COFACE SA (COFA.PA) Stock Fundamental Analysis
EPA:COFA - FR0010667147 - Common Stock
15.6 EUR
+0.2 (+1.3%)
We assign a fundamental rating of 5 out of 10 to COFA. COFA was compared to 36 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 has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
COFA had positive earnings in the past year.
COFA had a positive operating cash flow in the past year.
Each year in the past 5 years COFA has been profitable.
Each year in the past 5 years COFA had a positive operating cash flow.
1.2 Ratios
COFA has a better Return On Assets (4.58%) than 97.22% of its industry peers.
COFA has a Return On Equity of 16.89%. This is in the better half of the industry: COFA outperforms 77.78% of its industry peers.
COFA has a Return On Invested Capital of 5.33%. This is amongst the best in the industry. COFA outperforms 97.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.58% | ||
| ROE | 16.89% | ||
| ROIC | 5.33% |
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
COFA's Profit Margin of 13.70% is amongst the best of the industry. COFA outperforms 83.33% of its industry peers.
COFA's Profit Margin has improved in the last couple of years.
COFA has a Operating Margin of 20.97%. This is amongst the best in the industry. COFA outperforms 86.11% of its industry peers.
In the last couple of years the Operating Margin of COFA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.97% | ||
| PM (TTM) | 13.7% | ||
| 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.
Compared to 5 years ago, COFA has less shares outstanding
2.2 Solvency
Based on the Altman-Z score of 1.46, we must say that COFA is in the distress zone and has some risk of bankruptcy.
COFA's Altman-Z score of 1.46 is amongst the best of the industry. COFA outperforms 97.22% of its industry peers.
The Debt to FCF ratio of COFA is 20.40, which is on the high side as it means it would take COFA, 20.40 years of fcf income to pay off all of its debts.
COFA's Debt to FCF ratio of 20.40 is on the low side compared to the rest of the industry. COFA is outperformed by 66.67% 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 86.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 20.4 | ||
| Altman-Z | 1.46 |
ROIC/WACC0.96
WACC5.55%
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 97.22% of its industry peers.
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 97.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.43 | ||
| Quick Ratio | 8.43 |
3. Growth
3.1 Past
The earnings per share for COFA have decreased by -3.39% in the last year.
The Earnings Per Share has been growing by 12.53% on average over the past years. This is quite good.
Looking at the last year, COFA shows a small growth in Revenue. The Revenue has grown by 7.27% in the last year.
The Revenue has been growing slightly by 6.17% on average over the past years.
EPS 1Y (TTM)-3.39%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-12.77%
Revenue 1Y (TTM)7.27%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%13.03%
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.
Based on estimates for the next years, COFA will show a small growth in Revenue. The Revenue will grow by 3.99% on average per year.
EPS Next Y-7.33%
EPS Next 2Y-2.03%
EPS Next 3Y0.49%
EPS Next 5Y-2.06%
Revenue Next Year3.61%
Revenue Next 2Y3.9%
Revenue Next 3Y3.99%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 6.29, the valuation of COFA can be described as very cheap.
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.
Compared to an average S&P500 Price/Earnings ratio of 27.03, COFA is valued rather cheaply.
COFA is valuated reasonably with a Price/Forward Earnings ratio of 9.13.
Based on the Price/Forward Earnings ratio, COFA is valued cheaply inside the industry as 80.56% of the companies are valued more expensively.
COFA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.63, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.29 | ||
| Fwd PE | 9.13 |
4.2 Price Multiples
COFA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. COFA is cheaper than 77.78% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as COFA.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.71 | ||
| EV/EBITDA | 8.34 |
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-2.03%
EPS Next 3Y0.49%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.68%, COFA is a good candidate for dividend investing.
COFA's Dividend Yield is rather good when compared to the industry average which is at 4.47. COFA pays more dividend than 97.22% of the companies in the same industry.
COFA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.68% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
56.42% of the earnings are spent on dividend by COFA. This is a bit on the high side, but may be sustainable.
DP56.42%
EPS Next 2Y-2.03%
EPS Next 3Y0.49%
EPA:COFA (9/4/2025, 7:00:00 PM)
15.6
+0.2 (+1.3%)
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 Cap2.34B
Analysts78.18
Price Target18.58 (19.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.68% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP56.42%
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)-0.22%
PT rev (3m)0.89%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-5.24%
EPS NY rev (3m)-5.24%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.29 | ||
| Fwd PE | 9.13 | ||
| P/S | 0.87 | ||
| P/FCF | 14.71 | ||
| P/OCF | 12.55 | ||
| P/B | 1.07 | ||
| P/tB | 1.2 | ||
| EV/EBITDA | 8.34 |
EPS(TTM)2.48
EY15.9%
EPS(NY)1.71
Fwd EY10.96%
FCF(TTM)1.06
FCFY6.8%
OCF(TTM)1.24
OCFY7.97%
SpS18.01
BVpS14.61
TBVpS13.01
PEG (NY)N/A
PEG (5Y)0.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.58% | ||
| ROE | 16.89% | ||
| ROCE | 7.38% | ||
| ROIC | 5.33% | ||
| ROICexc | 5.71% | ||
| ROICexgc | 6.26% | ||
| OM | 20.97% | ||
| PM (TTM) | 13.7% | ||
| GM | N/A | ||
| FCFM | 5.89% |
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 Turnover0.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 20.4 | ||
| Debt/EBITDA | 5.36 | ||
| Cap/Depr | 69.88% | ||
| Cap/Sales | 1.01% | ||
| Interest Coverage | 14 | ||
| Cash Conversion | 30.78% | ||
| Profit Quality | 42.98% | ||
| Current Ratio | 8.43 | ||
| Quick Ratio | 8.43 | ||
| Altman-Z | 1.46 |
F-ScoreN/A
WACC5.55%
ROIC/WACC0.96
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)-3.39%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-12.77%
EPS Next Y-7.33%
EPS Next 2Y-2.03%
EPS Next 3Y0.49%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)7.27%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%13.03%
Revenue Next Year3.61%
Revenue Next 2Y3.9%
Revenue Next 3Y3.99%
Revenue Next 5YN/A
EBIT growth 1Y-1.21%
EBIT growth 3Y9.21%
EBIT growth 5Y12.66%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-51.78%
FCF growth 3Y1.78%
FCF growth 5Y6.95%
OCF growth 1Y-47.68%
OCF growth 3Y2.62%
OCF growth 5Y7.36%