SOFINA (SOF.BR) Stock Fundamental Analysis
Europe - Euronext Brussels - EBR:SOF - BE0003717312 - Common Stock
245.2 EUR
+0.2 (+0.08%)
SOF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 59 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.
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.
1.2 Ratios
With a decent Return On Assets value of 3.94%, SOF is doing good in the industry, outperforming 71.19% of the companies in the same industry.
SOF has a Return On Equity of 4.23%. This is comparable to the rest of the industry: SOF outperforms 55.93% of its industry peers.
SOF's Return On Invested Capital of 2.85% is in line compared to the rest of the industry. SOF outperforms 52.54% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 89.63%, SOF belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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 98.31% 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 Rank | Sector 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%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SOF is destroying value.
The number of shares outstanding for SOF has been reduced compared to 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.
2.2 Solvency
An Altman-Z score of 8.99 indicates that SOF is not in any danger for bankruptcy at the moment.
SOF has a Altman-Z score of 8.99. This is amongst the best in the industry. SOF outperforms 93.22% 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 (11.13) 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.
Looking at the Debt to Equity ratio, with a value of 0.07, SOF belongs to the top of the industry, outperforming 81.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 11.13 | ||
| Altman-Z | 8.99 |
ROIC/WACC0.39
WACC7.33%
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 98.31% of its industry peers.
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 98.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 30.77 | ||
| Quick Ratio | 30.77 |
3. Growth
3.1 Past
SOF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.61%.
SOF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.67% yearly.
SOF shows a decrease in Revenue. In the last year, the revenue decreased by -1.29%.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 21.43, which indicates a rather expensive current valuation of SOF.
SOF's Price/Earnings ratio is in line with the industry average.
SOF's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.43 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SOF is valued a bit more expensive than the industry average as 69.49% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 142.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)8.04
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.01%, SOF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.01, SOF has a dividend in line with its industry peers.
With a Dividend Yield of 1.01, SOF pays less dividend than the S&P500 average, which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.01% |
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
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
EBR:SOF (12/24/2025, 7:00:00 PM)
245.2
+0.2 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners8.12%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap9.00B
Revenue(TTM)462.63M
Net Income(TTM)414.63M
Analysts85
Price Target313.37 (27.8%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.01% |
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)-0.41%
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 | 21.43 | ||
| Fwd PE | N/A | ||
| P/S | 19.45 | ||
| P/FCF | 142.5 | ||
| P/OCF | 142.4 | ||
| P/B | 0.92 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.44
EY4.67%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.72
FCFY0.7%
OCF(TTM)1.72
OCFY0.7%
SpS12.61
BVpS267.32
TBVpS267.32
PEG (NY)N/A
PEG (5Y)8.04
Graham Number262.31
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 8.99 |
F-Score6
WACC7.33%
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 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 of SOFINA (SOF.BR) stock?
ChartMill assigns a valuation rating of 1 / 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 5 / 10.
Can you provide the PE and PB ratios for SOF stock?
The Price/Earnings (PE) ratio for SOFINA (SOF.BR) is 21.43 and the Price/Book (PB) ratio is 0.92.
Is the dividend of SOFINA sustainable?
The dividend rating of SOFINA (SOF.BR) is 3 / 10 and the dividend payout ratio is 27.93%.