SY Holdings Group Ltd (6069) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of SY Holdings Group Ltd HK$11.67, price HK$6.07, upside +92.3%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range HK$3.54 – HK$14.30 · fair‑value band HK$4.66 – HK$17.36 · the HK$6.07 price screens below the HK$11.67 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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SY Holdings Group Limited, an investment holding company, provides supply chain technology and digital financing solutions for companies in the People's Republic of China. The company provides platform-based services; digital financing solutions; supply chain technology services; and refinancing of supply chain asset.
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SY Holdings Group Limited, an investment holding company, provides supply chain technology and digital financing solutions for companies in the People's Republic of China. The company provides platform-based services; digital financing solutions; supply chain technology services; and refinancing of supply chain asset. It offers loan facilitation services through SY Cloud Platform, a data-driven supply chain technology platform which offers electronic signatures, optical character recognition, natural language processing, big data analytics, video verification, and facial recognition; and supply chain technology solutions. In addition, the company engages in the management, investment, lease and business, guarantee and IT services. The company was formerly known as Sheng Ye Capital Limited and changed its name to SY Holdings Group Limited in December 2021. SY Holdings Group Limited was founded in 2013 and is headquartered in Shenzhen, the People's Republic of China. SY Holdings Group Limited is a subsidiary of Wisdom Cosmos Limited.
Stock analysis
SY Holdings Group Ltd (6069) currently trades at HK$6.07, while our model-based Fair Value estimate is HK$11.67, implying the stock looks roughly 48.0% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of HK$43.79 per share, and 10 of the 12 models we run sit above the HK$6.07 price.
Bear case: the Asset-Based group reads lowest at HK$3.22, and 2 of the 12 models stay below the price. Evidence for this calculation is low.
Scenario range: HK$4.66 (bear) to HK$17.36 (bull), the price of HK$6.07 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
SY Holdings Group Ltd reported revenue of 951M CNY in FY2025 versus 480M CNY in FY2021, a compound +18.6%/yr. Reported net income was 467M CNY in FY2025, compounding +3.2%/yr from FY2021.
Key figures
Market cap HK$8.0B (≈ $1.0B) · P/E ratio 13.7 · P/S ratio 6.71 · EPS (TTM) HK$0.2000 · Dividend yield 6.7% · Net margin 49.0% · Return on equity 11.3% · Return on assets (EBIT) 5.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 50% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 92%, 6069 screens cheaper than that median.
Fair Value models
Bear HK$4.66Fair Value HK$11.67Bull HK$17.36
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+3.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.4%
Start year 2020 (pandemic). Over 10 years: +32.4% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+32.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
≈ +12.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+5.5%
Dividend (yield on the price)6.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.4.9% vs 23.2%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.75% → 73%
Start year 2020 (pandemic)
⚠ Rate on operating basis: 2025 sits 71% above its own trend.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−13.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in CNY, China: IMF forecast 1.7% a year to 2030, 1.4% from 2016 to 2025) that is about −15.4% a year for the price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 333 stocks
Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score61 · Above median
Fair Value upside+92.3% · Top 25%
Profitability
Return on equity (TTM)11.3% · Above median
Return on assets3.3% · Above median
Net margin (TTM)53.0% · Top 25%
Operating margin (TTM)57.4% · Top 25%
Growth and dividend
Revenue growth3.1% · Below median
Dividend yield (TTM)6.7% · Top 25%
Balance sheet
Debt / equity0.11× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "SY Holdings Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/6069
Frequently asked questions
Is SY Holdings Group Ltd (6069) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$11.67 versus a price of HK$6.07, about +92% upside (undervalued).
What is the fair value of 6069?
Our model-based fair value for SY Holdings Group Ltd is HK$11.67 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$6.07.
What is the quality score of 6069?
SY Holdings Group Ltd has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for SY Holdings Group Ltd (6069)?
Our model-based price target is the fair value of HK$11.67 (as of Sep 27, 2026) from 12 valuation models. Cautious scenario HK$4.66, optimistic scenario HK$17.36. It is a calculation from audited fundamentals, not an analyst target.
What is the SY Holdings Group Ltd stock forecast for 2026?
Our models put fair value at HK$11.67, about +92% upside versus a price of HK$6.07 (undervalued). Cautious scenario HK$4.66, optimistic scenario HK$17.36. The calculation is refreshed regularly with new filings.
What is the revenue of SY Holdings Group Ltd (6069)?
SY Holdings Group Ltd reported trailing-twelve-month revenue of about 904M CNY (latest available figure, as of Sep 27, 2026).
Does SY Holdings Group Ltd pay a dividend?
SY Holdings Group Ltd currently shows a dividend yield of about 6.67% relative to its recent price (as of Sep 27, 2026).
What growth is priced into SY Holdings Group Ltd (6069)?
For today's price to be fair in a discounted-cash-flow model, SY Holdings Group Ltd would have to grow free cash flow by -13.9 % per year for five years (discount rate 10.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +8.5 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of 6069 use?
