SOFINA (SOF.BR) Stock Fundamental Analysis
EBR:SOF - Euronext Brussels - BE0003717312 - Common Stock - Currency: EUR
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.
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
The Return On Assets of SOF (12.18%) is better than 86.00% of its industry peers.
With a decent Return On Equity value of 13.19%, SOF is doing good in the industry, outperforming 64.00% 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 66.00% 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
Looking at the Profit Margin, with a value of 96.34%, SOF belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
SOF's Profit Margin has been stable in the last couple of years.
With an excellent Operating Margin value of 95.28%, SOF belongs to the best of the industry, outperforming 96.00% of the companies in the same industry.
SOF's Operating Margin has been stable in the last couple of years.
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 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), SOF is creating some 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 8.01 indicates that SOF is not in any danger for bankruptcy at the moment.
The Altman-Z score of SOF (8.01) is better than 88.00% of its industry peers.
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.
The Debt to Equity ratio of SOF (0.07) is better than 82.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 7.03 | ||
| Altman-Z | 8.01 |
ROIC/WACC1.26
WACC7.26%
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 92.00% of its industry peers.
A Quick Ratio of 8.39 indicates that SOF has no problem at all paying its short term obligations.
SOF has a better Quick ratio (8.39) than 92.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.39 | ||
| Quick Ratio | 8.39 |
3. Growth
3.1 Past
SOF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1380.07%, which is quite impressive.
The Earnings Per Share has been growing slightly by 2.67% on average over the past years.
The Revenue has grown by 1841.61% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 2.80% on average over the past years.
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 6.37, the valuation of SOF can be described as very cheap.
Based on the Price/Earnings ratio, SOF is valued cheaper than 82.00% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.43, SOF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.37 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SOF is valued a bit more expensive than 62.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 87.56 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of SOF may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)2.39
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
SOF has a yearly dividend return of 0.97%, which is pretty low.
Compared to an average industry Dividend Yield of 3.80, SOF has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, SOF's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.97% |
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
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 (6/4/2025, 7:00:00 PM)
254.4
+1.8 (+0.71%)
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 Cap8.71B
Analysts85
Price Target308.55 (21.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.97% |
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)1.26%
PT rev (3m)3.68%
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 | 6.37 | ||
| Fwd PE | N/A | ||
| P/S | 6.17 | ||
| P/FCF | 87.56 | ||
| P/OCF | 87.42 | ||
| P/B | 0.85 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)39.94
EY15.7%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.91
FCFY1.14%
OCF(TTM)2.91
OCFY1.14%
SpS41.2
BVpS300.88
TBVpS300.88
PEG (NY)N/A
PEG (5Y)2.39
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 | 8.01 |
F-Score6
WACC7.26%
ROIC/WACC1.26
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%