SOF Fundamental Analysis - SOFINA

Fundamental Rating

SOF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 58 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 is valued expensive and it does not seem to be growing.

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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 72.41% of the companies in the same industry.
SOF's Return On Equity of 4.23% is in line compared to the rest of the industry. SOF outperforms 58.62% of its industry peers.
SOF has a Return On Invested Capital (2.85%) which is in line with its industry peers.

		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

Looking at the Profit Margin, with a value of 89.63%, SOF belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Profit Margin of SOF has remained more or less at the same level.
SOF has a Operating Margin of 86.24%. This is amongst the best in the industry. SOF outperforms 98.28% 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 has a Gross Margin of 98.12%. This is amongst the best in the industry. SOF outperforms 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SOF is destroying 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

SOF has an Altman-Z score of 9.47. This indicates that SOF is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of SOF (9.47) is better than 93.10% of its industry peers.
SOF has a debt to FCF ratio of 11.13. This is a negative value and a sign of low solvency as SOF would need 11.13 years to pay back of all of its debts.
SOF has a Debt to FCF ratio (11.13) which is in line with its industry peers.
SOF has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.07, SOF is doing good in the industry, outperforming 79.31% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	11.13
Altman-Z	9.47

ROIC/WACC0.39

WACC7.36%

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.
SOF has a better Current ratio (30.77) than 100.00% 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.
Looking at the Quick ratio, with a value of 30.77, SOF belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	30.77
Quick Ratio	30.77

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.
The Revenue has decreased by -1.29% in the past year.
The Revenue has been growing slightly by 2.80% on average over the past years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 23.08 indicates a rather expensive valuation of SOF.
Compared to the rest of the industry, the Price/Earnings ratio of SOF is on the same level as its industry peers.
When comparing the Price/Earnings ratio of SOF to the average of the S&P500 Index (27.54), we can say SOF is valued inline with the index average.

		Industry Rank	Sector Rank
PE	23.08
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of SOF indicates a slightly more expensive valuation: SOF is more expensive than 67.24% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	153.42
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)8.66

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a yearly dividend of 0.96%, SOF is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 1.97, SOF has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.92, SOF's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.96%

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

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SOFINA

EBR:SOF (1/15/2026, 7:00:00 PM)

264

+3.2 (+1.23%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)09-04 2025-09-04

Earnings (Next)03-26 2026-03-26

Inst Owners8.19%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap9.69B

Revenue(TTM)462.63M

Net Income(TTM)414.63M

Analysts85

Price Target313.37 (18.7%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.96%

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	23.08
Fwd PE	N/A
P/S	20.94
P/FCF	153.42
P/OCF	153.32
P/B	0.99
P/tB	0.99
EV/EBITDA	N/A

EPS(TTM)11.44

EY4.33%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.72

FCFY0.65%

OCF(TTM)1.72

OCFY0.65%

SpS12.61

BVpS267.32

TBVpS267.32

PEG (NY)N/A

PEG (5Y)8.66

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	9.47

F-Score6

WACC7.36%

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%.

SOFINA (SOF.BR) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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SOFINA / SOF.BR FAQ

Can you provide the ChartMill fundamental rating for SOFINA?

What is the valuation status for SOF stock?

Can you provide the profitability details for SOFINA?

Is the dividend of SOFINA sustainable?