COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:COFA - FR0010667147 - Common Stock
15.37 EUR
-0.07 (-0.45%)
Overall COFA gets a fundamental rating of 5 out of 10. We evaluated COFA against 46 industry peers in the Insurance industry. While COFA belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. COFA has a valuation in line with the averages, but it does not seem to be growing. Finally COFA also has an excellent dividend rating. These ratings could make COFA a good candidate for dividend investing.
1. Profitability
1.1 Basic Checks
- COFA had positive earnings in the past year.
- COFA had a positive operating cash flow in the past year.
- Each year in the past 5 years COFA has been profitable.
- In the past 5 years COFA always reported a positive cash flow from operatings.
1.2 Ratios
- COFA's Return On Assets of 4.37% is amongst the best of the industry. COFA outperforms 91.30% of its industry peers.
- With a Return On Equity value of 16.59%, COFA perfoms like the industry average, outperforming 58.70% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 5.18%, COFA belongs to the best of the industry, outperforming 95.65% of the companies in the same industry.
- COFA had an Average Return On Invested Capital over the past 3 years of 3.72%. This 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
- The Profit Margin of COFA (13.56%) is better than 82.61% of its industry peers.
- COFA's Profit Margin has improved in the last couple of years.
- COFA's Operating Margin of 20.93% is amongst the best of the industry. COFA outperforms 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
- 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.
- The number of shares outstanding for COFA has been reduced compared to 5 years ago.
- COFA has a better debt/assets ratio than last year.
2.2 Solvency
- COFA has an Altman-Z score of 1.43. 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 1.43 is amongst the best of the industry. COFA outperforms 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.
- With a Debt to FCF ratio value of 17.53, COFA is not doing good in the industry: 73.91% of the companies in the same industry are doing better.
- A Debt/Equity ratio of 1.58 is on the high side and indicates that COFA has dependencies on debt 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/WACC1.09
WACC4.76%
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 95.65% of its industry peers.
- A Quick Ratio of 7.19 indicates that COFA has no problem at all paying 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%.
- Measured over the past years, COFA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.53% on average per year.
- COFA shows a small growth in Revenue. In the last year, the Revenue has grown by 4.35%.
- The Revenue has been growing slightly by 6.17% on average over the past years.
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
- Based on estimates for the next years, COFA will show a decrease in Earnings Per Share. The EPS will decrease by -2.06% on average per year.
- COFA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.72% yearly.
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.
- 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 6.40.
- Compared to the rest of the industry, the Price/Earnings ratio of COFA indicates a rather cheap valuation: COFA is cheaper than 95.65% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of COFA to the average of the S&P500 Index (27.30), we can say COFA is valued rather cheaply.
- The Price/Forward Earnings ratio is 9.55, which indicates a very decent valuation of COFA.
- Based on the Price/Forward Earnings ratio, COFA is valued a bit cheaper than the industry average as 71.74% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, COFA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.4 | ||
| Fwd PE | 9.55 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than 67.39% 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 | 11.85 | ||
| EV/EBITDA | 9.09 |
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.
- COFA's Dividend Yield is rather good when compared to the industry average which is at 3.93. 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 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.92% |
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
- 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 (1/14/2026, 9:09:42 AM)
15.37
-0.07 (-0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-03 2025-11-03
Earnings (Next)02-19 2026-02-19/amc
Inst Owners62.5%
Inst Owner ChangeN/A
Ins Owners2.95%
Ins Owner ChangeN/A
Market Cap2.31B
Revenue(TTM)2.63B
Net Income(TTM)357.19M
Analysts78.18
Price Target18.2 (18.41%)
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 | 6.4 | ||
| Fwd PE | 9.55 | ||
| P/S | 0.88 | ||
| P/FCF | 11.85 | ||
| P/OCF | 10.4 | ||
| P/B | 1.07 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | 9.09 |
EPS(TTM)2.4
EY15.61%
EPS(NY)1.61
Fwd EY10.47%
FCF(TTM)1.3
FCFY8.44%
OCF(TTM)1.48
OCFY9.61%
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
WACC4.76%
ROIC/WACC1.09
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%.