COFACE SA (COFA.PA) Fundamental Analysis & Valuation
EPA:COFA • FR0010667147
Current stock price
15.75 EUR
-0.1 (-0.63%)
Last:
This COFA.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. COFA.PA Profitability Analysis
1.1 Basic Checks
- In the past year COFA was profitable.
- In the past year COFA had a positive cash flow from operations.
- Each year in the past 5 years COFA has been profitable.
- COFA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of COFA (4.16%) is better than 94.74% of its industry peers.
- Looking at the Return On Equity, with a value of 15.19%, COFA is in line with its industry, outperforming 50.00% of the companies in the same industry.
- COFA's Return On Invested Capital of 4.88% is amongst the best of the industry. COFA outperforms 97.37% 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 2.63%.
- The last Return On Invested Capital (4.88%) for COFA is above the 3 year average (3.68%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.16% | ||
| ROE | 15.19% | ||
| ROIC | 4.88% |
ROA(3y)3.01%
ROA(5y)3.05%
ROE(3y)11.22%
ROE(5y)11.12%
ROIC(3y)3.68%
ROIC(5y)3.62%
1.3 Margins
- The Profit Margin of COFA (13.16%) is better than 78.95% of its industry peers.
- COFA's Profit Margin has improved in the last couple of years.
- With an excellent Operating Margin value of 19.64%, COFA belongs to the best of the industry, outperforming 84.21% of the companies in the same industry.
- In the last couple of years the Operating Margin of COFA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.64% | ||
| PM (TTM) | 13.16% | ||
| GM | N/A |
OM growth 3Y-1.58%
OM growth 5Y9.47%
PM growth 3Y-2.65%
PM growth 5Y12.51%
GM growth 3YN/A
GM growth 5YN/A
2. COFA.PA Health Analysis
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 about the same amout of 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
- COFA has an Altman-Z score of 1.40. 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 1.40, COFA belongs to the best of the industry, outperforming 94.74% of the companies in the same industry.
- COFA has a debt to FCF ratio of 16.15. This is a negative value and a sign of low solvency as COFA would need 16.15 years to pay back of all of its debts.
- COFA's Debt to FCF ratio of 16.15 is on the low side compared to the rest of the industry. COFA is outperformed by 71.05% of its industry peers.
- COFA has a Debt/Equity ratio of 1.46. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 1.46, COFA is not doing good in the industry: 81.58% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.46 | ||
| Debt/FCF | 16.15 | ||
| Altman-Z | 1.4 |
ROIC/WACC1.01
WACC4.84%
2.3 Liquidity
- COFA has a Current Ratio of 6.63. This indicates that COFA is financially healthy and has no problem in meeting its short term obligations.
- COFA has a better Current ratio (6.63) than 94.74% of its industry peers.
- COFA has a Quick Ratio of 6.63. This indicates that COFA is financially healthy and has no problem in meeting its short term obligations.
- With an excellent Quick ratio value of 6.63, COFA belongs to the best of the industry, outperforming 94.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.63 | ||
| Quick Ratio | 6.63 |
3. COFA.PA Growth Analysis
3.1 Past
- COFA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.85%.
- COFA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.01% yearly.
- COFA shows a decrease in Revenue. In the last year, the revenue decreased by -1.00%.
- COFA shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.23% yearly.
EPS 1Y (TTM)-14.85%
EPS 3Y-2.61%
EPS 5Y22.01%
EPS Q2Q%-18.09%
Revenue 1Y (TTM)-1%
Revenue growth 3Y0.03%
Revenue growth 5Y8.23%
Sales Q2Q%-8.89%
3.2 Future
- Based on estimates for the next years, COFA will show a small growth in Earnings Per Share. The EPS will grow by 0.60% on average per year.
- Based on estimates for the next years, COFA will show a small growth in Revenue. The Revenue will grow by 4.67% on average per year.
EPS Next Y-0.91%
EPS Next 2Y3.14%
EPS Next 3Y5.82%
EPS Next 5Y0.6%
Revenue Next Year2.28%
Revenue Next 2Y3.41%
Revenue Next 3Y4.67%
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. COFA.PA Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 6.97, the valuation of COFA can be described as very cheap.
- 94.74% of the companies in the same industry are more expensive than COFA, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of COFA to the average of the S&P500 Index (26.51), we can say COFA is valued rather cheaply.
- A Price/Forward Earnings ratio of 10.15 indicates a reasonable valuation of COFA.
- Based on the Price/Forward Earnings ratio, COFA is valued a bit cheaper than 71.05% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 21.41, COFA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.97 | ||
| Fwd PE | 10.15 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than 68.42% of the companies in the same industry.
- COFA's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.79 | ||
| EV/EBITDA | 10.39 |
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)0.32
EPS Next 2Y3.14%
EPS Next 3Y5.82%
5. COFA.PA Dividend Analysis
5.1 Amount
- COFA has a Yearly Dividend Yield of 7.94%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.49, COFA pays a better dividend. On top of this COFA pays more dividend than 94.74% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.80, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.94% |
5.2 History
- On average, the dividend of COFA grows each year by 12.13%, which is quite nice.
