SOFINA(EBR:SOF) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, SOF scores 5 out of 10 in our fundamental rating. SOF was compared to 51 industry peers in the Financial Services industry. SOF has an excellent financial health rating, but there are some minor concerns on its profitability. SOF is valued expensive and it does not seem to be growing.

Quickly go to:

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.

In multiple years SOF reported negative net income over the last 5 years.

In multiple years SOF reported negative operating cash flow during the last 5 years.

1.2 Ratios

SOF has a Return On Assets (4.21%) which is comparable to the rest of the industry.

With a Return On Equity value of 4.55%, SOF perfoms like the industry average, outperforming 41.18% of the companies in the same industry.

SOF has a Return On Invested Capital of 3.04%. This is comparable to the rest of the industry: SOF outperforms 54.90% of its industry peers.

		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 98.04% of the companies in the same industry.

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

The Operating Margin of SOF (88.29%) is better than 100.00% of its industry peers.

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

With an excellent Gross Margin value of 98.08%, SOF belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.

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

		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%

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

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 less shares outstanding

The number of shares outstanding for SOF has been reduced compared to 5 years ago.

The debt/assets ratio for SOF is higher compared to a year ago.

2.2 Solvency

An Altman-Z score of 8.13 indicates that SOF is not in any danger for bankruptcy at the moment.

SOF has a Altman-Z score of 8.13. This is amongst the best in the industry. SOF outperforms 86.27% of its industry peers.

The Debt to FCF ratio of SOF is 1.58, which is an excellent value as it means it would take SOF, only 1.58 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of SOF (1.58) is better than 80.39% 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 84.31% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	1.58
Altman-Z	8.13

ROIC/WACC0.41

WACC7.41%

2.3 Liquidity

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

SOF has a better Current ratio (11.91) than 92.16% of its industry peers.

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

SOF has a better Quick ratio (11.91) than 92.16% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	11.91
Quick Ratio	11.91

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

SOF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 184.22%, which is quite impressive.

SOF shows a strong growth in Revenue. In the last year, 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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 18.58, the valuation of SOF can be described as rather expensive.

SOF's Price/Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Earnings ratio of 28.79, SOF is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	18.58
Fwd PE	N/A

4.2 Price Multiples

SOF's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	18.7
EV/EBITDA	N/A

4.3 Compensation for Growth

The decent profitability rating of SOF 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

Show best valued peers

5. Dividend

5.1 Amount

SOF has a Yearly Dividend Yield of 1.01%. Purely for dividend investing, there may be better candidates out there.

SOF's Dividend Yield is comparable with the industry average which is at 3.88.

With a Dividend Yield of 1.01, SOF pays less dividend than the S&P500 average, which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	1.01%

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

SOF pays out 25.72% of its income as dividend. This is a sustainable payout ratio.

DP25.72%

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

SOFINA

EBR:SOF (4/25/2025, 7:00:00 PM)

243.2

+1 (+0.41%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)03-26 2025-03-26

Earnings (Next)09-05 2025-09-05

Inst Owners7.89%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap8.33B

Analysts85

Price Target302.69 (24.46%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.01%

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)1.71%

PT rev (3m)3.58%

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 Rank	Sector Rank
PE	18.58
Fwd PE	N/A
P/S	17.77
P/FCF	18.7
P/OCF	18.69
P/B	0.88
P/tB	0.88
EV/EBITDA	N/A

EPS(TTM)13.09

EY5.38%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)13

FCFY5.35%

OCF(TTM)13.02

OCFY5.35%

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	8.13

F-Score7

WACC7.41%

ROIC/WACC0.41

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

More info and screens