SOFINA (SOF.BR) Stock Fundamental Analysis
EBR:SOF - BE0003717312 - Common Stock
266.4 EUR
+2.2 (+0.83%)
Taking everything into account, SOF scores 5 out of 10 in our fundamental rating. SOF was compared to 50 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
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.
In multiple years SOF reported negative operating cash flow during the last 5 years.
1.2 Ratios
SOF has a better Return On Assets (12.18%) than 86.00% of its industry peers.
Looking at the Return On Equity, with a value of 13.19%, SOF is in the better half of the industry, outperforming 64.00% of the companies in the same industry.
The Return On Invested Capital of SOF (9.17%) is better than 64.00% 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.
SOF has a better Operating Margin (95.28%) 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.
SOF has a Gross Margin of 99.38%. This is amongst the best in the industry. SOF outperforms 96.00% 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 | 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.
SOF has less shares outstanding than it did 1 year ago.
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 8.29. This indicates that SOF is financially healthy and has little risk of bankruptcy at the moment.
SOF has a Altman-Z score of 8.29. This is amongst the best in the industry. SOF outperforms 92.00% 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 in line with its industry peers.
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 | 8.29 |
ROIC/WACC1.22
WACC7.49%
2.3 Liquidity
SOF has a Current Ratio of 8.39. This indicates that SOF is financially healthy and has no problem in meeting its short term obligations.
SOF has a Current ratio of 8.39. This is amongst the best in the industry. SOF outperforms 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.
With an excellent Quick ratio value of 8.39, SOF belongs to the best of the industry, outperforming 92.00% of the companies in the same industry.
| 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.
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 grown by 1841.61% in the past year. This is a very strong growth!
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)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
The Price/Earnings ratio is 6.67, which indicates a rather cheap valuation of SOF.
SOF's Price/Earnings ratio is rather cheap when compared to the industry. SOF is cheaper than 86.00% of the companies in the same industry.
SOF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.24.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.67 | ||
| Fwd PE | N/A |
4.2 Price Multiples
68.00% 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 | 91.69 | ||
| 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)2.5
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
SOF has a yearly dividend return of 0.87%, which is pretty low.
Compared to an average industry Dividend Yield of 3.51, SOF has a dividend in line with its industry peers.
With a Dividend Yield of 0.87, SOF pays less dividend than the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.87% |
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.
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 (8/22/2025, 7:00:00 PM)
266.4
+2.2 (+0.83%)
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 Cap9.12B
Analysts80
Price Target310.33 (16.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.87% |
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)0.58%
PT rev (3m)0.58%
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 | 6.67 | ||
| Fwd PE | N/A | ||
| P/S | 6.47 | ||
| P/FCF | 91.69 | ||
| P/OCF | 91.55 | ||
| P/B | 0.89 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)39.94
EY14.99%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.91
FCFY1.09%
OCF(TTM)2.91
OCFY1.09%
SpS41.2
BVpS300.88
TBVpS300.88
PEG (NY)N/A
PEG (5Y)2.5
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 | 8.29 |
F-Score6
WACC7.49%
ROIC/WACC1.22
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%