SOFINA(EBR:SOF) stock Fundamental Analysis

Fundamental Rating

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.

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1. Profitability

1.1 Basic Checks

In the past year SOF was profitable.

SOF had a positive operating cash flow in the past year.

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

SOF has a Return On Assets of 4.21%. This is in the better half of the industry: SOF outperforms 62.00% of its industry peers.

Looking at the Return On Equity, with a value of 4.55%, SOF is in line with its industry, outperforming 42.00% of the companies in the same industry.

The Return On Invested Capital of SOF (3.04%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	4.21%
ROE	4.55%
ROIC	3.04%

ROA(3y)0.68%

ROA(5y)6.57%

ROE(3y)0.53%

ROE(5y)6.56%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 92.30%, SOF belongs to the top of the industry, outperforming 98.00% of the companies in the same industry.

In the last couple of years the Profit Margin of SOF has grown nicely.

SOF has a Operating Margin of 88.29%. This is amongst the best in the industry. SOF outperforms 100.00% of its industry peers.

In the last couple of years the Operating Margin of SOF has grown nicely.

SOF has a better Gross Margin (98.08%) than 98.00% of its industry peers.

SOF's Gross Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	88.29%
PM (TTM)	92.3%
GM	98.08%

OM growth 3Y15.69%

OM growth 5Y9.45%

PM growth 3Y9.63%

PM growth 5Y5.75%

GM growth 3Y3.44%

GM growth 5Y2.05%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SOF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.

SOF has less shares outstanding than it did 1 year ago.

SOF has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, SOF has a worse debt to assets ratio.

2.2 Solvency

An Altman-Z score of 7.86 indicates that SOF is not in any danger for bankruptcy at the moment.

With an excellent Altman-Z score value of 7.86, SOF belongs to the best of the industry, outperforming 86.00% of the companies in the same industry.

SOF has a debt to FCF ratio of 1.58. This is a very positive value and a sign of high solvency as it would only need 1.58 years to pay back of all of its debts.

SOF has a better Debt to FCF ratio (1.58) than 74.00% of 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 an excellent Debt to Equity ratio value of 0.07, SOF belongs to the best of the industry, outperforming 84.00% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	1.58
Altman-Z	7.86

ROIC/WACC0.42

WACC7.18%

2.3 Liquidity

A Current Ratio of 11.91 indicates that SOF has no problem at all paying its short term obligations.

With an excellent Current ratio value of 11.91, SOF belongs to the best of the industry, outperforming 94.00% of the companies in the same industry.

SOF has a Quick Ratio of 11.91. 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 11.91, SOF belongs to the top of the industry, outperforming 94.00% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	11.91
Quick Ratio	11.91

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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

The Earnings Per Share has grown by an impressive 184.22% over the past year.

Looking at the last year, SOF shows a very strong growth in Revenue. The Revenue has grown by 195.40%.

EPS 1Y (TTM)184.22%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%3858.98%

Revenue 1Y (TTM)195.4%

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%2142.37%

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 17.75 indicates a rather expensive valuation of SOF.

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 29.35.

		Industry Rank	Sector Rank
PE	17.75
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of SOF is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	17.87
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)N/A

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

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5. Dividend

5.1 Amount

SOF has a Yearly Dividend Yield of 1.03%.

Compared to an average industry Dividend Yield of 3.76, SOF has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.33, SOF's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.03%

5.2 History

The dividend of SOF has a limited annual growth rate of 4.00%.

Dividend Growth(5Y)4%

Div Incr Years5

Div Non Decr Years5

5.3 Sustainability

25.72% of the earnings are spent on dividend by SOF. This is a low number and sustainable payout ratio.

DP25.72%

EPS Next 2YN/A

EPS Next 3YN/A

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SOFINA

EBR:SOF (3/7/2025, 7:00:00 PM)

232.4

+5.2 (+2.29%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)N/A N/A

Earnings (Next)03-26 2025-03-26

Inst Owners7.89%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap7.96B

Analysts85

Price Target297.58 (28.05%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.03%

Yearly Dividend3.25

Dividend Growth(5Y)4%

DP25.72%

Div Incr Years5

Div Non Decr Years5

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)1.83%

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	17.75
Fwd PE	N/A
P/S	16.98
P/FCF	17.87
P/OCF	17.86
P/B	0.84
P/tB	0.84
EV/EBITDA	N/A

EPS(TTM)13.09

EY5.63%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)13

FCFY5.59%

OCF(TTM)13.02

OCFY5.6%

SpS13.68

BVpS277.64

TBVpS277.64

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	4.21%
ROE	4.55%
ROCE	4.05%
ROIC	3.04%
ROICexc	3.23%
ROICexgc	3.23%
OM	88.29%
PM (TTM)	92.3%
GM	98.08%
FCFM	95.02%

ROA(3y)0.68%

ROA(5y)6.57%

ROE(3y)0.53%

ROE(5y)6.56%

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 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3Y15.69%

OM growth 5Y9.45%

PM growth 3Y9.63%

PM growth 5Y5.75%

GM growth 3Y3.44%

GM growth 5Y2.05%

F-Score7

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	1.58
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.09%
Interest Coverage	55.61
Cash Conversion	N/A
Profit Quality	102.95%
Current Ratio	11.91
Quick Ratio	11.91
Altman-Z	7.86

F-Score7

WACC7.18%

ROIC/WACC0.42

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)0.19%

Cap/Sales(5y)0.14%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)184.22%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%3858.98%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)195.4%

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%2142.37%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y177.67%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y200.74%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y200.89%

OCF growth 3YN/A

OCF growth 5YN/A

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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