COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe • Euronext Paris • EPA:COFA • FR0010667147
15.64 EUR
+0.22 (+1.43%)
Last: Feb 2, 2026, 12:44 PM
We assign a fundamental rating of 6 out of 10 to COFA. COFA was compared to 47 industry peers in the Insurance industry. While COFA has a great profitability rating, there are some minor concerns on its financial health. COFA has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally COFA also has an excellent dividend rating. This makes COFA very considerable for dividend investing!
1. Profitability
1.1 Basic Checks
- COFA had positive earnings in the past year.
- In the past year COFA had a positive cash flow from operations.
- In the past 5 years COFA has always been profitable.
- In the past 5 years COFA always reported a positive cash flow from operatings.
1.2 Ratios
- COFA's Return On Assets of 4.37% is amongst the best of the industry. COFA outperforms 89.36% of its industry peers.
- COFA has a Return On Equity of 16.59%. This is in the better half of the industry: COFA outperforms 61.70% of its industry peers.
- COFA's Return On Invested Capital of 5.18% is amongst the best of the industry. COFA outperforms 93.62% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for COFA is in line with the industry average of 2.87%.
- The 3 year average ROIC (3.72%) for COFA is below the current ROIC(5.18%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.37% | ||
| ROE | 16.59% | ||
| ROIC | 5.18% |
ROA(3y)3.15%
ROA(5y)2.72%
ROE(3y)11.85%
ROE(5y)9.95%
ROIC(3y)3.72%
ROIC(5y)3.19%
1.3 Margins
- With an excellent Profit Margin value of 13.56%, COFA belongs to the best of the industry, outperforming 82.98% of the companies in the same industry.
- COFA's Profit Margin has improved in the last couple of years.
- COFA's Operating Margin of 20.93% is amongst the best of the industry. COFA outperforms 87.23% of its industry peers.
- In the last couple of years the Operating Margin of COFA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.93% | ||
| PM (TTM) | 13.56% | ||
| GM | N/A |
OM growth 3Y-1.74%
OM growth 5Y6.39%
PM growth 3Y-5.69%
PM growth 5Y5.69%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), COFA is creating some value.
- The number of shares outstanding for COFA has been increased compared to 1 year ago.
- Compared to 5 years ago, COFA has less shares outstanding
- The debt/assets ratio for COFA has been reduced compared to a year ago.
2.2 Solvency
- COFA has an Altman-Z score of 1.42. This is a bad value and indicates that COFA is not financially healthy and even has some risk of bankruptcy.
- COFA's Altman-Z score of 1.42 is amongst the best of the industry. COFA outperforms 91.49% of its industry peers.
- COFA has a debt to FCF ratio of 17.53. This is a negative value and a sign of low solvency as COFA would need 17.53 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 17.53, COFA is not doing good in the industry: 72.34% of the companies in the same industry are doing better.
- A Debt/Equity ratio of 1.58 is on the high side and indicates that COFA has dependencies on debt financing.
- The Debt to Equity ratio of COFA (1.58) is worse than 85.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.53 | ||
| Altman-Z | 1.42 |
ROIC/WACC1.11
WACC4.67%
2.3 Liquidity
- COFA has a Current Ratio of 7.19. This indicates that COFA is financially healthy and has no problem in meeting its short term obligations.
- With an excellent Current ratio value of 7.19, COFA belongs to the best of the industry, outperforming 95.74% of the companies in the same industry.
- A Quick Ratio of 7.19 indicates that COFA has no problem at all paying its short term obligations.
- Looking at the Quick ratio, with a value of 7.19, COFA belongs to the top of the industry, outperforming 95.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 7.19 | ||
| Quick Ratio | 7.19 |
3. Growth
3.1 Past
- COFA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.64%.
- Measured over the past years, COFA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.53% on average per year.
- COFA shows a small growth in Revenue. In the last year, the Revenue has grown by 4.35%.
- COFA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.17% yearly.
EPS 1Y (TTM)-7.64%
EPS 3Y5.27%
EPS 5Y12.53%
EPS Q2Q%-20.45%
Revenue 1Y (TTM)4.35%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%-0.99%
3.2 Future
- The Earnings Per Share is expected to decrease by -2.06% on average over the next years.
- The Revenue is expected to grow by 2.72% on average over the next years.
EPS Next Y-11.45%
EPS Next 2Y-4.93%
EPS Next 3Y-1.51%
EPS Next 5Y-2.06%
Revenue Next Year1.49%
Revenue Next 2Y2.13%
Revenue Next 3Y2.72%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 6.52, the valuation of COFA can be described as very cheap.
- Based on the Price/Earnings ratio, COFA is valued cheaply inside the industry as 95.74% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of COFA to the average of the S&P500 Index (28.32), we can say COFA is valued rather cheaply.
- The Price/Forward Earnings ratio is 9.72, which indicates a very decent valuation of COFA.
- Based on the Price/Forward Earnings ratio, COFA is valued a bit cheaper than 72.34% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, COFA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.52 | ||
| Fwd PE | 9.72 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than 65.96% of the companies in the same industry.
- COFA's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.06 | ||
| EV/EBITDA | 9.08 |
4.3 Compensation for Growth
- COFA has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.52
EPS Next 2Y-4.93%
EPS Next 3Y-1.51%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 9.04%, COFA is a good candidate for dividend investing.
- COFA's Dividend Yield is rather good when compared to the industry average which is at 4.09. COFA pays more dividend than 100.00% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.04% |
5.2 History
- The dividend of COFA is nicely growing with an annual growth rate of 30.56%!
Dividend Growth(5Y)30.56%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- COFA pays out 58.53% of its income as dividend. This is a bit on the high side, but may be sustainable.
- COFA's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP58.53%
EPS Next 2Y-4.93%
EPS Next 3Y-1.51%
COFACE SA / COFA.PA FAQ
What is the fundamental rating for COFA stock?
ChartMill assigns a fundamental rating of 5 / 10 to COFA.PA.
Can you provide the valuation status for COFACE SA?
ChartMill assigns a valuation rating of 6 / 10 to COFACE SA (COFA.PA). This can be considered as Fairly Valued.
What is the profitability of COFA stock?
COFACE SA (COFA.PA) has a profitability rating of 7 / 10.
What is the earnings growth outlook for COFACE SA?
The Earnings per Share (EPS) of COFACE SA (COFA.PA) is expected to decline by -11.45% in the next year.
Is the dividend of COFACE SA sustainable?
The dividend rating of COFACE SA (COFA.PA) is 7 / 10 and the dividend payout ratio is 58.53%.