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 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 quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year COFA was profitable.
COFA had a positive operating cash flow in the past year.
Each year in the past 5 years COFA has been profitable.
COFA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of COFA (4.89%) is better than 94.74% of its industry peers.
COFA has a better Return On Equity (18.00%) than 84.21% of its industry peers.
The Return On Invested Capital of COFA (5.62%) is better than 97.37% 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
With an excellent Profit Margin value of 15.31%, COFA belongs to the best of the industry, outperforming 81.58% of the companies in the same industry.
COFA's Profit Margin has improved in the last couple of years.
COFA has a better Operating Margin (23.15%) than 86.84% 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.
COFA has less shares outstanding than it did 5 years ago.
2.2 Solvency
COFA has an Altman-Z score of 1.46. This is a bad value and indicates that COFA is not financially healthy and even has some risk of bankruptcy.
COFA has a better Altman-Z score (1.46) than 97.37% 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 Debt to FCF ratio of 9.95. This is in the lower half of the industry: COFA underperforms 68.42% 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 89.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 9.95 | ||
| Altman-Z | 1.46 |
ROIC/WACC0.99
WACC5.7%
2.3 Liquidity
A Current Ratio of 8.43 indicates that COFA has no problem at all paying its short term obligations.
COFA has a better Current ratio (8.43) than 97.37% 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.
The Quick ratio of COFA (8.43) is better than 97.37% of its industry peers.
| 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%.
The Earnings Per Share has been growing by 12.53% on average over the past years. This is quite good.
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
COFA is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.06% yearly.
COFA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.96% yearly.
EPS Next Y-2.21%
EPS Next 2Y-0.82%
EPS Next 3Y1.58%
EPS Next 5Y-2.06%
Revenue Next Year3.82%
Revenue Next 2Y3.9%
Revenue Next 3Y3.96%
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
COFA is valuated cheaply with a Price/Earnings ratio of 6.11.
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 26.54, COFA is valued rather cheaply.
The Price/Forward Earnings ratio is 9.11, which indicates a very decent valuation of COFA.
Based on the Price/Forward Earnings ratio, COFA is valued cheaper than 81.58% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.28. COFA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.11 | ||
| Fwd PE | 9.11 |
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.
Based on the Price/Free Cash Flow ratio, COFA is valued a bit cheaper than the industry average as 68.42% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.34 | ||
| EV/EBITDA | 8.1 |
4.3 Compensation for Growth
The decent profitability rating of COFA may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.49
EPS Next 2Y-0.82%
EPS Next 3Y1.58%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.58%, COFA is a good candidate for dividend investing.
COFA's Dividend Yield is rather good when compared to the industry average which is at 4.36. COFA pays more dividend than 97.37% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.58% |
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 (8/8/2025, 11:29:35 AM)
15.96
-0.03 (-0.19%)
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 Cap2.40B
Analysts78.18
Price Target18.63 (16.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.58% |
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)7.29%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.46%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.11 | ||
| Fwd PE | 9.11 | ||
| P/S | 0.93 | ||
| P/FCF | 7.34 | ||
| P/OCF | 6.78 | ||
| P/B | 1.09 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | 8.1 |
EPS(TTM)2.61
EY16.35%
EPS(NY)1.75
Fwd EY10.98%
FCF(TTM)2.18
FCFY13.63%
OCF(TTM)2.35
OCFY14.74%
SpS17.18
BVpS14.61
TBVpS13.01
PEG (NY)N/A
PEG (5Y)0.49
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 | 1.46 |
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 Year3.82%
Revenue Next 2Y3.9%
Revenue Next 3Y3.96%
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%