SOFINA (SOF.BR) Stock Fundamental Analysis
EBR:SOF - Euronext Brussels - BE0003717312 - Common Stock - Currency: EUR
We assign a fundamental rating of 5 out of 10 to SOF. SOF was compared to 47 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.
SOF had a positive operating cash flow in the past year.
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
SOF has a Return On Assets of 12.18%. This is amongst the best in the industry. SOF outperforms 89.36% of its industry peers.
Looking at the Return On Equity, with a value of 13.19%, SOF is in the better half of the industry, outperforming 61.70% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 9.17%, SOF is in the better half of the industry, outperforming 72.34% of the companies in the same industry.
| 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 better Profit Margin (96.34%) than 100.00% of its industry peers.
SOF's Profit Margin has been stable in the last couple of years.
SOF's Operating Margin of 95.28% is amongst the best of the industry. SOF outperforms 100.00% of its industry peers.
In the last couple of years the Operating Margin of SOF has remained more or less at the same level.
SOF's Gross Margin of 99.38% is amongst the best of the industry. SOF outperforms 100.00% of its industry peers.
SOF's Gross Margin has been stable in the last couple of years.
| 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
SOF has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, SOF has less shares outstanding
Compared to 5 years ago, SOF has less shares outstanding
Compared to 1 year ago, SOF has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 7.89 indicates that SOF is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 7.89, SOF belongs to the best of the industry, outperforming 87.23% 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.
SOF has a Debt to FCF ratio (7.03) which 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.
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 | 7.89 |
ROIC/WACC1.24
WACC7.41%
2.3 Liquidity
A Current Ratio of 8.39 indicates that SOF has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 8.39, SOF belongs to the top of the industry, outperforming 89.36% of the companies in the same industry.
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 Quick ratio of 8.39. This is amongst the best in the industry. SOF outperforms 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.
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 strong growth in Revenue. In the last year, the Revenue has grown by 1841.61%.
SOF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.80% yearly.
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
With a Price/Earnings ratio of 6.27, the valuation of SOF can be described as very cheap.
80.85% of the companies in the same industry are more expensive than SOF, based on the Price/Earnings ratio.
SOF is valuated cheaply when we compare the Price/Earnings ratio to 28.18, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.27 | ||
| Fwd PE | N/A |
4.2 Price Multiples
63.83% 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 | 86.22 | ||
| 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)2.35
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.95%, SOF is not a good candidate for dividend investing.
SOF's Dividend Yield is comparable with the industry average which is at 4.05.
With a Dividend Yield of 0.95, SOF pays less dividend than the S&P500 average, which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
5.2 History
The dividend of SOF has a limited annual growth rate of 3.76%.
Dividend Growth(5Y)3.76%
Div Incr Years5
Div Non Decr Years5
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 (5/5/2025, 2:47:18 PM)
250.5
+2.9 (+1.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners7.89%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap8.58B
Analysts85
Price Target304.73 (21.65%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
Yearly Dividend3.36
Dividend Growth(5Y)3.76%
DP8.18%
Div Incr Years5
Div Non Decr Years5
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)0.67%
PT rev (3m)2.4%
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 | 6.27 | ||
| Fwd PE | N/A | ||
| P/S | 6.08 | ||
| P/FCF | 86.22 | ||
| P/OCF | 86.08 | ||
| P/B | 0.83 | ||
| P/tB | 0.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)39.94
EY15.94%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.91
FCFY1.16%
OCF(TTM)2.91
OCFY1.16%
SpS41.2
BVpS300.88
TBVpS300.88
PEG (NY)N/A
PEG (5Y)2.35
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 | 7.89 |
F-Score6
WACC7.41%
ROIC/WACC1.24
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%