Synchrony Financial
1.46xPrice / book
Market cap
$24.55B
Tangible equity (USD)
—
Price / tangible book
—
Price / book
1.46x
Net income / ending equity
21.2%
Net income / ending assets
3.0%
Efficiency ratio
—
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot: SYF stock price at discount vs WFC $75.44 current versus $132.60 implied using P/E multiple.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at WFC's multiple
Implied fair value · at SYF's multiple
Snapshot Sep 10, 2026, 4:00 PM ET
Metric by metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Multiple discount
Lower is better
Profitability edge
Asset efficiency edge
Lower is better
Statements
Reported bank earnings and balances, with each company’s reporting period shown.
Values retain reported currencies and share bases. Select a figure to inspect its period, calculation and filing inputs. Differences require compatible units and periods.
Explore enterprise value and market valuation multiples in the valuation sections.
Trendline
Ten period-end years of reported revenue, earnings, and margins. Periods and currencies are shown with the data.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / book
Market cap
$24.55B
Tangible equity (USD)
—
Price / tangible book
—
Price / book
1.46x
Net income / ending equity
21.2%
Net income / ending assets
3.0%
Efficiency ratio
—
Price / book
Market cap
$270.50B
Tangible equity (USD)
—
Price / tangible book
—
Price / book
1.49x
Net income / ending equity
11.8%
Net income / ending assets
1.0%
Efficiency ratio
—
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
Synchrony Financial · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
WELLS FARGO & COMPANY/MN · implied price per share
Five annual free-cash-flow observations are required for the filing-backed baseline.
Balance sheet health
Inspect reported liquidity and leverage alongside historical financial-health checks.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Cash excludes investments. EBITDA is an operating-income-plus-D&A proxy. Missing borrowing categories remain unavailable; select a value to inspect its inputs.
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
This explanation uses an earlier data snapshot or evidence version. Review its generation date and the current figures, or refresh after signing in.
If you believe SYF can sustain its earnings power despite the -65.8% revenue growth print and the unusual margin profile, then the stock looks attractive on a P/E basis versus WFC because it trades at 8.4x versus 14.0x and WFC-implied upside is large.
On a P/E basis, SYF trades at 8.4x versus WFC at 14.0x, suggesting a meaningful relative discount if the earnings base is durable. The provided implied price of $130.29 versus the current $77.84 points to 67.4% upside, but that is moderated by a DCF range of only $9.93 to $13.44 and a historical band of $70.06 to $85.62.
Supporting Metrics