COFACE SA (COFA.PA) Stock Fundamental Analysis

Europe • Euronext Paris • EPA:COFA • FR0010667147

15.83 EUR
-0.28 (-1.74%)
Last: Feb 11, 2026, 11:03 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Overall COFA gets a fundamental rating of 5 out of 10. We evaluated COFA against 43 industry peers in the Insurance industry. While COFA belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. COFA is valued correctly, but it does not seem to be growing. COFA also has an excellent dividend rating. These ratings could make COFA a good candidate for dividend investing.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year COFA was profitable.
  • COFA had a positive operating cash flow in the past year.
  • 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.
COFA.PA Yearly Net Income VS EBIT VS OCF VS FCFCOFA.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 4.37%, COFA belongs to the top of the industry, outperforming 88.37% of the companies in the same industry.
  • With a Return On Equity value of 16.59%, COFA perfoms like the industry average, outperforming 55.81% of the companies in the same industry.
  • COFA's Return On Invested Capital of 5.18% is amongst the best of the industry. COFA outperforms 93.02% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for COFA is in line with the industry average of 2.92%.
  • The 3 year average ROIC (3.72%) for COFA is below the current ROIC(5.18%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.37%
ROE 16.59%
ROIC 5.18%
ROA(3y)3.15%
ROA(5y)2.72%
ROE(3y)11.85%
ROE(5y)9.95%
ROIC(3y)3.72%
ROIC(5y)3.19%
COFA.PA Yearly ROA, ROE, ROICCOFA.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • COFA has a Profit Margin of 13.56%. This is amongst the best in the industry. COFA outperforms 83.72% of its industry peers.
  • In the last couple of years the Profit Margin of COFA has grown nicely.
  • COFA has a Operating Margin of 20.93%. This is amongst the best in the industry. COFA outperforms 86.05% of its industry peers.
  • COFA's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 20.93%
PM (TTM) 13.56%
GM N/A
OM growth 3Y-1.74%
OM growth 5Y6.39%
PM growth 3Y-5.69%
PM growth 5Y5.69%
GM growth 3YN/A
GM growth 5YN/A
COFA.PA Yearly Profit, Operating, Gross MarginsCOFA.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • COFA has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • The number of shares outstanding for COFA has been increased compared to 1 year ago.
  • COFA has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for COFA has been reduced compared to a year ago.
COFA.PA Yearly Shares OutstandingCOFA.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
COFA.PA Yearly Total Debt VS Total AssetsCOFA.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

  • COFA has an Altman-Z score of 1.44. This is a bad value and indicates that COFA is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.44, COFA belongs to the top of the industry, outperforming 93.02% of the companies in the same industry.
  • The Debt to FCF ratio of COFA is 17.53, which is on the high side as it means it would take COFA, 17.53 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 17.53, COFA is not doing good in the industry: 74.42% of the companies in the same industry are doing better.
  • COFA has a Debt/Equity ratio of 1.58. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 1.58, COFA is doing worse than 88.37% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.58
Debt/FCF 17.53
Altman-Z 1.44
ROIC/WACC1.09
WACC4.74%
COFA.PA Yearly LT Debt VS Equity VS FCFCOFA.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 7.19 indicates that COFA has no problem at all paying its short term obligations.
  • COFA has a Current ratio of 7.19. This is amongst the best in the industry. COFA outperforms 95.35% of its industry peers.
  • COFA has a Quick Ratio of 7.19. This indicates that COFA is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Quick ratio value of 7.19, COFA belongs to the best of the industry, outperforming 95.35% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 7.19
Quick Ratio 7.19
COFA.PA Yearly Current Assets VS Current LiabilitesCOFA.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for COFA have decreased by -7.64% in the last year.
  • The Earnings Per Share has been growing by 12.53% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 4.35% in the past 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)-7.64%
EPS 3Y5.27%
EPS 5Y12.53%
EPS Q2Q%-20.45%
Revenue 1Y (TTM)4.35%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%-0.99%

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.
  • Based on estimates for the next years, COFA will show a small growth in Revenue. The Revenue will grow by 2.72% on average per year.
EPS Next Y-11.45%
EPS Next 2Y-4.93%
EPS Next 3Y-1.51%
EPS Next 5Y-2.06%
Revenue Next Year1.49%
Revenue Next 2Y2.13%
Revenue Next 3Y2.72%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
COFA.PA Yearly Revenue VS EstimatesCOFA.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
COFA.PA Yearly EPS VS EstimatesCOFA.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.60 indicates a rather cheap valuation of COFA.
  • Based on the Price/Earnings ratio, COFA is valued cheaply inside the industry as 93.02% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 28.03. COFA is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 9.83, the valuation of COFA can be described as reasonable.
  • 72.09% of the companies in the same industry are more expensive than COFA, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.97, COFA is valued rather cheaply.
Industry RankSector Rank
PE 6.6
Fwd PE 9.83
COFA.PA Price Earnings VS Forward Price EarningsCOFA.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than 67.44% of the companies in the same industry.
  • COFA's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.21
EV/EBITDA 9.26
COFA.PA Per share dataCOFA.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The decent profitability rating of COFA may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.53
EPS Next 2Y-4.93%
EPS Next 3Y-1.51%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 8.77%, COFA is a good candidate for dividend investing.
  • COFA's Dividend Yield is rather good when compared to the industry average which is at 4.23. COFA pays more dividend than 97.67% of the companies in the same industry.
  • COFA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 8.77%

