COFACE SA (COFA.PA) Fundamental Analysis & Valuation

EPA:COFA • FR0010667147

Current stock price

16.25 EUR
+0.26 (+1.63%)
Last:

This COFA.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. COFA.PA Profitability Analysis

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.
  • COFA had a positive operating cash flow in each of the past 5 years.
COFA.PA Yearly Net Income VS EBIT VS OCF VS FCFCOFA.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

1.2 Ratios

  • The Return On Assets of COFA (4.16%) is better than 86.00% of its industry peers.
  • COFA has a Return On Equity (15.19%) which is comparable to the rest of the industry.
  • With an excellent Return On Invested Capital value of 4.88%, COFA belongs to the best of the industry, outperforming 88.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for COFA is in line with the industry average of 2.76%.
  • The 3 year average ROIC (3.68%) for COFA is below the current ROIC(4.88%), indicating increased profibility in the last year.
Industry RankSector 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%
COFA.PA Yearly ROA, ROE, ROICCOFA.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • COFA has a better Profit Margin (13.16%) than 80.00% of its industry peers.
  • COFA's Profit Margin has improved in the last couple of years.
  • The Operating Margin of COFA (19.64%) is better than 82.00% of its industry peers.
  • COFA's Operating Margin has improved in the last couple of years.
Industry RankSector 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
COFA.PA Yearly Profit, Operating, Gross MarginsCOFA.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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5

2. COFA.PA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), COFA is destroying value.
  • COFA has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, COFA has less shares outstanding
  • Compared to 1 year ago, COFA has an improved debt to assets ratio.
COFA.PA Yearly Shares OutstandingCOFA.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
COFA.PA Yearly Total Debt VS Total AssetsCOFA.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • COFA has an Altman-Z score of 1.41. 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 1.41, COFA belongs to the best of the industry, outperforming 94.00% of the companies in the same industry.
  • The Debt to FCF ratio of COFA is 16.15, which is on the high side as it means it would take COFA, 16.15 years of fcf income to pay off all of its debts.
  • COFA has a worse Debt to FCF ratio (16.15) than 72.00% 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.
  • The Debt to Equity ratio of COFA (1.46) is worse than 84.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.46
Debt/FCF 16.15
Altman-Z 1.41
ROIC/WACC0.97
WACC5.03%
COFA.PA Yearly LT Debt VS Equity VS FCFCOFA.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 6.63 indicates that COFA has no problem at all paying its short term obligations.
  • COFA's Current ratio of 6.63 is amongst the best of the industry. COFA outperforms 96.00% 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.
  • COFA's Quick ratio of 6.63 is amongst the best of the industry. COFA outperforms 96.00% of its industry peers.
Industry RankSector Rank
Current Ratio 6.63
Quick Ratio 6.63
COFA.PA Yearly Current Assets VS Current LiabilitesCOFA.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. COFA.PA Growth Analysis

3.1 Past

  • The earnings per share for COFA have decreased strongly by -14.85% in the last year.
  • 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%.
  • The Revenue has been growing by 8.23% on average over the past years. This is quite good.
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

  • COFA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.60% yearly.
  • 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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
COFA.PA Yearly Revenue VS EstimatesCOFA.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B
COFA.PA Yearly EPS VS EstimatesCOFA.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1 1.5

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6

4. COFA.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.19 indicates a rather cheap valuation of COFA.
  • Based on the Price/Earnings ratio, COFA is valued cheaply inside the industry as 92.00% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.87. COFA is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 10.47, which indicates a very decent valuation of COFA.
  • Based on the Price/Forward Earnings ratio, COFA is valued a bit cheaper than 72.00% of the companies in the same industry.
  • COFA is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.51, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.19
Fwd PE 10.47
COFA.PA Price Earnings VS Forward Price EarningsCOFA.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of COFA indicates a somewhat cheap valuation: COFA is cheaper than 62.00% of the companies listed in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as COFA.
Industry RankSector Rank
P/FCF 12.16
EV/EBITDA 10.54
COFA.PA Per share dataCOFA.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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)0.33
EPS Next 2Y3.14%
EPS Next 3Y5.82%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. COFA.PA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.82%, COFA is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.08, COFA pays a better dividend. On top of this COFA pays more dividend than 94.00% of the companies listed in the same industry.
  • COFA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 7.82%

5.2 History

  • The dividend of COFA is nicely growing with an annual growth rate of 12.13%!
Dividend Growth(5Y)12.13%
Div Incr Years1
Div Non Decr Years1
COFA.PA Yearly Dividends per shareCOFA.PA Yearly Dividends per shareYearly Dividends per share 2019 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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 Yearly Income VS Free CF VS DividendCOFA.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
COFA.PA Dividend Payout.COFA.PA Dividend Payout, showing the Payout Ratio.COFA.PA Dividend Payout.PayoutRetained Earnings

More info and screens

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COFA.PA Fundamentals: All Metrics, Ratios and Statistics

COFACE SA

EPA:COFA (4/17/2026, 7:00:00 PM)

16.25

+0.26 (+1.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)05-12
Inst Owners67.05%
Inst Owner ChangeN/A
Ins Owners2.95%
Ins Owner ChangeN/A
Market Cap2.44B
Revenue(TTM)2.55B
Net Income(TTM)336.18M
Analysts78.18
Price Target18 (10.77%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.82%
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)-0.4%
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 RankSector Rank
PE 7.19
Fwd PE 10.47
P/S 0.96
P/FCF 12.16
P/OCF 10.33
P/B 1.1
P/tB 1.25
EV/EBITDA 10.54
EPS(TTM)2.26
EY13.91%
EPS(NY)1.55
Fwd EY9.55%
FCF(TTM)1.34
FCFY8.22%
OCF(TTM)1.57
OCFY9.68%
SpS17.01
BVpS14.74
TBVpS12.98
PEG (NY)N/A
PEG (5Y)0.33
Graham Number27.3735 (68.45%)
Profitability
Industry RankSector 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 RankSector 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 1.41
F-Score4
WACC5.03%
ROIC/WACC0.97
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 7.19 and the Price/Book (PB) ratio is 1.1.


How financially healthy is COFACE SA?

The financial health rating of COFACE SA (COFA.PA) is 5 / 10.