COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:COFA - FR0010667147 - Common Stock
14.86 EUR
+0.05 (+0.34%)
We assign a fundamental rating of 6 out of 10 to COFA. COFA was compared to 48 industry peers in the Insurance industry. COFA has an excellent profitability rating, but there are some minor concerns on its financial health. COFA is valued correctly, but it does not seem to be growing. COFA also has an excellent dividend rating. This makes COFA very considerable for dividend investing!
1. Profitability
1.1 Basic Checks
In the past year COFA was profitable.
In the past year COFA had a positive cash flow from operations.
In the past 5 years COFA has always been profitable.
COFA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.37%, COFA belongs to the top of the industry, outperforming 89.58% of the companies in the same industry.
With a decent Return On Equity value of 16.59%, COFA is doing good in the industry, outperforming 60.42% of the companies in the same industry.
COFA has a Return On Invested Capital of 5.18%. This is amongst the best in the industry. COFA outperforms 93.75% 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 2.58%.
The last Return On Invested Capital (5.18%) for COFA is above the 3 year average (3.90%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.37% | ||
| ROE | 16.59% | ||
| ROIC | 5.18% |
ROA(3y)3.34%
ROA(5y)2.84%
ROE(3y)12.55%
ROE(5y)10.37%
ROIC(3y)3.9%
ROIC(5y)3.29%
1.3 Margins
COFA has a Profit Margin of 13.56%. This is amongst the best in the industry. COFA outperforms 81.25% of its industry peers.
In the last couple of years the Profit Margin of COFA has grown nicely.
With an excellent Operating Margin value of 20.93%, COFA belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
COFA's Operating Margin has improved in the last couple of years.
| 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.
Compared to 1 year ago, COFA has more shares outstanding
Compared to 5 years ago, COFA has less shares outstanding
Compared to 1 year ago, COFA has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.42, we must say that COFA is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.42, COFA belongs to the top of the industry, outperforming 91.67% of the companies in the same industry.
The Debt to FCF ratio of COFA is 17.59, which is on the high side as it means it would take COFA, 17.59 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 17.59, COFA is doing worse than 68.75% of the companies in the same industry.
A Debt/Equity ratio of 1.58 is on the high side and indicates that COFA has dependencies on debt financing.
COFA has a worse Debt to Equity ratio (1.58) than 85.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.59 | ||
| Altman-Z | 1.42 |
ROIC/WACC1.13
WACC4.6%
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.
COFA's Current ratio of 7.19 is amongst the best of the industry. COFA outperforms 95.83% of its industry peers.
A Quick Ratio of 7.19 indicates that COFA has no problem at all paying its short term obligations.
The Quick ratio of COFA (7.19) is better than 95.83% of its industry peers.
| 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 -7.77%.
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.
The Revenue has been growing slightly by 4.37% in the past year.
Measured over the past years, COFA shows a small growth in Revenue. The Revenue has been growing by 6.17% on average per year.
EPS 1Y (TTM)-7.77%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-20.84%
Revenue 1Y (TTM)4.37%
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 3.94% on average over the next years.
EPS Next Y-8.13%
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
EPS Next 5Y-2.06%
Revenue Next Year3.55%
Revenue Next 2Y3.85%
Revenue Next 3Y3.94%
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.
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
Based on the Price/Earnings ratio of 6.19, the valuation of COFA can be described as very cheap.
Based on the Price/Earnings ratio, COFA is valued cheaper than 95.83% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.37. COFA is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.71, the valuation of COFA can be described as reasonable.
Based on the Price/Forward Earnings ratio, COFA is valued cheaper than 83.33% of the companies in the same industry.
COFA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.20.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.19 | ||
| Fwd PE | 8.71 |
4.2 Price Multiples
COFA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. COFA is cheaper than 68.75% of the companies in the same industry.
COFA's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.5 | ||
| EV/EBITDA | 8.93 |
4.3 Compensation for Growth
The excellent profitability rating of COFA may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.49
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
5. Dividend
5.1 Amount
COFA has a Yearly Dividend Yield of 9.18%, which is a nice return.
