SOFINA (SOF.BR) Fundamental Analysis & Valuation

EBR:SOF • BE0003717312

Current stock price

228 EUR
+1.6 (+0.71%)
Last:

This SOF.BR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. SOF.BR Profitability Analysis

1.1 Basic Checks

  • SOF had positive earnings in the past year.
  • SOF had a negative operating cash flow in the past year.
  • In multiple years SOF reported negative net income over the last 5 years.
  • In multiple years SOF reported negative operating cash flow during the last 5 years.
SOF.BR Yearly Net Income VS EBIT VS OCF VS FCFSOF.BR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

1.2 Ratios

  • SOF's Return On Assets of 0.93% is in line compared to the rest of the industry. SOF outperforms 49.12% of its industry peers.
  • SOF has a Return On Equity of 1.04%. This is comparable to the rest of the industry: SOF outperforms 42.11% of its industry peers.
  • With a Return On Invested Capital value of 0.60%, SOF is not doing good in the industry: 61.40% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.93%
ROE 1.04%
ROIC 0.6%
ROA(3y)4.02%
ROA(5y)3.03%
ROE(3y)4.36%
ROE(5y)3.17%
ROIC(3y)N/A
ROIC(5y)N/A
SOF.BR Yearly ROA, ROE, ROICSOF.BR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20

1.3 Margins

  • SOF's Profit Margin of 66.08% is amongst the best of the industry. SOF outperforms 98.25% of its industry peers.
  • In the last couple of years the Profit Margin of SOF has declined.
  • Looking at the Operating Margin, with a value of 56.97%, SOF belongs to the top of the industry, outperforming 87.72% of the companies in the same industry.
  • SOF's Operating Margin has declined in the last couple of years.
  • SOF has a better Gross Margin (93.54%) than 98.25% of its industry peers.
  • In the last couple of years the Gross Margin of SOF has remained more or less at the same level.
Industry RankSector Rank
OM 56.97%
PM (TTM) 66.08%
GM 93.54%
OM growth 3Y-17.77%
OM growth 5Y-10.21%
PM growth 3Y-13.71%
PM growth 5Y-7.52%
GM growth 3Y-2.35%
GM growth 5Y-1.33%
SOF.BR Yearly Profit, Operating, Gross MarginsSOF.BR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100 200 300

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6

2. SOF.BR Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SOF is destroying value.
  • Compared to 1 year ago, SOF has more shares outstanding
  • The number of shares outstanding for SOF has been increased compared to 5 years ago.
  • The debt/assets ratio for SOF is higher compared to a year ago.
SOF.BR Yearly Shares OutstandingSOF.BR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
SOF.BR Yearly Total Debt VS Total AssetsSOF.BR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • SOF has an Altman-Z score of 5.18. This indicates that SOF is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 5.18, SOF belongs to the top of the industry, outperforming 85.96% of the companies in the same industry.
  • A Debt/Equity ratio of 0.12 indicates that SOF is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.12, SOF is doing good in the industry, outperforming 77.19% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF N/A
Altman-Z 5.18
ROIC/WACC0.08
WACC7.15%
SOF.BR Yearly LT Debt VS Equity VS FCFSOF.BR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B 10B

2.3 Liquidity

  • SOF has a Current Ratio of 67.93. This indicates that SOF is financially healthy and has no problem in meeting its short term obligations.
  • SOF has a Current ratio of 67.93. This is amongst the best in the industry. SOF outperforms 100.00% of its industry peers.
  • SOF has a Quick Ratio of 67.93. This indicates that SOF is financially healthy and has no problem in meeting its short term obligations.
  • SOF has a better Quick ratio (67.93) than 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 67.93
Quick Ratio 67.93
SOF.BR Yearly Current Assets VS Current LiabilitesSOF.BR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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0

3. SOF.BR Growth Analysis

3.1 Past

  • The earnings per share for SOF have decreased strongly by -94.15% in the last year.
  • Measured over the past years, SOF shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -39.56% on average per year.
  • Looking at the last year, SOF shows a very negative growth in Revenue. The Revenue has decreased by -87.88% in the last year.
  • The Revenue for SOF have been decreasing by -34.44% on average. This is quite bad
EPS 1Y (TTM)-94.15%
EPS 3YN/A
EPS 5Y-39.56%
EPS Q2Q%-39.05%
Revenue 1Y (TTM)-87.88%
Revenue growth 3YN/A
Revenue growth 5Y-34.44%
Sales Q2Q%-34.89%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SOF.BR Yearly Revenue VS EstimatesSOF.BR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B
SOF.BR Yearly EPS VS EstimatesSOF.BR Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 10 20 30

