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 32 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.
In the past 5 years COFA has always been profitable.
In the past 5 years COFA always reported a positive cash flow from operatings.
1.2 Ratios
COFA's Return On Assets of 4.89% is amongst the best of the industry. COFA outperforms 93.75% of its industry peers.
COFA's Return On Equity of 18.00% is fine compared to the rest of the industry. COFA outperforms 78.13% of its industry peers.
COFA's Return On Invested Capital of 5.62% is amongst the best of the industry. COFA outperforms 96.88% 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
The Profit Margin of COFA (15.31%) is better than 87.50% of its industry peers.
In the last couple of years the Profit Margin of COFA has grown nicely.
The Operating Margin of COFA (23.15%) is better than 90.63% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), COFA is destroying value.
The number of shares outstanding for COFA has been reduced compared to 5 years ago.
2.2 Solvency
COFA has an Altman-Z score of 1.48. This is a bad value and indicates that COFA is not financially healthy and even has some risk of bankruptcy.
COFA has a Altman-Z score of 1.48. This is amongst the best in the industry. COFA outperforms 96.88% 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 68.75% 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 has a worse Debt to Equity ratio (1.48) than 84.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 9.95 | ||
| Altman-Z | 1.48 |
ROIC/WACC0.92
WACC6.09%
2.3 Liquidity
A Current Ratio of 8.43 indicates that COFA has no problem at all paying its short term obligations.
The Current ratio of COFA (8.43) is better than 96.88% 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 96.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.43 | ||
| Quick Ratio | 8.43 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.87% over the past 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 1.28% in the past year.
The Revenue has been growing slightly by 6.17% on average over the past years.
EPS 1Y (TTM)8.87%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%6.21%
Revenue 1Y (TTM)1.28%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%6.77%
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.
COFA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.84% yearly.
EPS Next Y-2.21%
EPS Next 2Y-0.82%
EPS Next 3Y1.58%
EPS Next 5Y-2.06%
Revenue Next Year3.93%
Revenue Next 2Y3.9%
Revenue Next 3Y4.84%
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
With a Price/Earnings ratio of 6.53, the valuation of COFA can be described as very cheap.
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.
COFA is valuated cheaply when we compare the Price/Earnings ratio to 24.12, which is the current average of the S&P500 Index.
COFA is valuated reasonably with a Price/Forward Earnings ratio of 9.94.
Based on the Price/Forward Earnings ratio, COFA is valued a bit cheaper than 75.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.42. COFA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.53 | ||
| Fwd PE | 9.94 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than 71.88% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of COFA is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.96 | ||
| EV/EBITDA | 8.42 |
4.3 Compensation for Growth
The decent profitability rating of COFA may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.52
EPS Next 2Y-0.82%
EPS Next 3Y1.58%
5. Dividend
5.1 Amount
COFA has a Yearly Dividend Yield of 7.77%, which is a nice return.
COFA's Dividend Yield is rather good when compared to the industry average which is at 4.68. COFA pays more dividend than 96.88% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.77% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
COFA pays out 49.20% of its income as dividend. 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 (5/9/2025, 5:29:58 PM)
17.31
-0.03 (-0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.52%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap2.60B
Analysts80
Price Target17.36 (0.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.77% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP49.2%
Div Incr Years2
Div Non Decr Years2
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)2.53%
PT rev (3m)3.4%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.61%
EPS NY rev (3m)4.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.19%
Revenue NY rev (3m)1.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.53 | ||
| Fwd PE | 9.94 | ||
| P/S | 1.01 | ||
| P/FCF | 7.96 | ||
| P/OCF | 7.36 | ||
| P/B | 1.19 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | 8.42 |
EPS(TTM)2.65
EY15.31%
EPS(NY)1.74
Fwd EY10.06%
FCF(TTM)2.18
FCFY12.57%
OCF(TTM)2.35
OCFY13.59%
SpS17.18
BVpS14.61
TBVpS13.01
PEG (NY)N/A
PEG (5Y)0.52
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 | 1.48 |
F-ScoreN/A
WACC6.09%
ROIC/WACC0.92
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)8.87%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%6.21%
EPS Next Y-2.21%
EPS Next 2Y-0.82%
EPS Next 3Y1.58%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)1.28%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%6.77%
Revenue Next Year3.93%
Revenue Next 2Y3.9%
Revenue Next 3Y4.84%
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%