COFA's Dividend Yield is rather good when compared to the industry average which is at 4.47. COFA pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.18% |
5.2 History
On average, the dividend of COFA grows each year by 30.56%, which is quite nice.
Dividend Growth(5Y)30.56%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
58.62% of the earnings are spent on dividend by COFA. This is a bit on the high side, but may be sustainable.
The Dividend Rate of COFA has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP58.62%
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
EPA:COFA (12/4/2025, 12:56:28 PM)
14.86
+0.05 (+0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners58.18%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap2.23B
Revenue(TTM)2.63B
Net Income(TTM)357.19M
Analysts78.18
Price Target18.2 (22.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.18% |
Yearly Dividend1.3
Dividend Growth(5Y)30.56%
DP58.62%
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)-2.09%
PT rev (3m)-2.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.5%
EPS NY rev (3m)-0.87%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.19 | ||
| Fwd PE | 8.71 | ||
| P/S | 0.85 | ||
| P/FCF | 11.5 | ||
| P/OCF | 10.08 | ||
| P/B | 1.04 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | 8.93 |
EPS(TTM)2.4
EY16.15%
EPS(NY)1.71
Fwd EY11.48%
FCF(TTM)1.29
FCFY8.7%
OCF(TTM)1.47
OCFY9.92%
SpS17.54
BVpS14.34
TBVpS12.74
PEG (NY)N/A
PEG (5Y)0.49
Graham Number27.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.37% | ||
| ROE | 16.59% | ||
| ROCE | 7.17% | ||
| ROIC | 5.18% | ||
| ROICexc | 5.45% | ||
| ROICexgc | 5.97% | ||
| OM | 20.93% | ||
| PM (TTM) | 13.56% | ||
| GM | N/A | ||
| FCFM | 7.37% |
ROA(3y)3.34%
ROA(5y)2.84%
ROE(3y)12.55%
ROE(5y)10.37%
ROIC(3y)3.9%
ROIC(5y)3.29%
ROICexc(3y)4.11%
ROICexc(5y)3.51%
ROICexgc(3y)4.44%
ROICexgc(5y)3.83%
ROCE(3y)5.4%
ROCE(5y)4.56%
ROICexgc growth 3Y4.54%
ROICexgc growth 5Y10.63%
ROICexc growth 3Y4.43%
ROICexc growth 5Y11.46%
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
F-Score4
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.59 | ||
| Debt/EBITDA | 5.76 | ||
| Cap/Depr | 71.36% | ||
| Cap/Sales | 1.04% | ||
| Interest Coverage | 13.62 | ||
| Cash Conversion | 37.56% | ||
| Profit Quality | 54.34% | ||
| Current Ratio | 7.19 | ||
| Quick Ratio | 7.19 | ||
| Altman-Z | 1.42 |
F-Score4
WACC4.6%
ROIC/WACC1.13
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)-7.77%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-20.84%
EPS Next Y-8.13%
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%-0.99%
Revenue Next Year3.55%
Revenue Next 2Y3.85%
Revenue Next 3Y3.94%
Revenue Next 5YN/A
EBIT growth 1Y-5.45%
EBIT growth 3Y9.68%
EBIT growth 5Y12.95%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-21.76%
FCF growth 3Y1.78%
FCF growth 5Y6.95%
OCF growth 1Y-17.35%
OCF growth 3Y2.62%
OCF growth 5Y7.36%
COFACE SA / COFA.PA FAQ
What is the fundamental rating for COFA stock?
ChartMill assigns a fundamental rating of 6 / 10 to COFA.PA.
What is the valuation status for COFA stock?
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 8 / 10.
Can you provide the financial health for COFA stock?
The financial health rating of COFACE SA (COFA.PA) is 5 / 10.
What is the expected EPS growth for COFACE SA (COFA.PA) stock?
The Earnings per Share (EPS) of COFACE SA (COFA.PA) is expected to decline by -8.13% in the next year.