SOFINA (SOF.BR) Fundamental Analysis & Valuation

EBR:SOF • BE0003717312

Current stock price

222.8 EUR
+8.4 (+3.92%)
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

  • 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.
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

  • Looking at the Return On Assets, with a value of 3.94%, SOF is in the better half of the industry, outperforming 70.69% of the companies in the same industry.
  • With a Return On Equity value of 4.23%, SOF perfoms like the industry average, outperforming 51.72% of the companies in the same industry.
  • SOF has a Return On Invested Capital of 2.85%. This is comparable to the rest of the industry: SOF outperforms 53.45% of its industry peers.
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

  • SOF has a better Profit Margin (89.63%) than 98.28% 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 (86.24%) than 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.
  • SOF has a Gross Margin of 98.12%. This is amongst the best in the industry. SOF outperforms 100.00% 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 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.
  • Compared to 5 years ago, SOF has less shares outstanding
  • 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 8.06. This indicates that SOF is financially healthy and has little risk of bankruptcy at the moment.
  • SOF's Altman-Z score of 8.06 is amongst the best of the industry. SOF outperforms 91.38% of its industry peers.
  • 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.
  • SOF has a Debt to FCF ratio of 11.13. This is comparable to the rest of the industry: SOF outperforms 50.00% 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.
  • The Debt to Equity ratio of SOF (0.07) is better than 79.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 11.13
Altman-Z 8.06
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

  • A Current Ratio of 30.77 indicates that SOF has no problem at all paying its short term obligations.
  • SOF has a better Current ratio (30.77) than 100.00% of its industry peers.
  • SOF has a Quick Ratio of 30.77. This indicates that SOF is financially healthy and has no problem in meeting its short term obligations.
  • SOF has a Quick ratio of 30.77. This is amongst the best in the industry. SOF outperforms 100.00% of its industry peers.
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

  • SOF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.61%.
  • The Earnings Per Share has been growing slightly by 2.67% on average over the past years.
  • Looking at the last year, SOF shows a decrease in Revenue. The Revenue has decreased by -1.29% in the last 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

  • With a Price/Earnings ratio of 19.48, SOF is valued on the expensive side.
  • SOF's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of SOF to the average of the S&P500 Index (25.50), we can say SOF is valued slightly cheaper.
Industry RankSector Rank
PE 19.48
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SOF indicates a slightly more expensive valuation: SOF is more expensive than 63.79% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 129.48
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)7.31
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. SOF.BR Dividend Analysis

5.1 Amount

  • SOF has a Yearly Dividend Yield of 1.10%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.44, SOF has a dividend in line with its industry peers.
  • With a Dividend Yield of 1.10, SOF pays less dividend than the S&P500 average, which is at 1.89.
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 (3/25/2026, 5:29:52 PM)

222.8

+8.4 (+3.92%)

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 Cap8.18B
Revenue(TTM)462.63M
Net Income(TTM)414.63M
Analysts85
Price Target313.37 (40.65%)
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 19.48
Fwd PE N/A
P/S 17.67
P/FCF 129.48
P/OCF 129.39
P/B 0.83
P/tB 0.83
EV/EBITDA N/A
EPS(TTM)11.44
EY5.13%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.72
FCFY0.77%
OCF(TTM)1.72
OCFY0.77%
SpS12.61
BVpS267.32
TBVpS267.32
PEG (NY)N/A
PEG (5Y)7.31
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 8.06
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%.