SOFINA (SOF.BR) Stock Fundamental Analysis
Europe - Euronext Brussels - EBR:SOF - BE0003717312 - Common Stock
243.6 EUR
+0.6 (+0.25%)
We assign a fundamental rating of 4 out of 10 to SOF. SOF was compared to 53 industry peers in the Financial Services industry. SOF has an excellent financial health rating, but there are some minor concerns on its profitability. SOF has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year SOF was profitable.
In the past year SOF had a positive cash flow from operations.
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
Looking at the Return On Assets, with a value of 3.94%, SOF is in the better half of the industry, outperforming 75.47% of the companies in the same industry.
SOF has a better Return On Equity (4.23%) than 62.26% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.85%, SOF is in line with its industry, outperforming 58.49% of the companies in the same industry.
| 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
The Profit Margin of SOF (89.63%) is better than 100.00% of its industry peers.
SOF's Profit Margin has been stable in the last couple of years.
SOF has a better Operating Margin (86.24%) than 98.11% of its industry peers.
In the last couple of years the Operating Margin of SOF has remained more or less at the same level.
With an excellent Gross Margin value of 98.12%, SOF belongs to the best of the industry, outperforming 100.00% 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 | 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
SOF has an Altman-Z score of 8.93. This indicates that SOF is financially healthy and has little risk of bankruptcy at the moment.
SOF has a Altman-Z score of 8.93. This is amongst the best in the industry. SOF outperforms 94.34% of its industry peers.
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.
The Debt to FCF ratio of SOF (11.13) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.07 indicates that SOF is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.07, SOF is doing good in the industry, outperforming 79.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 11.13 | ||
| Altman-Z | 8.93 |
ROIC/WACC0.39
WACC7.32%
2.3 Liquidity
A Current Ratio of 30.77 indicates that SOF has no problem at all paying its short term obligations.
With an excellent Current ratio value of 30.77, SOF belongs to the best of the industry, outperforming 98.11% of the companies in the same industry.
SOF has a Quick Ratio of 30.77. This indicates that SOF is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of SOF (30.77) is better than 98.11% 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%.
SOF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.67% yearly.
SOF shows a decrease in Revenue. In the last year, the revenue decreased by -1.29%.
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
Based on the Price/Earnings ratio of 21.29, the valuation of SOF can be described as rather expensive.
SOF's Price/Earnings ratio is a bit cheaper when compared to the industry. SOF is cheaper than 62.26% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.98. SOF is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.29 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SOF is valued a bit more expensive than the industry average as 62.26% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 141.57 | ||
| 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)7.99
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.03%, SOF has a reasonable but not impressive dividend return.
SOF's Dividend Yield is a higher than the industry average which is at 3.54.
With a Dividend Yield of 1.03, SOF pays less dividend than the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.03% |
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 (11/26/2025, 9:53:59 AM)
243.6
+0.6 (+0.25%)
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 Cap8.94B
Revenue(TTM)462.63M
Net Income(TTM)414.63M
Analysts85
Price Target313.37 (28.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.03% |
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)-1.72%
PT rev (3m)0.98%
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 | 21.29 | ||
| Fwd PE | N/A | ||
| P/S | 19.32 | ||
| P/FCF | 141.57 | ||
| P/OCF | 141.47 | ||
| P/B | 0.91 | ||
| P/tB | 0.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.44
EY4.7%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.72
FCFY0.71%
OCF(TTM)1.72
OCFY0.71%
SpS12.61
BVpS267.32
TBVpS267.32
PEG (NY)N/A
PEG (5Y)7.99
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 | 8.93 |
F-Score6
WACC7.32%
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 6 / 10.
Can you provide the PE and PB ratios for SOF stock?
The Price/Earnings (PE) ratio for SOFINA (SOF.BR) is 21.29 and the Price/Book (PB) ratio is 0.91.
Is the dividend of SOFINA sustainable?
The dividend rating of SOFINA (SOF.BR) is 4 / 10 and the dividend payout ratio is 27.93%.