SOF Fundamental Analysis - SOFINA

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to SOF. SOF was compared to 50 industry peers in the Financial Services industry. SOF is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. SOF is valued expensive and it does not seem to be growing.

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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

The Return On Assets of SOF (3.94%) is better than 72.00% of its industry peers.

SOF has a Return On Equity (4.23%) which is comparable to the rest of the industry.

Looking at the Return On Invested Capital, with a value of 2.85%, SOF is in line with its industry, outperforming 54.00% of the companies in the same industry.

		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 better Operating Margin (86.24%) than 98.00% of its industry peers.

SOF's Operating Margin has been stable in the last couple of years.

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 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SOF is destroying value.

The number of shares outstanding for SOF has been reduced compared to 1 year ago.

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

Compared to 1 year ago, SOF has an improved debt to assets ratio.

2.2 Solvency

An Altman-Z score of 8.97 indicates that SOF is not in any danger for bankruptcy at the moment.

SOF has a better Altman-Z score (8.97) than 94.00% 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 48.00% of its industry peers.

A Debt/Equity ratio of 0.07 indicates that SOF is not too dependend on debt financing.

SOF has a Debt to Equity ratio of 0.07. This is in the better half of the industry: SOF outperforms 78.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	11.13
Altman-Z	8.97

ROIC/WACC0.39

WACC7.38%

2.3 Liquidity

A Current Ratio of 30.77 indicates that SOF has no problem at all paying its short term obligations.

SOF's Current ratio of 30.77 is amongst the best of the industry. SOF outperforms 98.00% of its industry peers.

A Quick Ratio of 30.77 indicates that SOF has no problem at all paying its short term obligations.

The Quick ratio of SOF (30.77) is better than 98.00% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	30.77
Quick Ratio	30.77

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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

SOF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.61%.

Measured over the past 5 years, SOF shows a small growth in Earnings Per Share. The EPS has been growing by 2.67% on average per year.

Looking at the last year, SOF shows a decrease in Revenue. The Revenue has decreased by -1.29% in the last year.

The Revenue has been growing slightly by 2.80% on average over the past years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 21.36, 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 27.67, SOF is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	21.36
Fwd PE	N/A

4.2 Price Multiples

70.00% of the companies in the same industry are cheaper than SOF, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	142.03
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)8.01

EPS Next 2YN/A

EPS Next 3YN/A

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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.

Compared to an average industry Dividend Yield of 3.62, SOF pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.35, SOF's dividend is way lower than the S&P500 average.

		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

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SOFINA

EBR:SOF (10/24/2025, 10:10:53 AM)

244.4

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)09-04 2025-09-04

Earnings (Next)03-26 2026-03-26

Inst Owners8.14%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap8.97B

Revenue(TTM)462.63M

Net Income(TTM)414.63M

Analysts82.86

Price Target318.85 (30.46%)

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)1.33%

PT rev (3m)5.52%

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	21.36
Fwd PE	N/A
P/S	19.39
P/FCF	142.03
P/OCF	141.93
P/B	0.91
P/tB	0.91
EV/EBITDA	N/A

EPS(TTM)11.44

EY4.68%

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)8.01

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	8.97

F-Score6

WACC7.38%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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