SOFINA (SOF.BR) Stock Fundamental Analysis
EBR:SOF - Euronext Brussels - BE0003717312 - Common Stock - Currency: EUR
Overall SOF gets a fundamental rating of 5 out of 10. We evaluated SOF against 47 industry peers in the Financial Services industry. SOF has an excellent financial health rating, but there are some minor concerns on its profitability. SOF is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year SOF was profitable.
SOF had a positive operating cash flow in the past year.
In multiple years SOF reported negative net income over the last 5 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 an excellent Return On Assets value of 12.18%, SOF belongs to the best of the industry, outperforming 89.36% of the companies in the same industry.
SOF's Return On Equity of 13.19% is fine compared to the rest of the industry. SOF outperforms 65.96% of its industry peers.
SOF has a better Return On Invested Capital (9.17%) than 68.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 12.18% | ||
| ROE | 13.19% | ||
| ROIC | 9.17% |
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
SOF has a Profit Margin of 96.34%. This is amongst the best in the industry. SOF outperforms 100.00% of its industry peers.
SOF's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 95.28%, SOF belongs to the top of the industry, outperforming 95.74% of the companies in the same industry.
SOF's Operating Margin has been stable in the last couple of years.
With an excellent Gross Margin value of 99.38%, SOF belongs to the best of the industry, outperforming 95.74% of the companies in the same industry.
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 | 95.28% | ||
| PM (TTM) | 96.34% | ||
| GM | 99.38% |
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so SOF is still creating some value.
Compared to 1 year ago, SOF has less shares outstanding
Compared to 5 years ago, SOF has less shares outstanding
SOF has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 8.32 indicates that SOF is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 8.32, SOF belongs to the best of the industry, outperforming 91.49% of the companies in the same industry.
The Debt to FCF ratio of SOF is 7.03, which is on the high side as it means it would take SOF, 7.03 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 7.03, SOF is in line with its industry, outperforming 51.06% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that SOF is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.07, SOF belongs to the top of the industry, outperforming 80.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 7.03 | ||
| Altman-Z | 8.32 |
ROIC/WACC1.25
WACC7.31%
2.3 Liquidity
A Current Ratio of 8.39 indicates that SOF has no problem at all paying its short term obligations.
SOF has a better Current ratio (8.39) than 89.36% of its industry peers.
SOF has a Quick Ratio of 8.39. This indicates that SOF is financially healthy and has no problem in meeting its short term obligations.
SOF has a better Quick ratio (8.39) than 89.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.39 | ||
| Quick Ratio | 8.39 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 1380.07% over the past year.
The Earnings Per Share has been growing slightly by 2.67% on average over the past years.
The Revenue has grown by 1841.61% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 2.80% on average over the past years.
EPS 1Y (TTM)1380.07%
EPS 3Y-19.17%
EPS 5Y2.67%
EPS Q2Q%758.49%
Revenue 1Y (TTM)1841.61%
Revenue growth 3Y-18.85%
Revenue growth 5Y2.8%
Sales Q2Q%883.43%
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 6.61 indicates a rather cheap valuation of SOF.
SOF's Price/Earnings ratio is rather cheap when compared to the industry. SOF is cheaper than 80.85% of the companies in the same industry.
When comparing the Price/Earnings ratio of SOF to the average of the S&P500 Index (27.28), we can say SOF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.61 | ||
| Fwd PE | N/A |
4.2 Price Multiples
68.09% of the companies in the same industry are cheaper than SOF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 90.86 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SOF has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)2.48
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.89%, SOF is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.85, SOF has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.42, SOF's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
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
8.18% of the earnings are spent on dividend by SOF. This is a low number and sustainable payout ratio.
SOF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP8.18%
EPS Next 2YN/A
EPS Next 3YN/A
EBR:SOF (7/3/2025, 9:31:27 AM)
264
-1.4 (-0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners6.98%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap9.04B
Analysts85
Price Target308.55 (16.88%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
Yearly Dividend3.36
Dividend Growth(5Y)3.76%
DP8.18%
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)0%
PT rev (3m)1.94%
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 | 6.61 | ||
| Fwd PE | N/A | ||
| P/S | 6.41 | ||
| P/FCF | 90.86 | ||
| P/OCF | 90.72 | ||
| P/B | 0.88 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)39.94
EY15.13%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.91
FCFY1.1%
OCF(TTM)2.91
OCFY1.1%
SpS41.2
BVpS300.88
TBVpS300.88
PEG (NY)N/A
PEG (5Y)2.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 12.18% | ||
| ROE | 13.19% | ||
| ROCE | 12.22% | ||
| ROIC | 9.17% | ||
| ROICexc | 9.97% | ||
| ROICexgc | 9.97% | ||
| OM | 95.28% | ||
| PM (TTM) | 96.34% | ||
| GM | 99.38% | ||
| FCFM | 7.05% |
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
ROICexcg growth 3Y-16.87%
ROICexcg 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 Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 7.03 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.01% | ||
| Interest Coverage | 187.56 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 7.32% | ||
| Current Ratio | 8.39 | ||
| Quick Ratio | 8.39 | ||
| Altman-Z | 8.32 |
F-Score6
WACC7.31%
ROIC/WACC1.25
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)1380.07%
EPS 3Y-19.17%
EPS 5Y2.67%
EPS Q2Q%758.49%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1841.61%
Revenue growth 3Y-18.85%
Revenue growth 5Y2.8%
Sales Q2Q%883.43%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y1197.72%
EBIT growth 3Y-19.56%
EBIT growth 5Y2.35%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-36.43%
FCF growth 3YN/A
FCF growth 5Y8.88%
OCF growth 1Y-36.51%
OCF growth 3YN/A
OCF growth 5Y8.59%