SOFINA (SOF.BR) Stock Fundamental Analysis
Europe - Euronext Brussels - EBR:SOF - BE0003717312 - Common Stock
242.6 EUR
+5.4 (+2.28%)
Taking everything into account, SOF scores 4 out of 10 in our fundamental rating. SOF was compared to 54 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.
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
With a decent Return On Assets value of 3.94%, SOF is doing good in the industry, outperforming 73.58% of the companies in the same industry.
SOF has a better Return On Equity (4.23%) than 60.38% of its industry peers.
With a Return On Invested Capital value of 2.85%, SOF perfoms like the industry average, outperforming 54.72% 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 98.11% 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's Gross Margin of 98.12% is amongst the best of the industry. SOF outperforms 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.
SOF has less shares outstanding than it did 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
SOF has an Altman-Z score of 8.91. This indicates that SOF is financially healthy and has little risk of bankruptcy at the moment.
SOF has a better Altman-Z score (8.91) than 94.34% 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 comparable to the rest of the industry.
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 79.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 11.13 | ||
| Altman-Z | 8.91 |
ROIC/WACC0.39
WACC7.32%
2.3 Liquidity
A Current Ratio of 30.77 indicates that SOF has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 30.77, SOF belongs to the top of the industry, outperforming 98.11% of the companies in the same industry.
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.
Looking at the Quick ratio, with a value of 30.77, SOF belongs to the top of the industry, outperforming 98.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 30.77 | ||
| Quick Ratio | 30.77 |
3. Growth
3.1 Past
The earnings per share for SOF have decreased strongly by -12.61% in the last year.
The Earnings Per Share has been growing slightly by 2.67% on average over the past years.
SOF shows a decrease in Revenue. In the last year, the revenue decreased by -1.29%.
Measured over the past years, SOF shows a small growth in Revenue. The Revenue has been growing by 2.80% on average per year.
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 21.21, which indicates a rather expensive current valuation of SOF.
The rest of the industry has a similar Price/Earnings ratio as SOF.
SOF's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.49.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.21 | ||
| Fwd PE | N/A |
4.2 Price Multiples
66.04% 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 | 140.98 | ||
| 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)7.96
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
SOF has a Yearly Dividend Yield of 1.03%. Purely for dividend investing, there may be better candidates out there.
SOF's Dividend Yield is a higher than the industry average which is at 3.26.
With a Dividend Yield of 1.03, SOF pays less dividend than the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.03% |
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
27.93% of the earnings are spent on dividend by SOF. This is a low number and sustainable payout ratio.
The dividend of SOF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP27.93%
EPS Next 2YN/A
EPS Next 3YN/A
EBR:SOF (12/5/2025, 7:00:00 PM)
242.6
+5.4 (+2.28%)
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 Cap8.90B
Revenue(TTM)462.63M
Net Income(TTM)414.63M
Analysts85
Price Target313.37 (29.17%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.03% |
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)0.98%
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 | 21.21 | ||
| Fwd PE | N/A | ||
| P/S | 19.25 | ||
| P/FCF | 140.98 | ||
| P/OCF | 140.89 | ||
| P/B | 0.91 | ||
| P/tB | 0.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.44
EY4.72%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.72
FCFY0.71%
OCF(TTM)1.72
OCFY0.71%
SpS12.61
BVpS267.32
TBVpS267.32
PEG (NY)N/A
PEG (5Y)7.96
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 | 8.91 |
F-Score6
WACC7.32%
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 6 / 10.
Can you provide the PE and PB ratios for SOF stock?
The Price/Earnings (PE) ratio for SOFINA (SOF.BR) is 21.21 and the Price/Book (PB) ratio is 0.91.
Is the dividend of SOFINA sustainable?
The dividend rating of SOFINA (SOF.BR) is 4 / 10 and the dividend payout ratio is 27.93%.