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
SOF had positive earnings in the past year.
SOF had a positive 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.
1.2 Ratios
Looking at the Return On Assets, with a value of 12.18%, SOF belongs to the top of the industry, outperforming 89.36% of the companies in the same industry.
With a decent Return On Equity value of 13.19%, SOF is doing good in the industry, outperforming 63.83% of the companies in the same industry.
SOF has a Return On Invested Capital of 9.17%. This is in the better half of the industry: SOF outperforms 65.96% 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.
In the last couple of years the Profit Margin of SOF has remained more or less at the same level.
With an excellent Operating Margin value of 95.28%, 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 Operating Margin of SOF has remained more or less at the same level.
The Gross Margin of SOF (99.38%) is better than 95.74% 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 | 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
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 8.42. 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 8.42, SOF belongs to the top of the industry, outperforming 91.49% of the companies in the same industry.
SOF has a debt to FCF ratio of 7.03. This is a slightly negative value and a sign of low solvency as SOF would need 7.03 years to pay back of all of its debts.
SOF has a Debt to FCF ratio of 7.03. This is comparable to the rest of the industry: SOF outperforms 48.94% of its industry peers.
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 | 8.42 |
ROIC/WACC1.27
WACC7.24%
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 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.
Measured over the past 5 years, SOF shows a small growth in Earnings Per Share. The EPS has been growing by 2.67% on average per year.
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
Based on the Price/Earnings ratio of 6.65, the valuation of SOF can be described as very cheap.
Based on the Price/Earnings ratio, SOF is valued cheaply inside the industry as 80.85% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.25. SOF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.65 | ||
| Fwd PE | N/A |
4.2 Price Multiples
70.21% 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 | 91.42 | ||
| 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)2.49
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
SOF has a yearly dividend return of 0.89%, which is pretty low.
Compared to an average industry Dividend Yield of 3.69, SOF has a dividend in line with its industry peers.
With a Dividend Yield of 0.89, SOF pays less dividend than the S&P500 average, which is at 2.34.
| 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
SOF pays out 8.18% of its income as dividend. This is a sustainable payout ratio.
The dividend of SOF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP8.18%
EPS Next 2YN/A
EPS Next 3YN/A
EBR:SOF (8/1/2025, 5:29:59 PM)
265.6
-4 (-1.48%)
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 Cap9.10B
Analysts85
Price Target302.18 (13.77%)
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)-2.07%
PT rev (3m)-0.84%
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 | 6.65 | ||
| Fwd PE | N/A | ||
| P/S | 6.45 | ||
| P/FCF | 91.42 | ||
| P/OCF | 91.27 | ||
| P/B | 0.88 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)39.94
EY15.04%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.91
FCFY1.09%
OCF(TTM)2.91
OCFY1.1%
SpS41.2
BVpS300.88
TBVpS300.88
PEG (NY)N/A
PEG (5Y)2.49
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 | 8.42 |
F-Score6
WACC7.24%
ROIC/WACC1.27
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%