BVMF/S1YF34 (BVMF/S1YF34)

Brazil Stock Exchange: BVMF/S1YF34 · BRL

R$61.0

-2.95 (-4.6%)· Recorded snapshot

Market cap	124.8B
Revenue (ttm)	50.7B
Net income (ttm)	16.8B
EPS (ttm)	R$7.76
P/E (trailing)	7.9x
P/E (forward)	7.8x
Dividend	R$0.73 (1.20%)
Volume	301
Beta	1.34

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 50.7B
Net income (ttm): 16.8B
EPS (ttm): R$7.76
P/E (trailing): 7.9x
P/E (forward): 7.8x
Market cap: 124.8B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E7.8

P25 n/aP50 n/aP75 n/a

Trailing P/E7.9

P25 n/aP50 n/aP75 n/a

ROE19.8

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/S1YF34 indicators

Market & fundamental data

Available fields

190

Groups with data

Currency

USD

Showing 190 of 190 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	BRL
Country	United States
Country code	BR
Earnings date	2026-10-20
Employees	20,000
Employees change	0
Employees growth	0%
Exchange	Brazil Stock Exchange
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1932
Industry	Credit Services
Is primary listing	No
ISIN number	BRS1YFBDR002
Last earnings date	2026-10-20
Last refreshed	2026-10-28
Last stock split date	2026-08-10
Last stock split type	Forward
Market cap	BRL 124.8B
Next earnings date	2027-01-22
Price	BRL 60.96
Price currency	BRL
Sector	Financials
SIC code	6141
Stock price date	2026-09-23
Symbol	bvmf/S1YF34
Website	https://www.synchrony.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	7.96x
Average P/E ratio (3Y)	7.17x
Average P/E ratio (5Y)	6.29x
Earnings yield	12.73%
Forward P/E	7.84x
Graham number	87.89011
Graham upside	44.18%
Lynch fair value	BRL 41.00
Lynch upside	-32.74%
P/B ratio	1.46x
P/E ratio	7.86x
P/OCF ratio	2.44x
P/S ratio	2.46x
Price / tangible book value	1.99x
Sector forward P/E	8.28x
Sector P/E	9.3x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	23.66%
Operating margin	47.99%
Pretax margin	44.63%
Profit margin	34.07%
Profit per employee	BRL 839,662
Profitable quarters	54
Profitable years	15
Revenue per employee	BRL 2.5M
ROA	2.78%
ROA (5Y)	3.07%
ROE	19.83%
ROE (5Y)	23.15%
Tax / revenue	10.56%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	4.84%
EPS growth (Q)	-6.29%
EPS growth (QoQ)	3.47%
EPS growth 10Y	13.62%
EPS growth 3Y	20.89%
EPS growth 5Y	6.18%
EPS growth years	2
Net income growth	-6.77%
Net income growth (Q)	-17.18%
Net income growth (QoQ)	0%
Net income growth 3Y	11.58%
Net income growth 5Y	-4.61%
Net income growth years	2
OCF growth	-2%
OCF growth (Q)	-5.27%
OCF growth (QoQ)	3.22%
OCF growth 10Y	3.65%
OCF growth 3Y	5.56%
OCF growth 5Y	5.88%
Revenue growth	1.43%
Revenue growth (Q)	-4.67%
Revenue growth (QoQ)	1.39%
Revenue growth 10Y	3.56%
Revenue growth 3Y	8.31%
Revenue growth 5Y	1.15%
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
EPS	BRL 7.76
Financing cash flow	BRL 8.8B
Gross profit	BRL 50.7B
Income taxes	BRL 5.4B
Investing cash flow	BRL -56.2B
Net borrowing	BRL 13.8B
Net cash flow	BRL 2.1B
Net income	BRL 16.8B
Operating income	BRL 24.3B
Revenue	BRL 50.7B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	BRL 247.08
Debt / equity	1.03
Goodwill	BRL 7.3B
Net cash (debt)	BRL -5.8B
Net cash / market cap	-4.66%
Net debt / equity	0.07
Piotroski F-Score	4
Property, plant and equipment	BRL 160.6M
Shareholders' equity	BRL 85.7B
Tangible book value	BRL 62.8B
Tangible book value per share	BRL 201.94
Total assets	BRL 634.4B
Total cash	BRL 82.4B
Total debt	BRL 88.2B
Total liabilities	BRL 548.6B
WACC	6.81%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	BRL -388B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	11.33%
Dividend growth	13.07%
Dividend growth (3Y)	10.21%
Dividend growth (5Y)	8.18%
Dividend growth years	4
Dividend payment date	2026-11-23
Dividend payment years	7
Dividend payout frequency	Quarterly
Dividend per share	BRL 0.73
Dividend yield	1.2%
Ex-dividend date	2026-11-04
Last dividend	BRL 0.04
Payout ratio	15.33%
Shareholder yield	12.53%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	BRL 60.55
1D price change	-4.62%
1M price change	-7.16%
1M total return	-7.16%
1W price change	-4.62%
1W total return	-4.62%
1Y price change	-9.56%
1Y return CAGR	-8.58%
1Y total return	-8.57%
20-day SMA	BRL 64.01
200-day SMA	BRL 52.55
3M price change	-4.69%
3M total return	-4.42%
3Y price change	121.67%
3Y return CAGR	32.39%
3Y total return	132.08%
50-day SMA	BRL 66.49
50-day SMA vs 200-day SMA	50over200
52-week high	BRL 79.04
52-week high date	2026-01-08
52-week low	BRL 57.04
52-week low date	2026-03-17
5Y price change	42.87%
5Y return CAGR	9.01%
5Y total return	53.93%
6M price change	5.16%
6M total return	5.73%
All-time high	BRL 79.04
All-time high date	2026-01-08
All-time low	BRL 10.76
All-time low date	2020-03-23
Average true range (ATR)	BRL 2.39
Average volume	353
Beta (5Y)	1.34
Change from 52-week high	-22.87%
Change from 52-week low	6.88%
Change from all-time high	-22.87%
Change from all-time low	466.38%
Change from open	-0.2%
Day's gap	-4.43%
Dollar volume	BRL 18,349
High price	BRL 61.08
Low price	BRL 60.96
Monthly RSI	52.41
Open price	BRL 61.08
Position in 52-week range	0%
Previous close	BRL 63.91
Price vs 150-day SMA	0.68%
Price vs 20-day SMA	-4.77%
Price vs 200-day SMA	16.01%
Price vs 50-day SMA	-8.31%
Relative volume	0.85
RSI	42.55
Sharpe ratio	1.49
Sortino ratio	2.44
Volume	301
Weekly RSI	50.5
YTD price change	-20.47%
YTD total return	-19.81%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	309.1M
Shares change (QoQ)	-3.5%
Shares change (YoY)	-11.33%
Shares held by insiders	0.46%
Shares held by institutions	112.43%
Short ratio	5.2 days

Deeper analysis on BVMF/S1YF34

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this BVMF/S1YF34 report

Is a complete BVMF/S1YF34 research report available?

No complete published report is available for bvmf/S1YF34 (BVMF/S1YF34) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/S1YF34 (BVMF/S1YF34)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/S1YF34

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/S1YF34 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BVMF/S1YF34

Frequently asked questions