COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:COFA - FR0010667147 - Common Stock
15.06 EUR
+0.23 (+1.55%)
Overall COFA gets a fundamental rating of 6 out of 10. We evaluated COFA against 47 industry peers in the Insurance industry. COFA scores excellent on profitability, but 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.
1. Profitability
1.1 Basic Checks
In the past year COFA was profitable.
COFA had a positive operating cash flow in the past year.
In the past 5 years COFA has always 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 (4.37%) than 95.74% of its industry peers.
COFA's Return On Equity of 16.59% is fine compared to the rest of the industry. COFA outperforms 68.09% of its industry peers.
The Return On Invested Capital of COFA (5.18%) is better than 97.87% 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 2.11%.
The last Return On Invested Capital (5.18%) for COFA is above the 3 year average (3.90%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.37% | ||
| ROE | 16.59% | ||
| ROIC | 5.18% |
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
COFA has a better Profit Margin (13.56%) than 82.98% of its industry peers.
In the last couple of years the Profit Margin of COFA has grown nicely.
COFA's Operating Margin of 20.93% is amongst the best of the industry. COFA outperforms 85.11% of its industry peers.
COFA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
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.
COFA has more shares outstanding than it did 1 year ago.
The number of shares outstanding for COFA has been reduced compared to 5 years ago.
Compared to 1 year ago, COFA has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.42, we must say that COFA is in the distress zone and has some risk of bankruptcy.
COFA's Altman-Z score of 1.42 is amongst the best of the industry. COFA outperforms 97.87% of its industry peers.
The Debt to FCF ratio of COFA is 17.59, which is on the high side as it means it would take COFA, 17.59 years of fcf income to pay off all of its debts.
COFA has a Debt to FCF ratio of 17.59. This is in the lower half of the industry: COFA underperforms 61.70% of its industry peers.
COFA has a Debt/Equity ratio of 1.58. This is a high value indicating a heavy dependency on external financing.
COFA's Debt to Equity ratio of 1.58 is on the low side compared to the rest of the industry. COFA is outperformed by 78.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.59 | ||
| Altman-Z | 1.42 |
ROIC/WACC1.13
WACC4.58%
2.3 Liquidity
COFA has a Current Ratio of 7.19. This indicates that COFA is financially healthy and has no problem in meeting its short term obligations.
COFA has a better Current ratio (7.19) than 95.74% of its industry peers.
A Quick Ratio of 7.19 indicates that COFA has no problem at all paying its short term obligations.
The Quick ratio of COFA (7.19) is better than 95.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 7.19 | ||
| Quick Ratio | 7.19 |
3. Growth
3.1 Past
COFA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.77%.
COFA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.53% yearly.
COFA shows a small growth in Revenue. In the last year, the Revenue has grown by 4.37%.
The Revenue has been growing slightly by 6.17% on average over the past years.
EPS 1Y (TTM)-7.77%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-20.84%
Revenue 1Y (TTM)4.37%
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.
The Revenue is expected to grow by 3.94% on average over the next years.
EPS Next Y-8.13%
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
EPS Next 5Y-2.06%
Revenue Next Year3.55%
Revenue Next 2Y3.85%
Revenue Next 3Y3.94%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
With a Price/Earnings ratio of 6.28, 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 95.74% of the companies listed in the same industry.
COFA is valuated cheaply when we compare the Price/Earnings ratio to 25.65, which is the current average of the S&P500 Index.
COFA is valuated reasonably with a Price/Forward Earnings ratio of 8.83.
COFA's Price/Forward Earnings ratio is rather cheap when compared to the industry. COFA is cheaper than 82.98% of the companies in the same industry.
COFA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.28 | ||
| Fwd PE | 8.83 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than 72.34% 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 | 11.65 | ||
| EV/EBITDA | 8.93 |
4.3 Compensation for Growth
COFA has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.5
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.45%, COFA is a good candidate for dividend investing.
COFA's Dividend Yield is rather good when compared to the industry average which is at 4.53. COFA pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.45% |
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
5.3 Sustainability
COFA pays out 58.62% 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.
DP58.62%
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
EPA:COFA (11/25/2025, 5:29:22 PM)
15.06
+0.23 (+1.55%)
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 Cap2.26B
Revenue(TTM)2.63B
Net Income(TTM)357.19M
Analysts78.18
Price Target18.2 (20.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.45% |
Yearly Dividend1.3
Dividend Growth(5Y)30.56%
DP58.62%
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)-2.09%
PT rev (3m)-2.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.5%
EPS NY rev (3m)-6.06%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.28 | ||
| Fwd PE | 8.83 | ||
| P/S | 0.86 | ||
| P/FCF | 11.65 | ||
| P/OCF | 10.21 | ||
| P/B | 1.05 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | 8.93 |
EPS(TTM)2.4
EY15.94%
EPS(NY)1.71
Fwd EY11.32%
FCF(TTM)1.29
FCFY8.58%
OCF(TTM)1.47
OCFY9.79%
SpS17.54
BVpS14.34
TBVpS12.74
PEG (NY)N/A
PEG (5Y)0.5
Graham Number27.83
Profitability
| Industry Rank | Sector 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 | 7.37% |
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 Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.59 | ||
| Debt/EBITDA | 5.76 | ||
| Cap/Depr | 71.36% | ||
| Cap/Sales | 1.04% | ||
| Interest Coverage | 13.62 | ||
| Cash Conversion | 37.56% | ||
| Profit Quality | 54.34% | ||
| Current Ratio | 7.19 | ||
| Quick Ratio | 7.19 | ||
| Altman-Z | 1.42 |
F-Score4
WACC4.58%
ROIC/WACC1.13
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)-7.77%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-20.84%
EPS Next Y-8.13%
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%-0.99%
Revenue Next Year3.55%
Revenue Next 2Y3.85%
Revenue Next 3Y3.94%
Revenue Next 5YN/A
EBIT growth 1Y-5.45%
EBIT growth 3Y9.68%
EBIT growth 5Y12.95%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-21.76%
FCF growth 3Y1.78%
FCF growth 5Y6.95%
OCF growth 1Y-17.35%
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 -8.13% in the next year.