**FR0010667147 - Common Stock **

Overall **COFA** gets a fundamental rating of **7** out of 10. We evaluated **COFA** against 19 industry peers in the **Insurance** industry. **COFA** has a great profitability rating, but there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on **COFA**.

The Piotroski-F score of **COFA** is **6.00**. This is a neutral score and indicates average health and profitability for **COFA**.

ROA (6.84%) VS Industry: 100% outperformed.

0.20

6.84

ROE (29.47%) VS Industry: 100% outperformed.

2.40

29.47

Profit Margin (17.24%) VS Industry: 86% outperformed.

2.42

27.91

The **Price/Earnings Ratio** is **3.32**, which indicates a rather cheap valuation of **COFA**.

Compared to an average industry **Price/Earning Ratio** of **9.44**, **COFA** is valued rather cheaply. On top of this **COFA** is cheaper than 100% of the companies listed in the same industry.

With a **Forward Price/Earnings Ratio** of **8.62**, the valuation of **COFA** can be described as very reasonable.

When comparing the current price to the book value of **COFA**, it is valued rather cheaply. It is trading at **0.98** times its book value.

When comparing the **Enterprise Value to EBITDA** ratio of **COFA** to the average industry ratio of 5.56, **COFA** is valued rather cheaply. **COFA** is also cheaper than **100%** of the companies listed in the same industry.

Compared to an average industry price book ratio of 1.08, **COFA** is valued in line with its industry peers.

Price/Earnings (3.32) VS Industry: 100% outperformed.

24.15

3.32

Price/Book (0.98) VS Industry: 55% outperformed.

3.99

0.42

Enterprise Value/ EBITDA (3.07) VS Industry: 100% outperformed.

67.66

3.07

The **Earnings Per Share** has grown by an impressive **66.00%** over the past year.

Measured over the past 5 years, **COFA** shows a very strong growth in **Earnings Per Share**. The EPS has been growing by **29.05%** on average per year.

The **Revenue** has grown by **72.36%** in the past year. This is a very strong growth!

The **Revenue** has been growing slightly by **7.23%** on average over the past 5 years.

Based on estimates for the next 5 years, **COFA** will show a small growth in **Revenue**. The Revenue will grow by **5.40%** on average per year.

The EPS growth is decreasing: in the next 5 years the growth will be less than in the last years.

The Revenue growth is decreasing: in the next 5 years the growth will be less than in the last years.

Past | Future | ||||||
---|---|---|---|---|---|---|---|

5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |

EPS | 29.05% | 25.08% | 66% | -18.12% | -10.07% | -4.8% | -6.63% |

Revenue | 7.23% | 9.55% | 72.36% | 6.1% | 5.22% | 5.4% | N/A |

When comparing the Current Ratio to an average industry Current Ratio of **0.93**, **COFA** is better placed than the average industry peer to meet its short term obligations.

The Quick Ratio of **COFA** is much better than the industry average of **0.93**.

A Quick Ratio of **1.43** indicates that **COFA** should not have too much problems paying its short term obligations.

The Piotroski-F score of **COFA** is **6.00**. This is a neutral score and indicates average health and profitability for **COFA**.

When comparing the Debt to Equity Ratio of **COFA** to the average industry Debt to Equity Ratio of **0.47**, **COFA** required more debt to finance its operations than its industry peers.

Based on the Altman-Z score of **1.21**, we must say that **COFA** is in the distress zone and has some risk of bankruptcy.

Debt/Equity (0.68) VS Industry: 22% outperformed.

1.55

0.13

Quick Ratio (1.43) VS Industry: 75% outperformed.

0.14

89.12

Current Ratio (1.43) VS Industry: 75% outperformed.

0.14

89.12

Altman-Z (1.21) VS Industry: 100% outperformed.

0.14

1.21

Compared to an average S&P500 **Dividend Yield** of **2.60**, **COFA** pays a better dividend.

The dividend of **COFA** is nicely growing with an annual growth rate of **23.83%**!

Dividend Yield (11.98%) VS Industry: 100% outperformed.

3.45

11.98

EPA:COFA (3/29/2023, 9:53:04 AM)**+0.09 (+0.7%) **

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)N/A N/A

Earnings (Next)N/A N/A

Inst OwnersN/A

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap1.92B

Analysts80

Price Target15.06 (17.02%)

Dividend

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 11.98% |

Dividend Growth(5Y)23.83%

DP38.77%

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

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

PT rev (1m)5.88%

PT rev (3m)5.88%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)7.65%

EPS NY rev (3m)7.65%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)1.6%

Revenue NY rev (3m)1.6%

Valuation

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 3.32 | ||

Fwd PE | 8.62 | ||

P/S | 0.57 | ||

P/FCF | 4.61 | ||

P/OCF | 4.28 | ||

P/B | 0.98 | ||

P/tB | 1.12 | ||

EV/EBITDA | 3.07 |

EPS(TTM)3.88

EY30.15%

EPS(NY)1.49

Fwd EY11.6%

FCF(TTM)2.79

FCFY21.7%

OCF(TTM)3.01

OCFY23.38%

SpS22.45

BVpS13.13

TBVpS11.53

PEG (NY)N/A

PEG (5Y)0.11

Profitability

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 6.84% | ||

ROE | 29.47% | ||

ROIC | 10.14% | ||

ROICexc | 11.13% | ||

ROICexgc | 12.84% | ||

OM | 25.08% | ||

PM | 17.24% | ||

GM | N/A |

ROICexgc(3y)4.56%

ROICexcg growth 3Y17.37%

ROICexcg growth 5Y16.99%

ROICexc(3y)3.88%

ROICexc growth 3Y18.52%

ROICexc growth 5Y17.43%

OM growth 3Y11.78%

OM growth 5Y12.64%

PM growth 3Y13.64%

PM growth 5Y19.13%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.4

Health

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.68 | ||

Debt/FCF | 3.21 | ||

Debt/EBITDA | 1.53 | ||

Cap/Depr | 85.24% | ||

Profit Quality | 72.16% | ||

Current Ratio | 1.43 | ||

Quick Ratio | 1.43 | ||

Altman-Z | 1.21 |

F-Score6

WACC6.18%

ROIC/WACC2.08

Cap/Depr(3y)76.2%

Cap/Depr(5y)N/A

Profit Quality(3y)159.75%

Profit Quality(5y)144.71%

Growth

EPS 1Y66%

EPS 3Y25.08%

EPS 5Y29.05%

EPS growth Q2Q180.83%

EPS Next Y-18.12%

EPS Next 2Y-10.07%

EPS Next 3Y-4.8%

EPS Next 5Y-6.63%

Revenue growth 1Y72.36%

Revenue growth 3Y9.55%

Revenue growth 5Y7.23%

Revenue growth Q2Q143.55%

Revenue Next Year6.1%

Revenue Next 2Y5.22%

Revenue Next 3Y5.4%

Revenue Next 5YN/A

EBIT growth 1Y72.56%

EBIT growth 3Y22.46%

EBIT growth 5Y20.78%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y34.59%

FCF growth 3Y21.34%

FCF growth 5Y16.7%

OCF growth 1Y37.38%

OCF growth 3Y21.95%

OCF growth 5Y16.34%

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