Discounted Cash Flow
Synchrony Financial
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $14.8b | $2.3b | $6.8b | 15.2% | $2.71 |
| 2017 | $16.4b (11.0%) | $1.9b (-14.0%) | $8.9b (30.7%) | 11.8% (-22.6%) | $2.43 (-10.3%) |
| 2018 | $18.0b (9.6%) | $2.8b (44.2%) | $9.3b (4.8%) | 15.5% (31.5%) | $3.76 (54.7%) |
| 2019 | $19.1b (6.1%) | $3.7b (34.3%) | $9.0b (-3.8%) | 19.6% (26.5%) | $5.59 (48.7%) |
| 2020 | $16.1b (-15.8%) | $1.4b (-63.0%) | $7.5b (-16.7%) | 8.6% (-56.1%) | $2.28 (-59.2%) |
| 2021 | $15.3b (-5.0%) | $4.2b (204.8%) | $7.1b (-5.2%) | 27.6% (220.7%) | $7.40 (224.6%) |
| 2022 | $17.1b (12.3%) | $3.0b (-28.5%) | $6.7b (-5.7%) | 17.6% (-36.4%) | $6.19 (-16.4%) |
| 2023 | $20.7b (20.8%) | $2.2b (-25.8%) | $8.6b (28.4%) | 10.8% (-38.6%) | $5.21 (-15.8%) |
| 2024 | $22.6b (9.3%) | $3.5b (56.3%) | $9.8b (14.6%) | 15.5% (43.0%) | $8.64 (65.8%) |
| 2025 | $22.6b (-0.2%) | $3.6b (1.5%) | $9.9b (0.0%) | 15.7% (1.7%) | $9.38 (8.6%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.