COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:COFA - FR0010667147 - Common Stock
15.45 EUR
-0.23 (-1.47%)
We assign a fundamental rating of 5 out of 10 to COFA. COFA was compared to 46 industry peers in the Insurance industry. While COFA has a great profitability rating, 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. This makes COFA very considerable 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.
Each year in the past 5 years COFA has been profitable.
Each year in the past 5 years COFA had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.37%, COFA belongs to the top of the industry, outperforming 91.30% of the companies in the same industry.
COFA has a Return On Equity (16.59%) which is in line with its industry peers.
COFA's Return On Invested Capital of 5.18% is amongst the best of the industry. COFA outperforms 95.65% 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 2.71%.
The 3 year average ROIC (3.72%) for COFA is below the current ROIC(5.18%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.37% | ||
| ROE | 16.59% | ||
| ROIC | 5.18% |
ROA(3y)3.15%
ROA(5y)2.72%
ROE(3y)11.85%
ROE(5y)9.95%
ROIC(3y)3.72%
ROIC(5y)3.19%
1.3 Margins
Looking at the Profit Margin, with a value of 13.56%, COFA belongs to the top of the industry, outperforming 82.61% of the companies in the same industry.
In the last couple of years the Profit Margin of COFA has grown nicely.
COFA has a better Operating Margin (20.93%) than 82.61% 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so COFA is still 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.
Compared to 1 year ago, COFA has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.43, we must say that COFA is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of COFA (1.43) is better than 93.48% of its industry peers.
The Debt to FCF ratio of COFA is 17.53, which is on the high side as it means it would take COFA, 17.53 years of fcf income to pay off all of its debts.
COFA has a worse Debt to FCF ratio (17.53) than 73.91% 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 has a worse Debt to Equity ratio (1.58) than 89.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.53 | ||
| Altman-Z | 1.43 |
ROIC/WACC1.08
WACC4.78%
2.3 Liquidity
A Current Ratio of 7.19 indicates that COFA has no problem at all paying its short term obligations.
With an excellent Current ratio value of 7.19, COFA belongs to the best of the industry, outperforming 95.65% of the companies in the same industry.
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.
Looking at the Quick ratio, with a value of 7.19, COFA belongs to the top of the industry, outperforming 95.65% of the companies in the same industry.
| 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 -7.64%.
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 4.35%.
COFA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.17% yearly.
EPS 1Y (TTM)-7.64%
EPS 3Y5.27%
EPS 5Y12.53%
EPS Q2Q%-20.45%
Revenue 1Y (TTM)4.35%
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 2.72% on average per year.
EPS Next Y-11.68%
EPS Next 2Y-4.93%
EPS Next 3Y-1.75%
EPS Next 5Y-2.06%
Revenue Next Year1.49%
Revenue Next 2Y2.13%
Revenue Next 3Y2.72%
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
COFA is valuated cheaply with a Price/Earnings ratio of 6.44.
COFA's Price/Earnings ratio is rather cheap when compared to the industry. COFA is cheaper than 95.65% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.25. COFA is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.60, the valuation of COFA can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of COFA indicates a somewhat cheap valuation: COFA is cheaper than 71.74% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.98, COFA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.44 | ||
| Fwd PE | 9.6 |
4.2 Price Multiples
COFA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. COFA is cheaper than 67.39% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as COFA.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.91 | ||
| EV/EBITDA | 9.15 |
4.3 Compensation for Growth
The decent profitability rating of COFA may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.51
EPS Next 2Y-4.93%
EPS Next 3Y-1.75%
5. Dividend
5.1 Amount
COFA has a Yearly Dividend Yield of 8.92%, which is a nice return.
Compared to an average industry Dividend Yield of 3.93, COFA pays a better dividend. On top of this COFA pays more dividend than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.92, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.92% |
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
58.53% of the earnings are spent on dividend by COFA. 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.
DP58.53%
EPS Next 2Y-4.93%
EPS Next 3Y-1.75%
EPA:COFA (1/13/2026, 1:05:45 PM)
15.45
-0.23 (-1.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners62.5%
Inst Owner ChangeN/A
Ins Owners2.95%
Ins Owner ChangeN/A
Market Cap2.32B
Revenue(TTM)2.63B
Net Income(TTM)357.19M
Analysts78.18
Price Target18.2 (17.8%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.92% |
Yearly Dividend1.3
Dividend Growth(5Y)30.56%
DP58.53%
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)-2.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.28%
EPS NY rev (3m)-4.34%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.44 | ||
| Fwd PE | 9.6 | ||
| P/S | 0.88 | ||
| P/FCF | 11.91 | ||
| P/OCF | 10.46 | ||
| P/B | 1.08 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | 9.15 |
EPS(TTM)2.4
EY15.53%
EPS(NY)1.61
Fwd EY10.42%
FCF(TTM)1.3
FCFY8.39%
OCF(TTM)1.48
OCFY9.56%
SpS17.54
BVpS14.34
TBVpS12.74
PEG (NY)N/A
PEG (5Y)0.51
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 | 7.39% |
ROA(3y)3.15%
ROA(5y)2.72%
ROE(3y)11.85%
ROE(5y)9.95%
ROIC(3y)3.72%
ROIC(5y)3.19%
ROICexc(3y)4%
ROICexc(5y)3.45%
ROICexgc(3y)4.4%
ROICexgc(5y)3.81%
ROCE(3y)5.15%
ROCE(5y)4.41%
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 | 17.53 | ||
| Debt/EBITDA | 5.76 | ||
| Cap/Depr | 70.92% | ||
| Cap/Sales | 1.03% | ||
| Interest Coverage | 13.5 | ||
| Cash Conversion | 37.63% | ||
| Profit Quality | 54.53% | ||
| Current Ratio | 7.19 | ||
| Quick Ratio | 7.19 | ||
| Altman-Z | 1.43 |
F-Score4
WACC4.78%
ROIC/WACC1.08
Cap/Depr(3y)71.4%
Cap/Depr(5y)71.51%
Cap/Sales(3y)1.64%
Cap/Sales(5y)1.85%
Profit Quality(3y)137.64%
Profit Quality(5y)148.98%
High Growth Momentum
Growth
EPS 1Y (TTM)-7.64%
EPS 3Y5.27%
EPS 5Y12.53%
EPS Q2Q%-20.45%
EPS Next Y-11.68%
EPS Next 2Y-4.93%
EPS Next 3Y-1.75%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)4.35%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%-0.99%
Revenue Next Year1.49%
Revenue Next 2Y2.13%
Revenue Next 3Y2.72%
Revenue Next 5YN/A
EBIT growth 1Y-6.25%
EBIT growth 3Y9.68%
EBIT growth 5Y12.95%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-23.43%
FCF growth 3Y1.78%
FCF growth 5Y6.95%
OCF growth 1Y-19.23%
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 5 / 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.
What is the profitability of COFA stock?
COFACE SA (COFA.PA) has a profitability rating of 7 / 10.
What is the earnings growth outlook for COFACE SA?
The Earnings per Share (EPS) of COFACE SA (COFA.PA) is expected to decline by -11.68% in the next year.
Is the dividend of COFACE SA sustainable?
The dividend rating of COFACE SA (COFA.PA) is 7 / 10 and the dividend payout ratio is 58.53%.