Our models discount SY Holdings Group Ltd at 10.3 %: a base by market capitalisation (small), damped by beta 0.28, country premium for Hong Kong. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For SY Holdings Group Ltd that is -13.9 % per year a year over ten years, using the same discount rate (10.3 %) and the same formula as our fair value.
How much growth has SY Holdings Group Ltd (6069) delivered so far?
Over the past 5 years revenue at SY Holdings Group Ltd grew +8.5 % a year. The price currently implies -13.9 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of SY Holdings Group Ltd (6069) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into SY Holdings Group Ltd (-13.9 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of SY Holdings Group Ltd (6069)?
The free-cash-flow yield on the price is 31.00 %: that much free cash flow SY Holdings Group Ltd produces per unit of market value. When it exceeds the discount rate of our models (10.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of SY Holdings Group Ltd (6069)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SY Holdings Group Ltd it is HK$11.67 per share (as of Sep 27, 2026), against a price of HK$6.07. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is SY Holdings Group Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 6069 trades below its calculated fair value: price HK$6.07, fair value HK$11.67, a gap of about +92% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 6069?
No. The price is what the market pays today (HK$6.07); the fair value is what the company's own numbers justify (HK$11.67). For SY Holdings Group Ltd the two are HK$5.60 per share apart. That gap is exactly why we show both numbers side by side.
How much is SY Holdings Group Ltd worth?
The market values SY Holdings Group Ltd at about HK$8.0B (market capitalisation, as of Sep 27, 2026). Per share that is HK$6.07; our models calculate a fair value of HK$11.67 per share.
What do the bullish and bearish scenarios say about 6069?
Our models span a range for SY Holdings Group Ltd: cautious scenario HK$4.66, base HK$11.67, optimistic HK$17.36 per share (as of Sep 27, 2026, price HK$6.07). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 6069?
SY Holdings Group Ltd trades at a price-to-earnings ratio of 13.7 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$11.67 is built from several models across several years. Other multiples: P/B 1.6, P/S 7.6, EV/EBITDA 8.4.
How solid is the balance sheet of SY Holdings Group Ltd (6069)?
Balance-sheet figures for SY Holdings Group Ltd (as of Sep 27, 2026): return on equity 11.3%, debt of 0.11 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is 6069 from its 52-week high?
SY Holdings Group Ltd trades at HK$6.07, about 50% below its 52-week high of HK$12.12 and 4% above the low of HK$5.84 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$11.67 is for.
Which stocks are comparable to SY Holdings Group Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is SY Holdings Group Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price HK$6.07, calculated fair value HK$11.67 (+92%), Quality Score 60/100, from 12 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 6069 calculated?
We run SY Holdings Group Ltd through 12 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of HK$11.67, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.7 % above its aggregate fair value. SY Holdings Group Ltd currently trades 48 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of SY Holdings Group Ltd (6069)?
The closing price on Sep 30, 2026 was HK$6.07. Our model-based fair value is HK$11.67, about +92% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SY Holdings Group Ltd right now?
The model range is unusually wide (HK$4.66 to HK$17.36). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of SY Holdings Group Ltd (6069) come from?
Earnings per share at SY Holdings Group Ltd grew +24.7 % a year from 2015 to 2025. Broken into its drivers: revenue per share +28.3 %, EBIT margin −3.1 %, tax rate +0.6 %, residual (interest, one-offs) −0.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of SY Holdings Group Ltd
How large is the market capitalisation of SY Holdings Group Ltd (6069)?
The market capitalisation of SY Holdings Group Ltd is HK$8.0B (≈ $1.0B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of SY Holdings Group Ltd (6069)?
The price-to-sales ratio of SY Holdings Group Ltd is 6.71 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of SY Holdings Group Ltd (6069)?
Earnings per share at SY Holdings Group Ltd are HK$0.2000 (price ÷ EPS = P/E 13.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SY Holdings Group Ltd (6069)?
The dividend yield of SY Holdings Group Ltd is 6.7%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of SY Holdings Group Ltd (6069)?
The net margin of SY Holdings Group Ltd is 49.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of SY Holdings Group Ltd (6069)?
The return on equity (ROE) of SY Holdings Group Ltd is 11.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of SY Holdings Group Ltd (6069)?
On an EBIT basis the return on assets of SY Holdings Group Ltd is 5.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of SY Holdings Group Ltd (6069)?
The operating margin of SY Holdings Group Ltd is 57.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SY Holdings Group Ltd (6069)?
Revenue at SY Holdings Group Ltd is growing +3.1% versus a year earlier (3y avg +5.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at SY Holdings Group Ltd (6069)?
Earnings per share at SY Holdings Group Ltd are growing +18.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does SY Holdings Group Ltd (6069) carry?
The net debt of SY Holdings Group Ltd is 2.8B CNY (fiscal year 2025, ≈ 1.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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