SOFINA (SOF.BR) Stock Fundamental Analysis
Europe - Euronext Brussels - EBR:SOF - BE0003717312 - Common Stock
254.2 EUR
+7 (+2.83%)
Taking everything into account, SOF scores 4 out of 10 in our fundamental rating. SOF was compared to 58 industry peers in the Financial Services industry. While SOF has a great health rating, its profitability is only average at the moment. 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.
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 better Return On Assets (3.94%) than 70.69% of its industry peers.
SOF's Return On Equity of 4.23% is in line compared to the rest of the industry. SOF outperforms 55.17% of its industry peers.
With a Return On Invested Capital value of 2.85%, SOF perfoms like the industry average, outperforming 51.72% 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
SOF's Profit Margin of 89.63% is amongst the best of 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.
The Operating Margin of SOF (86.24%) is better than 98.28% of its industry peers.
SOF's Operating Margin has been stable in the last couple of years.
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
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 9.05 indicates that SOF is not in any danger for bankruptcy at the moment.
The Altman-Z score of SOF (9.05) is better than 91.38% 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.
Looking at the Debt to FCF ratio, with a value of 11.13, SOF is in line with its industry, outperforming 44.83% 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 79.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 11.13 | ||
| Altman-Z | 9.05 |
ROIC/WACC0.39
WACC7.35%
2.3 Liquidity
SOF has a Current Ratio of 30.77. This indicates that SOF is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of SOF (30.77) is better than 98.28% of its industry peers.
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 98.28% 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.
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
With a Price/Earnings ratio of 22.22, SOF is valued on the expensive side.
The rest of the industry has a similar Price/Earnings ratio as SOF.
Compared to an average S&P500 Price/Earnings ratio of 26.87, SOF is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.22 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SOF is valued a bit more expensive than 70.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 147.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)8.34
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.99%, SOF is not a good candidate for dividend investing.
SOF's Dividend Yield is comparable with the industry average which is at 2.04.
Compared to an average S&P500 Dividend Yield of 1.94, SOF's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.99% |
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
27.93% of the earnings are spent on dividend by SOF. This is a low number and sustainable payout ratio.
The dividend of SOF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP27.93%
EPS Next 2YN/A
EPS Next 3YN/A
EBR:SOF (1/5/2026, 7:00:00 PM)
254.2
+7 (+2.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners8.19%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap9.33B
Revenue(TTM)462.63M
Net Income(TTM)414.63M
Analysts85
Price Target313.37 (23.28%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.99% |
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)0%
PT rev (3m)-1.72%
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 | 22.22 | ||
| Fwd PE | N/A | ||
| P/S | 20.17 | ||
| P/FCF | 147.73 | ||
| P/OCF | 147.63 | ||
| P/B | 0.95 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.44
EY4.5%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.72
FCFY0.68%
OCF(TTM)1.72
OCFY0.68%
SpS12.61
BVpS267.32
TBVpS267.32
PEG (NY)N/A
PEG (5Y)8.34
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 | 9.05 |
F-Score6
WACC7.35%
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 for SOF stock?
ChartMill assigns a valuation rating of 1 / 10 to SOFINA (SOF.BR). This can be considered as Overvalued.
Can you provide the profitability details for SOFINA?
SOFINA (SOF.BR) has a profitability rating of 5 / 10.
Is the dividend of SOFINA sustainable?
The dividend rating of SOFINA (SOF.BR) is 3 / 10 and the dividend payout ratio is 27.93%.