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SOFINA (SOF.BR) Stock Fundamental Analysis

EBR:SOF - Euronext Brussels - BE0003717312 - Common Stock - Currency: EUR

270  -1.6 (-0.59%)

Fundamental Rating

5

SOF gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 50 industry peers in the Financial Services industry. While SOF has a great health rating, its profitability is only average at the moment. SOF does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

SOF had positive earnings in the past year.
In the past year SOF had a positive cash flow from operations.
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.
SOF.BR Yearly Net Income VS EBIT VS OCF VS FCFSOF.BR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B

1.2 Ratios

With an excellent Return On Assets value of 12.18%, SOF belongs to the best of the industry, outperforming 86.00% of the companies in the same industry.
SOF has a Return On Equity of 13.19%. This is in the better half of the industry: SOF outperforms 62.00% of its industry peers.
With a decent Return On Invested Capital value of 9.17%, SOF is doing good in the industry, outperforming 66.00% of the companies in the same industry.
Industry RankSector 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
SOF.BR Yearly ROA, ROE, ROICSOF.BR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20

1.3 Margins

The Profit Margin of SOF (96.34%) is better than 100.00% of its industry peers.
SOF's Profit Margin has been stable in the last couple of years.
The Operating Margin of SOF (95.28%) is better than 96.00% of its industry peers.
In the last couple of years the Operating Margin of SOF has remained more or less at the same level.
The Gross Margin of SOF (99.38%) is better than 96.00% of its industry peers.
SOF's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
SOF.BR Yearly Profit, Operating, Gross MarginsSOF.BR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100 200 300 400

8

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.
The number of shares outstanding for SOF has been reduced compared to 1 year ago.
The number of shares outstanding for SOF has been reduced compared to 5 years ago.
SOF has a better debt/assets ratio than last year.
SOF.BR Yearly Shares OutstandingSOF.BR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
SOF.BR Yearly Total Debt VS Total AssetsSOF.BR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

An Altman-Z score of 8.47 indicates that SOF is not in any danger for bankruptcy at the moment.
SOF has a better Altman-Z score (8.47) than 88.00% of its industry peers.
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 48.00% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that SOF is not too dependend on debt financing.
SOF's Debt to Equity ratio of 0.07 is amongst the best of the industry. SOF outperforms 82.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 7.03
Altman-Z 8.47
ROIC/WACC1.27
WACC7.24%
SOF.BR Yearly LT Debt VS Equity VS FCFSOF.BR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

2.3 Liquidity

A Current Ratio of 8.39 indicates that SOF has no problem at all paying its short term obligations.
SOF's Current ratio of 8.39 is amongst the best of the industry. SOF outperforms 90.00% of its industry peers.
A Quick Ratio of 8.39 indicates that SOF has no problem at all paying its short term obligations.
SOF's Quick ratio of 8.39 is amongst the best of the industry. SOF outperforms 90.00% of its industry peers.
Industry RankSector Rank
Current Ratio 8.39
Quick Ratio 8.39
SOF.BR Yearly Current Assets VS Current LiabilitesSOF.BR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

3

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.
SOF.BR Yearly Revenue VS EstimatesSOF.BR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B
SOF.BR Yearly EPS VS EstimatesSOF.BR Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 10 20 30

3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.76, the valuation of SOF can be described as very cheap.
SOF's Price/Earnings ratio is rather cheap when compared to the industry. SOF is cheaper than 82.00% of the companies in the same industry.
SOF is valuated cheaply when we compare the Price/Earnings ratio to 28.04, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.76
Fwd PE N/A
SOF.BR Price Earnings VS Forward Price EarningsSOF.BR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

SOF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SOF is more expensive than 70.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 92.93
EV/EBITDA N/A
SOF.BR Per share dataSOF.BR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

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)2.54
EPS Next 2YN/A
EPS Next 3YN/A

3

5. Dividend

5.1 Amount

With a yearly dividend of 0.89%, SOF is not a good candidate for dividend investing.
SOF's Dividend Yield is comparable with the industry average which is at 3.60.
Compared to an average S&P500 Dividend Yield of 2.31, SOF's dividend is way lower than the S&P500 average.
Industry RankSector 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
SOF.BR Yearly Dividends per shareSOF.BR Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

SOF pays out 8.18% 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.
DP8.18%
EPS Next 2YN/A
EPS Next 3YN/A
SOF.BR Yearly Income VS Free CF VS DividendSOF.BR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B
SOF.BR Dividend Payout.SOF.BR Dividend Payout, showing the Payout Ratio.SOF.BR Dividend Payout.PayoutRetained Earnings

SOFINA

EBR:SOF (7/25/2025, 7:00:00 PM)

270

-1.6 (-0.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-26 2025-03-26
Earnings (Next)09-05 2025-09-05
Inst Owners6.98%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap9.25B
Analysts85
Price Target302.18 (11.92%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)-0.17%
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 RankSector Rank
PE 6.76
Fwd PE N/A
P/S 6.55
P/FCF 92.93
P/OCF 92.78
P/B 0.9
P/tB 0.9
EV/EBITDA N/A
EPS(TTM)39.94
EY14.79%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.91
FCFY1.08%
OCF(TTM)2.91
OCFY1.08%
SpS41.2
BVpS300.88
TBVpS300.88
PEG (NY)N/A
PEG (5Y)2.54
Profitability
Industry RankSector 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 RankSector 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 8.47
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%