COFACE SA (COFA.PA) Stock Fundamental Analysis
EPA:COFA - Euronext Paris - Matif - FR0010667147 - Common Stock - Currency: EUR
We assign a fundamental rating of 5 out of 10 to COFA. COFA was compared to 40 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 quite cheap, but it does not seem to be growing.
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.
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
COFA's Return On Assets of 4.89% is amongst the best of the industry. COFA outperforms 95.00% of its industry peers.
Looking at the Return On Equity, with a value of 18.00%, COFA belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.
COFA has a better Return On Invested Capital (5.62%) than 97.50% of its industry peers.
| 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
COFA has a Profit Margin of 15.31%. This is amongst the best in the industry. COFA outperforms 87.50% of its industry peers.
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 90.00% 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.
Compared to 5 years ago, COFA has less shares outstanding
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 97.50% 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's Debt to FCF ratio of 9.95 is on the low side compared to the rest of the industry. COFA is outperformed by 67.50% 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.
COFA's Debt to Equity ratio of 1.48 is on the low side compared to the rest of the industry. COFA is outperformed by 90.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 9.95 | ||
| Altman-Z | 1.47 |
ROIC/WACC0.98
WACC5.75%
2.3 Liquidity
A Current Ratio of 8.43 indicates that COFA has no problem at all paying its short term obligations.
The Current ratio of COFA (8.43) is better than 97.50% of its industry peers.
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.
COFA's Quick ratio of 8.43 is amongst the best of the industry. COFA outperforms 97.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.43 | ||
| Quick Ratio | 8.43 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 5.17% over the past year.
COFA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.53% yearly.
Looking at the last year, COFA shows a small growth in Revenue. The Revenue has grown by 2.40% in the last 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)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.
The Revenue is expected to grow by 4.40% on average over the next years.
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
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
A Price/Earnings ratio of 6.26 indicates a rather cheap valuation of COFA.
Based on the Price/Earnings ratio, COFA is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.92. COFA is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.33, which indicates a very decent valuation of COFA.
80.00% of the companies in the same industry are more expensive than COFA, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of COFA to the average of the S&P500 Index (21.49), we can say COFA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.26 | ||
| Fwd PE | 9.33 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, COFA is valued cheaply inside the industry as 82.50% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of COFA indicates a somewhat cheap valuation: COFA is cheaper than 72.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.51 | ||
| EV/EBITDA | 8.15 |
4.3 Compensation for Growth
The decent profitability rating of COFA 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 8.83%, which is a nice return.
Compared to an average industry Dividend Yield of 4.54, COFA pays a better dividend. On top of this COFA pays more dividend than 97.50% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.83% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
COFA pays out 49.20% of its income as dividend. 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 (6/27/2025, 7:00:00 PM)
16.34
+0.16 (+0.99%)
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 Cap2.45B
Analysts78.18
Price Target18.63 (14.01%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.83% |
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)1.11%
PT rev (3m)10%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)4.5%
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 | 6.26 | ||
| Fwd PE | 9.33 | ||
| P/S | 0.95 | ||
| P/FCF | 7.51 | ||
| P/OCF | 6.94 | ||
| P/B | 1.12 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | 8.15 |
EPS(TTM)2.61
EY15.97%
EPS(NY)1.75
Fwd EY10.72%
FCF(TTM)2.18
FCFY13.31%
OCF(TTM)2.35
OCFY14.4%
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
WACC5.75%
ROIC/WACC0.98
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%