COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - EPA:COFA - FR0010667147 - Common Stock
15.28 EUR
-0.13 (-0.84%)
Taking everything into account, COFA scores 6 out of 10 in our fundamental rating. COFA was compared to 43 industry peers in the Insurance industry. COFA has an excellent profitability rating, but 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. Finally COFA also has an excellent dividend rating. With these ratings, COFA could be worth investigating further for dividend investing!.
1. Profitability
1.1 Basic Checks
In the past year COFA was profitable.
In the past year COFA had a positive cash flow from operations.
In the past 5 years COFA has always been profitable.
COFA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
COFA has a Return On Assets of 4.59%. This is amongst the best in the industry. COFA outperforms 97.67% of its industry peers.
COFA has a better Return On Equity (17.64%) than 79.07% of its industry peers.
The Return On Invested Capital of COFA (5.47%) is better than 97.67% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for COFA is in line with the industry average of 2.22%.
The last Return On Invested Capital (5.47%) for COFA is above the 3 year average (3.90%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.59% | ||
| ROE | 17.64% | ||
| ROIC | 5.47% |
ROA(3y)3.34%
ROA(5y)2.84%
ROE(3y)12.55%
ROE(5y)10.37%
ROIC(3y)3.9%
ROIC(5y)3.29%
1.3 Margins
The Profit Margin of COFA (14.03%) is better than 83.72% of its industry peers.
In the last couple of years the Profit Margin of COFA has grown nicely.
Looking at the Operating Margin, with a value of 21.75%, COFA belongs to the top of the industry, outperforming 88.37% of the companies in the same industry.
COFA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.75% | ||
| PM (TTM) | 14.03% | ||
| 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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), COFA is creating some value.
Compared to 1 year ago, COFA has more shares outstanding
The number of shares outstanding for COFA has been reduced compared to 5 years ago.
The debt/assets ratio for COFA has been reduced compared to a year ago.
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.
COFA's Altman-Z score of 1.44 is amongst the best of the industry. COFA outperforms 97.67% of its industry peers.
COFA has a debt to FCF ratio of 21.39. This is a negative value and a sign of low solvency as COFA would need 21.39 years to pay back of all of its debts.
The Debt to FCF ratio of COFA (21.39) is worse than 67.44% of its industry peers.
A Debt/Equity ratio of 1.61 is on the high side and indicates that COFA has dependencies on debt financing.
COFA's Debt to Equity ratio of 1.61 is on the low side compared to the rest of the industry. COFA is outperformed by 86.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.61 | ||
| Debt/FCF | 21.39 | ||
| Altman-Z | 1.44 |
ROIC/WACC1.19
WACC4.58%
2.3 Liquidity
A Current Ratio of 7.14 indicates that COFA has no problem at all paying its short term obligations.
COFA's Current ratio of 7.14 is amongst the best of the industry. COFA outperforms 97.67% of its industry peers.
A Quick Ratio of 7.14 indicates that COFA has no problem at all paying its short term obligations.
COFA has a Quick ratio of 7.14. This is amongst the best in the industry. COFA outperforms 97.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 7.14 | ||
| Quick Ratio | 7.14 |
3. Growth
3.1 Past
COFA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.12%.
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 4.62%.
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)-3.12%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-12.44%
Revenue 1Y (TTM)4.62%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%4.77%
3.2 Future
The Earnings Per Share is expected to decrease by -2.06% on average over the next years.
COFA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.99% yearly.
EPS Next Y-7.67%
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.
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
The Price/Earnings ratio is 6.14, which indicates a rather cheap valuation of COFA.
Based on the Price/Earnings ratio, COFA is valued cheaper than 100.00% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.10. COFA is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 8.94 indicates a reasonable valuation of COFA.
COFA's Price/Forward Earnings ratio is rather cheap when compared to the industry. COFA is cheaper than 81.40% of the companies in the same industry.
COFA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.52, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.14 | ||
| Fwd PE | 8.94 |
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.
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 | 14.41 | ||
| EV/EBITDA | 9.33 |
4.3 Compensation for Growth
COFA has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.49
EPS Next 2Y-2.03%
EPS Next 3Y0.49%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.09%, COFA is a good candidate for dividend investing.
COFA's Dividend Yield is rather good when compared to the industry average which is at 4.52. COFA pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.09% |
5.2 History
On average, the dividend of COFA grows each year by 30.56%, which is quite nice.
Dividend Growth(5Y)30.56%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
COFA pays out 56.57% of its income as dividend. 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.
DP56.57%
EPS Next 2Y-2.03%
EPS Next 3Y0.49%
EPA:COFA (10/31/2025, 7:00:00 PM)
15.28
-0.13 (-0.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners58.18%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap2.29B
Revenue(TTM)2.64B
Net Income(TTM)370.13M
Analysts78.18
Price Target18.58 (21.6%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.09% |
Yearly Dividend1.3
Dividend Growth(5Y)30.56%
DP56.57%
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)-0.22%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-5.59%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.14 | ||
| Fwd PE | 8.94 | ||
| P/S | 0.87 | ||
| P/FCF | 14.41 | ||
| P/OCF | 12.3 | ||
| P/B | 1.09 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | 9.33 |
EPS(TTM)2.49
EY16.3%
EPS(NY)1.71
Fwd EY11.19%
FCF(TTM)1.06
FCFY6.94%
OCF(TTM)1.24
OCFY8.13%
SpS17.57
BVpS13.97
TBVpS12.39
PEG (NY)N/A
PEG (5Y)0.49
Graham Number27.98
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.59% | ||
| ROE | 17.64% | ||
| ROCE | 7.57% | ||
| ROIC | 5.47% | ||
| ROICexc | 5.47% | ||
| ROICexgc | 5.64% | ||
| OM | 21.75% | ||
| PM (TTM) | 14.03% | ||
| GM | N/A | ||
| FCFM | 6.04% |
ROA(3y)3.34%
ROA(5y)2.84%
ROE(3y)12.55%
ROE(5y)10.37%
ROIC(3y)3.9%
ROIC(5y)3.29%
ROICexc(3y)4.11%
ROICexc(5y)3.51%
ROICexgc(3y)4.44%
ROICexgc(5y)3.83%
ROCE(3y)5.4%
ROCE(5y)4.56%
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 Turnover0.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.61 | ||
| Debt/FCF | 21.39 | ||
| Debt/EBITDA | 5.51 | ||
| Cap/Depr | 69.14% | ||
| Cap/Sales | 1.03% | ||
| Interest Coverage | 13.99 | ||
| Cash Conversion | 30.42% | ||
| Profit Quality | 43.03% | ||
| Current Ratio | 7.14 | ||
| Quick Ratio | 7.14 | ||
| Altman-Z | 1.44 |
F-Score4
WACC4.58%
ROIC/WACC1.19
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)-3.12%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-12.44%
EPS Next Y-7.67%
EPS Next 2Y-2.03%
EPS Next 3Y0.49%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)4.62%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%4.77%
Revenue Next Year3.61%
Revenue Next 2Y3.9%
Revenue Next 3Y3.99%
Revenue Next 5YN/A
EBIT growth 1Y0%
EBIT growth 3Y9.68%
EBIT growth 5Y12.95%
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-47.7%
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 6 / 10 to COFA.PA.
What is the valuation status for COFA stock?
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 8 / 10.
Can you provide the financial health for COFA stock?
The financial health rating of COFACE SA (COFA.PA) is 5 / 10.
What is the expected EPS growth for COFACE SA (COFA.PA) stock?
The Earnings per Share (EPS) of COFACE SA (COFA.PA) is expected to decline by -7.67% in the next year.