COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - EPA:COFA - FR0010667147 - Common Stock
14.82 EUR
-0.04 (-0.27%)
We assign a fundamental rating of 6 out of 10 to COFA. COFA was compared to 40 industry peers in the Insurance industry. COFA scores excellent on profitability, 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. This makes COFA very considerable 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.
COFA had positive earnings in each of the past 5 years.
COFA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
COFA has a Return On Assets of 4.37%. This is amongst the best in the industry. COFA outperforms 97.50% of its industry peers.
COFA's Return On Equity of 16.59% is fine compared to the rest of the industry. COFA outperforms 67.50% of its industry peers.
The Return On Invested Capital of COFA (5.18%) is better than 97.50% 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 2.35%.
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 Profit Margin of 13.56%. This is amongst the best in the industry. COFA outperforms 82.50% of its industry peers.
COFA's Profit Margin has improved in the last couple of years.
COFA has a better Operating Margin (20.93%) than 85.00% of its industry peers.
In the last couple of years the Operating Margin of COFA has grown nicely.
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), COFA is creating some value.
COFA has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, COFA has less shares outstanding
The debt/assets ratio for COFA has been reduced compared to a year ago.
2.2 Solvency
COFA has an Altman-Z score of 1.42. This is a bad value and indicates that COFA is not financially healthy and even has some risk of bankruptcy.
With an excellent Altman-Z score value of 1.42, COFA belongs to the best of the industry, outperforming 95.00% of the companies in the same industry.
COFA has a debt to FCF ratio of 17.59. This is a negative value and a sign of low solvency as COFA would need 17.59 years to pay back of all of its debts.
COFA has a worse Debt to FCF ratio (17.59) than 62.50% 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.
With a Debt to Equity ratio value of 1.58, COFA is not doing good in the industry: 85.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.59 | ||
| Altman-Z | 1.42 |
ROIC/WACC1.22
WACC4.26%
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.
The Current ratio of COFA (7.19) is better than 97.50% 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.
The Quick ratio of COFA (7.19) is better than 97.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 7.19 | ||
| Quick Ratio | 7.19 |
3. Growth
3.1 Past
The earnings per share for COFA have decreased by -7.77% in the last year.
COFA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.53% yearly.
Looking at the last year, COFA shows a small growth in Revenue. The Revenue has grown by 4.37% in the last 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)-7.77%
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
The Earnings Per Share is expected to decrease by -2.06% on average over the next years.
Based on estimates for the next years, COFA will show a small growth in Revenue. The Revenue will grow by 3.94% on average per year.
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
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
COFA is valuated cheaply with a Price/Earnings ratio of 6.18.
Based on the Price/Earnings ratio, COFA is valued cheaper than 95.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of COFA to the average of the S&P500 Index (25.07), we can say COFA is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.69, the valuation of COFA can be described as reasonable.
80.00% of the companies in the same industry are more expensive than COFA, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 34.08. COFA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.18 | ||
| Fwd PE | 8.69 |
4.2 Price Multiples
COFA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. COFA is cheaper than 65.00% of the companies in the same industry.
COFA's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.47 | ||
| EV/EBITDA | 8.94 |
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-2.14%
EPS Next 3Y0.46%
5. Dividend
5.1 Amount
COFA has a Yearly Dividend Yield of 9.36%, which is a nice return.
COFA's Dividend Yield is rather good when compared to the industry average which is at 4.50. COFA pays more dividend than 100.00% of the companies in the same industry.
COFA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.36% |
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.
The Dividend Rate of COFA has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP58.62%
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
EPA:COFA (11/20/2025, 7:00:00 PM)
14.82
-0.04 (-0.27%)
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 Cap2.23B
Revenue(TTM)2.63B
Net Income(TTM)357.19M
Analysts78.18
Price Target18.58 (25.37%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.36% |
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)0%
PT rev (3m)0%
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 | 6.18 | ||
| Fwd PE | 8.69 | ||
| P/S | 0.85 | ||
| P/FCF | 11.47 | ||
| P/OCF | 10.05 | ||
| P/B | 1.03 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | 8.94 |
EPS(TTM)2.4
EY16.19%
EPS(NY)1.71
Fwd EY11.51%
FCF(TTM)1.29
FCFY8.72%
OCF(TTM)1.47
OCFY9.95%
SpS17.54
BVpS14.34
TBVpS12.74
PEG (NY)N/A
PEG (5Y)0.49
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
WACC4.26%
ROIC/WACC1.22
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.