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0

4. SOF.BR Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 98.28, which means the current valuation is very expensive for SOF.
  • 66.67% of the companies in the same industry are cheaper than SOF, based on the Price/Earnings ratio.
  • SOF's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.53.
Industry RankSector Rank
PE 98.28
Fwd PE N/A
SOF.BR Price Earnings VS Forward Price EarningsSOF.BR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SOF.BR Per share dataSOF.BR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 100 200

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. SOF.BR Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.09%, SOF has a reasonable but not impressive dividend return.
  • SOF's Dividend Yield is comparable with the industry average which is at 2.34.
  • Compared to the average S&P500 Dividend Yield of 1.82, SOF is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.09%

5.2 History

  • The dividend of SOF has a limited annual growth rate of 2.99%.
Dividend Growth(5Y)2.99%
Div Incr Years6
Div Non Decr Years6
SOF.BR Yearly Dividends per shareSOF.BR Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

  • SOF pays out 102.47% of its income as dividend. This is not a sustainable payout ratio.
  • SOF's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP102.47%
EPS Next 2YN/A
EPS Next 3YN/A
SOF.BR Yearly Income VS Free CF VS DividendSOF.BR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B
SOF.BR Dividend Payout.SOF.BR Dividend Payout, showing the Payout Ratio.SOF.BR Dividend Payout.PayoutRetained Earnings

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SOF.BR Fundamentals: All Metrics, Ratios and Statistics

SOFINA

EBR:SOF (4/16/2026, 7:00:00 PM)

228

+1.6 (+0.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-26
Earnings (Next)09-09
Inst Owners8.37%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap8.37B
Revenue(TTM)171.01M
Net Income(TTM)113.00M
Analysts85
Price Target306.78 (34.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.09%
Yearly Dividend3.37
Dividend Growth(5Y)2.99%
DP102.47%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-2.1%
PT rev (3m)-2.1%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 98.28
Fwd PE N/A
P/S 48.93
P/FCF N/A
P/OCF N/A
P/B 0.77
P/tB 0.77
EV/EBITDA N/A
EPS(TTM)2.32
EY1.02%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-20.19
FCFYN/A
OCF(TTM)-20.19
OCFYN/A
SpS4.66
BVpS295.45
TBVpS295.45
PEG (NY)N/A
PEG (5Y)N/A
Graham Number124.187 (-45.53%)
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 1.04%
ROCE 0.8%
ROIC 0.6%
ROICexc 0.69%
ROICexgc 0.69%
OM 56.97%
PM (TTM) 66.08%
GM 93.54%
FCFM N/A
ROA(3y)4.02%
ROA(5y)3.03%
ROE(3y)4.36%
ROE(5y)3.17%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-43.63%
ROICexc growth 3YN/A
ROICexc growth 5Y-43.63%
OM growth 3Y-17.77%
OM growth 5Y-10.21%
PM growth 3Y-13.71%
PM growth 5Y-7.52%
GM growth 3Y-2.35%
GM growth 5Y-1.33%
F-Score2
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.01%
Interest Coverage 13.92
Cash Conversion N/A
Profit Quality N/A
Current Ratio 67.93
Quick Ratio 67.93
Altman-Z 5.18
F-Score2
WACC7.15%
ROIC/WACC0.08
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.19%
Cap/Sales(5y)0.12%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-94.15%
EPS 3YN/A
EPS 5Y-39.56%
EPS Q2Q%-39.05%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-87.88%
Revenue growth 3YN/A
Revenue growth 5Y-34.44%
Sales Q2Q%-34.89%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-92.75%
EBIT growth 3YN/A
EBIT growth 5Y-41.14%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-844.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-843.38%
OCF growth 3YN/A
OCF growth 5YN/A

SOFINA / SOF.BR Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for SOFINA?

ChartMill assigns a fundamental rating of 3 / 10 to SOF.BR.


What is the valuation status for SOF stock?

ChartMill assigns a valuation rating of 0 / 10 to SOFINA (SOF.BR). This can be considered as Overvalued.


What is the profitability of SOF stock?

SOFINA (SOF.BR) has a profitability rating of 4 / 10.


What are the PE and PB ratios of SOFINA (SOF.BR) stock?

The Price/Earnings (PE) ratio for SOFINA (SOF.BR) is 98.28 and the Price/Book (PB) ratio is 0.77.


What is the financial health of SOFINA (SOF.BR) stock?

The financial health rating of SOFINA (SOF.BR) is 6 / 10.