SOFINA (SOF.BR) Fundamental Analysis & Valuation

EBR:SOF • BE0003717312

Current stock price

217.8 EUR
+3.6 (+1.68%)
Last:

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

4

1. SOF.BR Profitability Analysis

1.1 Basic Checks

  • SOF had positive earnings in the past year.
  • SOF had a negative 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 2025 0 1B -1B 2B

1.2 Ratios

  • SOF has a Return On Assets (0.93%) which is comparable to the rest of the industry.
  • SOF has a Return On Equity (1.04%) which is in line with its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.60%, SOF is in line with its industry, outperforming 41.82% of the companies in the same industry.
Industry RankSector Rank
ROA 0.93%
ROE 1.04%
ROIC 0.6%
ROA(3y)4.02%
ROA(5y)3.03%
ROE(3y)4.36%
ROE(5y)3.17%
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 2025 0 10 -10 20 -20

1.3 Margins

  • SOF's Profit Margin of 66.08% is amongst the best of the industry. SOF outperforms 98.18% of its industry peers.
  • In the last couple of years the Profit Margin of SOF has declined.
  • The Operating Margin of SOF (56.97%) is better than 90.91% of its industry peers.
  • In the last couple of years the Operating Margin of SOF has declined.
  • SOF has a better Gross Margin (93.54%) than 98.18% of its industry peers.
  • SOF's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 56.97%
PM (TTM) 66.08%
GM 93.54%
OM growth 3Y-17.77%
OM growth 5Y-10.21%
PM growth 3Y-13.71%
PM growth 5Y-7.52%
GM growth 3Y-2.35%
GM growth 5Y-1.33%
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 2025 100 200 300

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6

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.
  • Compared to 1 year ago, SOF has more shares outstanding
  • SOF has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for SOF is higher compared to a year ago.
SOF.BR Yearly Shares OutstandingSOF.BR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • An Altman-Z score of 4.98 indicates that SOF is not in any danger for bankruptcy at the moment.
  • SOF has a Altman-Z score of 4.98. This is amongst the best in the industry. SOF outperforms 89.09% of its industry peers.
  • SOF has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.12, SOF is in the better half of the industry, outperforming 74.55% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF N/A
Altman-Z 4.98
ROIC/WACC0.08
WACC7.12%
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 2025 0 2B 4B 6B 8B 10B

2.3 Liquidity

  • SOF has a Current Ratio of 67.93. This indicates that SOF is financially healthy and has no problem in meeting its short term obligations.
  • SOF's Current ratio of 67.93 is amongst the best of the industry. SOF outperforms 100.00% of its industry peers.
  • SOF has a Quick Ratio of 67.93. This indicates that SOF is financially healthy and has no problem in meeting its short term obligations.
  • SOF has a better Quick ratio (67.93) than 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 67.93
Quick Ratio 67.93
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 2025 500M 1B 1.5B 2B

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0

3. SOF.BR Growth Analysis

3.1 Past

  • SOF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -94.15%.
  • Measured over the past years, SOF shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -39.56% on average per year.
  • The Revenue for SOF has decreased by -87.88% in the past year. This is quite bad
  • SOF shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -34.44% yearly.
EPS 1Y (TTM)-94.15%
EPS 3YN/A
EPS 5Y-39.56%
EPS Q2Q%-39.05%
Revenue 1Y (TTM)-87.88%
Revenue growth 3YN/A
Revenue growth 5Y-34.44%
Sales Q2Q%-34.89%

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 2025 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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0

4. SOF.BR Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 93.88, SOF can be considered very expensive at the moment.
  • SOF's Price/Earnings ratio is a bit more expensive when compared to the industry. SOF is more expensive than 63.64% of the companies in the same industry.
  • SOF's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.21.
Industry RankSector Rank
PE 93.88
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SOF.BR Per share dataSOF.BR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 100 200

4.3 Compensation for Growth

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

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2

5. SOF.BR Dividend Analysis

5.1 Amount

  • SOF has a Yearly Dividend Yield of 1.18%. Purely for dividend investing, there may be better candidates out there.
  • SOF's Dividend Yield is comparable with the industry average which is at 2.60.
  • SOF's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.18%

5.2 History

  • The dividend of SOF has a limited annual growth rate of 2.99%.
Dividend Growth(5Y)2.99%
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 102.47% of its income as dividend. This is not a sustainable payout ratio.
  • The Dividend Rate of SOF has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP102.47%
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 2025 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 (4/7/2026, 5:29:51 PM)

217.8

+3.6 (+1.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-26
Earnings (Next)09-09
Inst Owners8.33%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap7.99B
Revenue(TTM)171.01M
Net Income(TTM)113.00M
Analysts85
Price Target311.54 (43.04%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.18%
Yearly Dividend3.37
Dividend Growth(5Y)2.99%
DP102.47%
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 RankSector Rank
PE 93.88
Fwd PE N/A
P/S 46.74
P/FCF N/A
P/OCF N/A
P/B 0.74
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)2.32
EY1.07%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-20.19
FCFYN/A
OCF(TTM)-20.19
OCFYN/A
SpS4.66
BVpS295.45
TBVpS295.45
PEG (NY)N/A
PEG (5Y)N/A
Graham Number124.19
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 1.04%
ROCE 0.8%
ROIC 0.6%
ROICexc 0.69%
ROICexgc 0.69%
OM 56.97%
PM (TTM) 66.08%
GM 93.54%
FCFM N/A
ROA(3y)4.02%
ROA(5y)3.03%
ROE(3y)4.36%
ROE(5y)3.17%
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 3YN/A
ROICexgc growth 5Y-43.63%
ROICexc growth 3YN/A
ROICexc growth 5Y-43.63%
OM growth 3Y-17.77%
OM growth 5Y-10.21%
PM growth 3Y-13.71%
PM growth 5Y-7.52%
GM growth 3Y-2.35%
GM growth 5Y-1.33%
F-Score2
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.01%
Interest Coverage 13.92
Cash Conversion N/A
Profit Quality N/A
Current Ratio 67.93
Quick Ratio 67.93
Altman-Z 4.98
F-Score2
WACC7.12%
ROIC/WACC0.08
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)-94.15%
EPS 3YN/A
EPS 5Y-39.56%
EPS Q2Q%-39.05%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-87.88%
Revenue growth 3YN/A
Revenue growth 5Y-34.44%
Sales Q2Q%-34.89%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-92.75%
EBIT growth 3YN/A
EBIT growth 5Y-41.14%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-844.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-843.38%
OCF growth 3YN/A
OCF growth 5YN/A

SOFINA / SOF.BR Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for SOFINA?

ChartMill assigns a fundamental rating of 3 / 10 to SOF.BR.


What is the valuation status for SOF stock?

ChartMill assigns a valuation rating of 0 / 10 to SOFINA (SOF.BR). This can be considered as Overvalued.


What is the profitability of SOF stock?

SOFINA (SOF.BR) has a profitability rating of 4 / 10.


What are the PE and PB ratios of SOFINA (SOF.BR) stock?

The Price/Earnings (PE) ratio for SOFINA (SOF.BR) is 93.88 and the Price/Book (PB) ratio is 0.74.


What is the financial health of SOFINA (SOF.BR) stock?

The financial health rating of SOFINA (SOF.BR) is 6 / 10.