Dividend Growth(5Y)12.13%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- COFA pays out 62.19% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of COFA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP62.19%
EPS Next 2Y3.14%
EPS Next 3Y5.82%
COFA.PA Fundamentals: All Metrics, Ratios and Statistics
EPA:COFA (4/30/2026, 7:00:00 PM)
15.75
-0.1 (-0.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength70.27
Industry Growth34.67
Earnings (Last)02-19 2026-02-19/amc
Earnings (Next)05-12 2026-05-12
Inst Owners67.05%
Inst Owner ChangeN/A
Ins Owners2.95%
Ins Owner ChangeN/A
Market Cap2.37B
Revenue(TTM)2.55B
Net Income(TTM)336.18M
Analysts78.18
Price Target18 (14.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.94% |
Yearly Dividend1.4
Dividend Growth(5Y)12.13%
DP62.19%
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)-0.51%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-3.55%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.97 | ||
| Fwd PE | 10.15 | ||
| P/S | 0.93 | ||
| P/FCF | 11.79 | ||
| P/OCF | 10.01 | ||
| P/B | 1.07 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | 10.39 |
EPS(TTM)2.26
EY14.35%
EPS(NY)1.55
Fwd EY9.86%
FCF(TTM)1.34
FCFY8.48%
OCF(TTM)1.57
OCFY9.99%
SpS17.01
BVpS14.74
TBVpS12.98
PEG (NY)N/A
PEG (5Y)0.32
Graham Number27.3735 (73.8%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.16% | ||
| ROE | 15.19% | ||
| ROCE | 6.61% | ||
| ROIC | 4.88% | ||
| ROICexc | 4.91% | ||
| ROICexgc | 5.38% | ||
| OM | 19.64% | ||
| PM (TTM) | 13.16% | ||
| GM | N/A | ||
| FCFM | 7.85% |
ROA(3y)3.01%
ROA(5y)3.05%
ROE(3y)11.22%
ROE(5y)11.12%
ROIC(3y)3.68%
ROIC(5y)3.62%
ROICexc(3y)3.87%
ROICexc(5y)3.88%
ROICexgc(3y)4.26%
ROICexgc(5y)4.26%
ROCE(3y)4.99%
ROCE(5y)4.91%
ROICexgc growth 3Y-5.79%
ROICexgc growth 5Y14.53%
ROICexc growth 3Y-5.71%
ROICexc growth 5Y16.11%
OM growth 3Y-1.58%
OM growth 5Y9.47%
PM growth 3Y-2.65%
PM growth 5Y12.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.46 | ||
| Debt/FCF | 16.15 | ||
| Debt/EBITDA | 6.04 | ||
| Cap/Depr | 105.21% | ||
| Cap/Sales | 1.39% | ||
| Interest Coverage | 12.48 | ||
| Cash Conversion | 44.12% | ||
| Profit Quality | 59.68% | ||
| Current Ratio | 6.63 | ||
| Quick Ratio | 6.63 | ||
| Altman-Z | 1.4 |
F-Score4
WACC4.84%
ROIC/WACC1.01
Cap/Depr(3y)79.66%
Cap/Depr(5y)75.27%
Cap/Sales(3y)1.7%
Cap/Sales(5y)1.68%
Profit Quality(3y)109.09%
Profit Quality(5y)128.34%
High Growth Momentum
Growth
EPS 1Y (TTM)-14.85%
EPS 3Y-2.61%
EPS 5Y22.01%
EPS Q2Q%-18.09%
EPS Next Y-0.91%
EPS Next 2Y3.14%
EPS Next 3Y5.82%
EPS Next 5Y0.6%
Revenue 1Y (TTM)-1%
Revenue growth 3Y0.03%
Revenue growth 5Y8.23%
Sales Q2Q%-8.89%
Revenue Next Year2.28%
Revenue Next 2Y3.41%
Revenue Next 3Y4.67%
Revenue Next 5YN/A
EBIT growth 1Y-16.79%
EBIT growth 3Y-1.55%
EBIT growth 5Y18.48%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-38.58%
FCF growth 3Y-22.02%
FCF growth 5Y4.57%
OCF growth 1Y-33.14%
OCF growth 3Y-19.68%
OCF growth 5Y3.98%
COFACE SA / COFA.PA Fundamental Analysis FAQ
What is the fundamental rating for COFA stock?
ChartMill assigns a fundamental rating of 6 / 10 to COFA.PA.
Can you provide the valuation status for COFACE SA?
ChartMill assigns a valuation rating of 6 / 10 to COFACE SA (COFA.PA). This can be considered as Fairly Valued.
How profitable is COFACE SA (COFA.PA) stock?
COFACE SA (COFA.PA) has a profitability rating of 7 / 10.
What are the PE and PB ratios of COFACE SA (COFA.PA) stock?
The Price/Earnings (PE) ratio for COFACE SA (COFA.PA) is 6.97 and the Price/Book (PB) ratio is 1.07.
How financially healthy is COFACE SA?
The financial health rating of COFACE SA (COFA.PA) is 5 / 10.