COFACE SA (COFA.PA) 12.87 +0.09 (+0.7%)
12.87 +0.09 (+0.7%)
FR0010667147 - Common Stock
Fundamental Rating
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.
Profitability
Profitability Rating
COFA's Return On Assets of 6.84% is amongst the best returns of the industry. COFA outperforms 100% of its industry peers. The industry average Return On Assets is 0.99%.
COFA has a Return On Equity of 29.47%. This is amongst the best returns in the industry. The industry average is 15.70%. COFA outperforms 100% of its industry peers.
COFA has a Profit Margin of 17.24%. This is amongst the best returns in the industry. The industry average is 5.83%. COFA outperforms 86% of its industry peers.
The Piotroski-F score of COFA is 6.00. This is a neutral score and indicates average health and profitability for COFA.
VS Industry
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
Valuation
Valuation Rating
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.
COFA's low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
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.
VS Industry
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
Growth
Growth Rating
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!
COFA is expected to show a decrease in Earnings Per Share. In the coming 5 years, the EPS will decrease by -6.63% yearly.
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 |
Health
Health Rating
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.
COFA has one of the better Altman-Z scores in its industry. It is much better than the industry average of 0.34. COFA has a better score than 100% of its industry peers.
COFA has a Current Ratio of 1.43. This is a normal value and indicates that COFA is financially healthy and should not expect problems in meeting its short term obligations.
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.
VS Industry
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
Dividend
Dividend Rating
COFA has a Yearly Dividend Yield of 11.98%, which is a nice return.
COFA's Dividend Yield is rather good when compared to the industry average which is at 5.89. COFA pays more dividend than 100% of the companies in the same industry.
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%!
38.77% of the earnings are spent on dividend by COFA. This is a low number and sustainable payout ratio.
COFA's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
VS Industry
Dividend Yield (11.98%) VS Industry: 100% outperformed.
3.45
11.98
COFACE SA12.87
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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