5.2 History

  • The dividend of COFA is nicely growing with an annual growth rate of 30.56%!
Dividend Growth(5Y)30.56%
Div Incr Years1
Div Non Decr Years1
COFA.PA Yearly Dividends per shareCOFA.PA Yearly Dividends per shareYearly Dividends per share 2019 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 58.53% of the earnings are spent on dividend by COFA. This is a bit on the high side, but may be sustainable.
  • COFA's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP58.53%
EPS Next 2Y-4.93%
EPS Next 3Y-1.51%
COFA.PA Yearly Income VS Free CF VS DividendCOFA.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
COFA.PA Dividend Payout.COFA.PA Dividend Payout, showing the Payout Ratio.COFA.PA Dividend Payout.PayoutRetained Earnings

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COFACE SA

EPA:COFA (2/11/2026, 11:03:17 AM)

15.83

-0.28 (-1.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-03
Earnings (Next)02-19
Inst Owners62.5%
Inst Owner ChangeN/A
Ins Owners2.95%
Ins Owner ChangeN/A
Market Cap2.38B
Revenue(TTM)2.63B
Net Income(TTM)357.19M
Analysts78.18
Price Target18.03 (13.9%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.77%
Yearly Dividend1.3
Dividend Growth(5Y)30.56%
DP58.53%
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)-0.9%
PT rev (3m)-2.96%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.26%
EPS NY rev (3m)-4.09%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.05%
Valuation
Industry RankSector Rank
PE 6.6
Fwd PE 9.83
P/S 0.9
P/FCF 12.21
P/OCF 10.71
P/B 1.1
P/tB 1.24
EV/EBITDA 9.26
EPS(TTM)2.4
EY15.16%
EPS(NY)1.61
Fwd EY10.17%
FCF(TTM)1.3
FCFY8.19%
OCF(TTM)1.48
OCFY9.33%
SpS17.54
BVpS14.34
TBVpS12.74
PEG (NY)N/A
PEG (5Y)0.53
Graham Number27.83
Profitability
Industry RankSector Rank
ROA 4.37%
ROE 16.59%
ROCE 7.17%
ROIC 5.18%
ROICexc 5.45%
ROICexgc 5.97%
OM 20.93%
PM (TTM) 13.56%
GM N/A
FCFM 7.39%
ROA(3y)3.15%
ROA(5y)2.72%
ROE(3y)11.85%
ROE(5y)9.95%
ROIC(3y)3.72%
ROIC(5y)3.19%
ROICexc(3y)4%
ROICexc(5y)3.45%
ROICexgc(3y)4.4%
ROICexgc(5y)3.81%
ROCE(3y)5.15%
ROCE(5y)4.41%
ROICexgc growth 3Y4.54%
ROICexgc growth 5Y10.63%
ROICexc growth 3Y4.43%
ROICexc growth 5Y11.46%
OM growth 3Y-1.74%
OM growth 5Y6.39%
PM growth 3Y-5.69%
PM growth 5Y5.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.32
Health
Industry RankSector Rank
Debt/Equity 1.58
Debt/FCF 17.53
Debt/EBITDA 5.76
Cap/Depr 70.92%
Cap/Sales 1.03%
Interest Coverage 13.5
Cash Conversion 37.63%
Profit Quality 54.53%
Current Ratio 7.19
Quick Ratio 7.19
Altman-Z 1.44
F-Score4
WACC4.74%
ROIC/WACC1.09
Cap/Depr(3y)71.4%
Cap/Depr(5y)71.51%
Cap/Sales(3y)1.64%
Cap/Sales(5y)1.85%
Profit Quality(3y)137.64%
Profit Quality(5y)148.98%
High Growth Momentum
Growth
EPS 1Y (TTM)-7.64%
EPS 3Y5.27%
EPS 5Y12.53%
EPS Q2Q%-20.45%
EPS Next Y-11.45%
EPS Next 2Y-4.93%
EPS Next 3Y-1.51%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)4.35%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%-0.99%
Revenue Next Year1.49%
Revenue Next 2Y2.13%
Revenue Next 3Y2.72%
Revenue Next 5YN/A
EBIT growth 1Y-6.25%
EBIT growth 3Y9.68%
EBIT growth 5Y12.95%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-23.43%
FCF growth 3Y1.78%
FCF growth 5Y6.95%
OCF growth 1Y-19.23%
OCF growth 3Y2.62%
OCF growth 5Y7.36%

COFACE SA / COFA.PA FAQ

What is the fundamental rating for COFA stock?

ChartMill assigns a fundamental rating of 5 / 10 to COFA.PA.


Can you provide the valuation status for COFACE SA?

ChartMill assigns a valuation rating of 6 / 10 to COFACE SA (COFA.PA). This can be considered as Fairly Valued.


What is the profitability of COFA stock?

COFACE SA (COFA.PA) has a profitability rating of 7 / 10.


What is the earnings growth outlook for COFACE SA?

The Earnings per Share (EPS) of COFACE SA (COFA.PA) is expected to decline by -11.45% in the next year.


Is the dividend of COFACE SA sustainable?

The dividend rating of COFACE SA (COFA.PA) is 7 / 10 and the dividend payout ratio is 58.53%.