COFACE SA (COFA.PA) Stock Fundamental Analysis
EPA:COFA - Euronext Paris - Matif - FR0010667147 - Common Stock - Currency: EUR
COFA gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 38 industry peers in the Insurance industry. COFA scores excellent on profitability, but there are some minor concerns on its financial health. COFA is valued correctly, but it does not seem to be growing.
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.
Each year in the past 5 years COFA has been profitable.
Each year in the past 5 years COFA had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.89%, COFA belongs to the top of the industry, outperforming 94.87% of the companies in the same industry.
COFA's Return On Equity of 18.00% is amongst the best of the industry. COFA outperforms 84.62% of its industry peers.
With an excellent Return On Invested Capital value of 5.62%, COFA belongs to the best of the industry, outperforming 97.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 18% | ||
| ROIC | 5.62% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 15.31%, COFA belongs to the top of the industry, outperforming 87.18% of the companies in the same industry.
In the last couple of years the Profit Margin of COFA has grown nicely.
COFA has a Operating Margin of 23.15%. This is amongst the best in the industry. COFA outperforms 89.74% of its industry peers.
In the last couple of years the Operating Margin of COFA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.15% | ||
| PM (TTM) | 15.31% | ||
| GM | N/A |
OM growth 3Y-2.16%
OM growth 5Y6.11%
PM growth 3Y-5.69%
PM growth 5Y5.69%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
COFA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for COFA has been reduced compared to 5 years ago.
2.2 Solvency
COFA has an Altman-Z score of 1.47. 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 1.47 is amongst the best of the industry. COFA outperforms 97.44% of its industry peers.
COFA has a debt to FCF ratio of 9.95. This is a negative value and a sign of low solvency as COFA would need 9.95 years to pay back of all of its debts.
COFA has a worse Debt to FCF ratio (9.95) than 64.10% of its industry peers.
A Debt/Equity ratio of 1.48 is on the high side and indicates that COFA has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.48, COFA is doing worse than 89.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 9.95 | ||
| Altman-Z | 1.47 |
ROIC/WACC0.99
WACC5.7%
2.3 Liquidity
COFA has a Current Ratio of 8.43. This indicates that COFA is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 8.43, COFA belongs to the top of the industry, outperforming 97.44% of the companies in the same industry.
COFA has a Quick Ratio of 8.43. This indicates that COFA is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 8.43, COFA belongs to the top of the industry, outperforming 97.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.43 | ||
| Quick Ratio | 8.43 |
3. Growth
3.1 Past
COFA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.17%.
COFA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.53% yearly.
COFA shows a small growth in Revenue. In the last year, the Revenue has grown by 2.40%.
The Revenue has been growing slightly by 6.17% on average over the past years.
EPS 1Y (TTM)5.17%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-8.42%
Revenue 1Y (TTM)2.4%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%4.38%
3.2 Future
Based on estimates for the next years, COFA will show a decrease in Earnings Per Share. The EPS will decrease by -2.06% on average per year.
Based on estimates for the next years, COFA will show a small growth in Revenue. The Revenue will grow by 4.40% on average per year.
EPS Next Y-2.21%
EPS Next 2Y-0.82%
EPS Next 3Y1.58%
EPS Next 5Y-2.06%
Revenue Next Year3.34%
Revenue Next 2Y3.57%
Revenue Next 3Y4.4%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 6.28, the valuation of COFA can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of COFA indicates a rather cheap valuation: COFA is cheaper than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.30, COFA is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.36, the valuation of COFA can be described as very reasonable.
COFA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. COFA is cheaper than 76.92% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.76. COFA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.28 | ||
| Fwd PE | 9.36 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than 79.49% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, COFA is valued a bit cheaper than 69.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.54 | ||
| EV/EBITDA | 8.19 |
4.3 Compensation for Growth
COFA has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.5
EPS Next 2Y-0.82%
EPS Next 3Y1.58%
5. Dividend
5.1 Amount
COFA has a Yearly Dividend Yield of 8.47%, which is a nice return.
Compared to an average industry Dividend Yield of 4.56, COFA pays a better dividend. On top of this COFA pays more dividend than 97.44% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.47% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
49.20% of the earnings are spent on dividend by COFA. This is a bit on the high side, but may be sustainable.
DP49.2%
EPS Next 2Y-0.82%
EPS Next 3Y1.58%
EPA:COFA (7/11/2025, 7:00:00 PM)
16.39
-0.13 (-0.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.78%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap2.46B
Analysts78.18
Price Target18.63 (13.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.47% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP49.2%
Div Incr Years1
Div Non Decr Years1
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)7.92%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)3.61%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.28 | ||
| Fwd PE | 9.36 | ||
| P/S | 0.95 | ||
| P/FCF | 7.54 | ||
| P/OCF | 6.97 | ||
| P/B | 1.12 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | 8.19 |
EPS(TTM)2.61
EY15.92%
EPS(NY)1.75
Fwd EY10.69%
FCF(TTM)2.18
FCFY13.27%
OCF(TTM)2.35
OCFY14.36%
SpS17.18
BVpS14.61
TBVpS13.01
PEG (NY)N/A
PEG (5Y)0.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 18% | ||
| ROCE | 7.78% | ||
| ROIC | 5.62% | ||
| ROICexc | 6.01% | ||
| ROICexgc | 6.6% | ||
| OM | 23.15% | ||
| PM (TTM) | 15.31% | ||
| GM | N/A | ||
| FCFM | 12.66% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y4.05%
ROICexcg growth 5Y10.32%
ROICexc growth 3Y3.94%
ROICexc growth 5Y11.14%
OM growth 3Y-2.16%
OM growth 5Y6.11%
PM growth 3Y-5.69%
PM growth 5Y5.69%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 9.95 | ||
| Debt/EBITDA | 5.12 | ||
| Cap/Depr | 71.2% | ||
| Cap/Sales | 1.04% | ||
| Interest Coverage | 12.09 | ||
| Cash Conversion | 55.65% | ||
| Profit Quality | 82.71% | ||
| Current Ratio | 8.43 | ||
| Quick Ratio | 8.43 | ||
| Altman-Z | 1.47 |
F-ScoreN/A
WACC5.7%
ROIC/WACC0.99
Cap/Depr(3y)73%
Cap/Depr(5y)72.47%
Cap/Sales(3y)1.64%
Cap/Sales(5y)1.85%
Profit Quality(3y)128.06%
Profit Quality(5y)143.23%
High Growth Momentum
Growth
EPS 1Y (TTM)5.17%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-8.42%
EPS Next Y-2.21%
EPS Next 2Y-0.82%
EPS Next 3Y1.58%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)2.4%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%4.38%
Revenue Next Year3.34%
Revenue Next 2Y3.57%
Revenue Next 3Y4.4%
Revenue Next 5YN/A
EBIT growth 1Y10.23%
EBIT growth 3Y9.21%
EBIT growth 5Y12.66%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.51%
FCF growth 3Y1.78%
FCF growth 5Y6.95%
OCF growth 1Y20.08%
OCF growth 3Y2.62%
OCF growth 5Y7.36%