SOFINA (SOF.BR) Fundamental Analysis & Valuation

EBR:SOF • BE0003717312

Current stock price

216.4 EUR
-1.2 (-0.55%)
Last:

This SOF.BR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. SOF.BR Profitability Analysis

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.
  • In multiple years SOF reported negative operating cash flow during the last 5 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B

1.2 Ratios

  • SOF has a better Return On Assets (3.94%) than 70.69% of its industry peers.
  • SOF has a Return On Equity (4.23%) which is in line with its industry peers.
  • With a Return On Invested Capital value of 2.85%, SOF perfoms like the industry average, outperforming 53.45% of the companies in the same industry.
Industry RankSector 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
SOF.BR Yearly ROA, ROE, ROICSOF.BR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20

1.3 Margins

  • The Profit Margin of SOF (89.63%) is better than 98.28% of its industry peers.
  • SOF's Profit Margin has been stable in the last couple of years.
  • 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.
  • The Gross Margin of SOF (98.12%) is better than 100.00% of its industry peers.
  • SOF's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
SOF.BR Yearly Profit, Operating, Gross MarginsSOF.BR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 100 200 300

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7

2. SOF.BR Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SOF is destroying value.
  • SOF has less shares outstanding than it did 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • SOF has an Altman-Z score of 8.16. This indicates that SOF is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 8.16, SOF belongs to the top of the industry, outperforming 91.38% of the companies in the same industry.
  • 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.
  • The Debt to FCF ratio of SOF (11.13) 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.
  • Looking at the Debt to Equity ratio, with a value of 0.07, SOF is in the better half of the industry, outperforming 79.31% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 11.13
Altman-Z 8.16
ROIC/WACC0.39
WACC7.36%
SOF.BR Yearly LT Debt VS Equity VS FCFSOF.BR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

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.
  • Looking at the Current 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.
  • A Quick Ratio of 30.77 indicates that SOF has no problem at all paying 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 RankSector Rank
Current Ratio 30.77
Quick Ratio 30.77
SOF.BR Yearly Current Assets VS Current LiabilitesSOF.BR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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1

3. SOF.BR Growth Analysis

3.1 Past

  • The earnings per share for SOF have decreased strongly by -12.61% in the last 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 decreased by -1.29% in the past year.
  • SOF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.80% yearly.
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.
SOF.BR Yearly Revenue VS EstimatesSOF.BR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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

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1

4. SOF.BR Valuation Analysis

4.1 Price/Earnings Ratio

  • SOF is valuated rather expensively with a Price/Earnings ratio of 18.92.
  • The rest of the industry has a similar Price/Earnings ratio as SOF.
  • SOF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.54.
Industry RankSector Rank
PE 18.92
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

  • Based on the Price/Free Cash Flow ratio, SOF is valued a bit more expensive than 63.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 125.76
EV/EBITDA N/A
SOF.BR Per share dataSOF.BR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200 250

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)7.1
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. SOF.BR Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.10%, SOF has a reasonable but not impressive dividend return.
  • SOF's Dividend Yield is comparable with the industry average which is at 2.44.
  • Compared to an average S&P500 Dividend Yield of 1.89, SOF's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.1%

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 27.93% 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.
DP27.93%
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 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

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SOF.BR Fundamentals: All Metrics, Ratios and Statistics

SOFINA

EBR:SOF (3/23/2026, 7:00:00 PM)

216.4

-1.2 (-0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A
Earnings (Next)03-26
Inst Owners8.33%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap7.94B
Revenue(TTM)462.63M
Net Income(TTM)414.63M
Analysts85
Price Target313.37 (44.81%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.1%
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)0%
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 18.92
Fwd PE N/A
P/S 17.17
P/FCF 125.76
P/OCF 125.67
P/B 0.81
P/tB 0.81
EV/EBITDA N/A
EPS(TTM)11.44
EY5.29%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.72
FCFY0.8%
OCF(TTM)1.72
OCFY0.8%
SpS12.61
BVpS267.32
TBVpS267.32
PEG (NY)N/A
PEG (5Y)7.1
Graham Number262.31
Profitability
Industry RankSector 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 RankSector 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 8.16
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 Fundamental Analysis 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%.