SOFINA (SOF.BR) Stock Fundamental Analysis
Europe - EBR:SOF - BE0003717312 - Common Stock
245.6 EUR
+1.2 (+0.49%)
We assign a fundamental rating of 4 out of 10 to SOF. SOF was compared to 50 industry peers in the Financial Services industry. SOF is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. SOF does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
SOF had positive earnings in the past year.
In the past year SOF had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: SOF reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: SOF reported negative operating cash flow in multiple years.
1.2 Ratios
With a decent Return On Assets value of 3.94%, SOF is doing good in the industry, outperforming 72.00% of the companies in the same industry.
With a Return On Equity value of 4.23%, SOF perfoms like the industry average, outperforming 58.00% of the companies in the same industry.
SOF has a Return On Invested Capital (2.85%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.94% | ||
| ROE | 4.23% | ||
| ROIC | 2.85% |
ROA(3y)-2.41%
ROA(5y)5.88%
ROE(3y)-2.68%
ROE(5y)6.06%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 89.63%, SOF belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
SOF's Profit Margin has been stable in the last couple of years.
SOF's Operating Margin of 86.24% is amongst the best of the industry. SOF outperforms 98.00% of its industry peers.
In the last couple of years the Operating Margin of SOF has remained more or less at the same level.
The Gross Margin of SOF (98.12%) is better than 100.00% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 86.24% | ||
| PM (TTM) | 89.63% | ||
| GM | 98.12% |
OM growth 3Y-0.87%
OM growth 5Y-0.44%
PM growth 3Y-0.64%
PM growth 5Y-0.27%
GM growth 3Y-0.14%
GM growth 5Y-0.12%
2. Health
2.1 Basic Checks
SOF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, SOF has less shares outstanding
SOF has less shares outstanding than it did 5 years ago.
The debt/assets ratio for SOF has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 8.97 indicates that SOF is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 8.97, SOF belongs to the top of the industry, outperforming 94.00% of the companies in the same industry.
The Debt to FCF ratio of SOF is 11.13, which is on the high side as it means it would take SOF, 11.13 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 11.13, SOF is in line with its industry, outperforming 48.00% of the companies in the same industry.
SOF has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
SOF's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. SOF outperforms 78.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 11.13 | ||
| Altman-Z | 8.97 |
ROIC/WACC0.39
WACC7.39%
2.3 Liquidity
A Current Ratio of 30.77 indicates that SOF has no problem at all paying its short term obligations.
The Current ratio of SOF (30.77) is better than 98.00% of its industry peers.
A Quick Ratio of 30.77 indicates that SOF has no problem at all paying its short term obligations.
SOF's Quick ratio of 30.77 is amongst the best of the industry. SOF outperforms 98.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 30.77 | ||
| Quick Ratio | 30.77 |
3. Growth
3.1 Past
SOF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.61%.
The Earnings Per Share has been growing slightly by 2.67% on average over the past years.
Looking at the last year, SOF shows a decrease in Revenue. The Revenue has decreased by -1.29% in the last year.
Measured over the past years, SOF shows a small growth in Revenue. The Revenue has been growing by 2.80% on average per year.
EPS 1Y (TTM)-12.61%
EPS 3Y-19.17%
EPS 5Y2.67%
EPS Q2Q%-171.4%
Revenue 1Y (TTM)-1.29%
Revenue growth 3Y-18.85%
Revenue growth 5Y2.8%
Sales Q2Q%-164.86%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 21.47 indicates a rather expensive valuation of SOF.
Compared to the rest of the industry, the Price/Earnings ratio of SOF is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.91, SOF is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.47 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SOF indicates a slightly more expensive valuation: SOF is more expensive than 70.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 142.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)8.05
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.00%, SOF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.62, SOF pays a bit more dividend than its industry peers.
With a Dividend Yield of 1.00, SOF pays less dividend than the S&P500 average, which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1% |
5.2 History
The dividend of SOF has a limited annual growth rate of 3.76%.
Dividend Growth(5Y)3.76%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
SOF pays out 27.93% of its income as dividend. This is a sustainable payout ratio.
SOF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP27.93%
EPS Next 2YN/A
EPS Next 3YN/A
EBR:SOF (10/24/2025, 7:00:00 PM)
245.6
+1.2 (+0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners8.14%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap9.01B
Revenue(TTM)462.63M
Net Income(TTM)414.63M
Analysts82.86
Price Target318.85 (29.82%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1% |
Yearly Dividend3.36
Dividend Growth(5Y)3.76%
DP27.93%
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)1.33%
PT rev (3m)5.52%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.47 | ||
| Fwd PE | N/A | ||
| P/S | 19.48 | ||
| P/FCF | 142.73 | ||
| P/OCF | 142.63 | ||
| P/B | 0.92 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.44
EY4.66%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.72
FCFY0.7%
OCF(TTM)1.72
OCFY0.7%
SpS12.61
BVpS267.32
TBVpS267.32
PEG (NY)N/A
PEG (5Y)8.05
Graham Number262.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.94% | ||
| ROE | 4.23% | ||
| ROCE | 3.8% | ||
| ROIC | 2.85% | ||
| ROICexc | 3% | ||
| ROICexgc | 3% | ||
| OM | 86.24% | ||
| PM (TTM) | 89.63% | ||
| GM | 98.12% | ||
| FCFM | 13.65% |
ROA(3y)-2.41%
ROA(5y)5.88%
ROE(3y)-2.68%
ROE(5y)6.06%
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 3Y-16.87%
ROICexgc growth 5Y-4.21%
ROICexc growth 3Y-16.87%
ROICexc growth 5Y-4.21%
OM growth 3Y-0.87%
OM growth 5Y-0.44%
PM growth 3Y-0.64%
PM growth 5Y-0.27%
GM growth 3Y-0.14%
GM growth 5Y-0.12%
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 11.13 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.01% | ||
| Interest Coverage | 56.99 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 15.23% | ||
| Current Ratio | 30.77 | ||
| Quick Ratio | 30.77 | ||
| Altman-Z | 8.97 |
F-Score6
WACC7.39%
ROIC/WACC0.39
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)-12.61%
EPS 3Y-19.17%
EPS 5Y2.67%
EPS Q2Q%-171.4%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.29%
Revenue growth 3Y-18.85%
Revenue growth 5Y2.8%
Sales Q2Q%-164.86%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-3.59%
EBIT growth 3Y-19.56%
EBIT growth 5Y2.35%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y261.46%
FCF growth 3YN/A
FCF growth 5Y8.88%
OCF growth 1Y262.15%
OCF growth 3YN/A
OCF growth 5Y8.59%
SOFINA / SOF.BR FAQ
Can you provide the ChartMill fundamental rating for SOFINA?
ChartMill assigns a fundamental rating of 4 / 10 to SOF.BR.
What is the valuation status of SOFINA (SOF.BR) stock?
ChartMill assigns a valuation rating of 1 / 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 5 / 10.
Can you provide the PE and PB ratios for SOF stock?
The Price/Earnings (PE) ratio for SOFINA (SOF.BR) is 21.47 and the Price/Book (PB) ratio is 0.92.
Is the dividend of SOFINA sustainable?
The dividend rating of SOFINA (SOF.BR) is 4 / 10 and the dividend payout ratio is 27.93%.