COFACE SA (COFA.PA) Stock Fundamental Analysis
EPA:COFA - Euronext Paris - Matif - FR0010667147 - Common Stock - Currency: EUR
Taking everything into account, COFA scores 5 out of 10 in our fundamental rating. COFA was compared to 959 industry peers in the Insurance industry. COFA scores excellent on profitability, 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.
COFA had positive earnings in each of the past 5 years.
In the past 5 years COFA always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.89%, COFA belongs to the top of the industry, outperforming 94.74% of the companies in the same industry.
Looking at the Return On Equity, with a value of 18.00%, COFA belongs to the top of the industry, outperforming 81.58% of the companies in the same industry.
With an excellent Return On Invested Capital value of 5.62%, COFA belongs to the best of the industry, outperforming 97.37% 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
With an excellent Profit Margin value of 15.31%, COFA belongs to the best of the industry, outperforming 89.47% of the companies in the same industry.
In the last couple of years the Profit Margin of COFA has grown nicely.
COFA has a better Operating Margin (23.15%) than 89.47% of its industry peers.
COFA's Operating Margin has improved in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so COFA is destroying value.
COFA has less shares outstanding than it did 5 years ago.
2.2 Solvency
Based on the Altman-Z score of 1.47, we must say that COFA is in the distress zone and has some risk of bankruptcy.
COFA has a better Altman-Z score (1.47) than 97.37% of its industry peers.
The Debt to FCF ratio of COFA is 9.95, which is on the high side as it means it would take COFA, 9.95 years of fcf income to pay off all of its debts.
COFA has a worse Debt to FCF ratio (9.95) than 63.16% 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 84.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 9.95 | ||
| Altman-Z | 1.47 |
ROIC/WACC0.73
WACC7.7%
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.
With an excellent Current ratio value of 8.43, COFA belongs to the best of the industry, outperforming 97.37% of the companies in the same industry.
A Quick Ratio of 8.43 indicates that COFA has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 8.43, COFA belongs to the best of the industry, outperforming 97.37% 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%.
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 2.40% in the past year.
COFA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.17% yearly.
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.
COFA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.40% yearly.
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 6.32 indicates a rather cheap valuation of COFA.
COFA's Price/Earnings ratio is rather cheap when compared to the industry. COFA is cheaper than 100.00% of the companies in the same industry.
COFA is valuated cheaply when we compare the Price/Earnings ratio to 26.52, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.42, which indicates a very decent valuation of COFA.
Based on the Price/Forward Earnings ratio, COFA is valued cheaply inside the industry as 81.58% of the companies are valued more expensively.
COFA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.25, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.32 | ||
| Fwd PE | 9.42 |
4.2 Price Multiples
COFA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. COFA is cheaper than 78.95% of the companies in the same industry.
COFA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. COFA is cheaper than 71.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.59 | ||
| EV/EBITDA | 8.2 |
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
With a Yearly Dividend Yield of 8.53%, COFA is a good candidate for dividend investing.
COFA's Dividend Yield is rather good when compared to the industry average which is at 2.85. COFA pays more dividend than 97.37% of the companies in the same industry.
COFA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.53% |
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 (6/6/2025, 7:00:00 PM)
16.5
+0.08 (+0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.52%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap2.48B
Analysts80
Price Target18.42 (11.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.53% |
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)6.11%
PT rev (3m)9.72%
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)-0.56%
Revenue NY rev (3m)0.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.32 | ||
| Fwd PE | 9.42 | ||
| P/S | 0.96 | ||
| P/FCF | 7.59 | ||
| P/OCF | 7.01 | ||
| P/B | 1.13 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | 8.2 |
EPS(TTM)2.61
EY15.82%
EPS(NY)1.75
Fwd EY10.62%
FCF(TTM)2.18
FCFY13.18%
OCF(TTM)2.35
OCFY14.26%
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
WACC7.7%
ROIC/WACC0.73
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%