COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:COFA - FR0010667147 - Common Stock
15.57 EUR
+0.05 (+0.32%)
Taking everything into account, COFA scores 6 out of 10 in our fundamental rating. COFA was compared to 47 industry peers in the Insurance industry. While COFA has a great profitability rating, 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. These ratings would make COFA suitable 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.
In the past 5 years COFA has always been profitable.
In the past 5 years COFA always reported a positive cash flow from operatings.
1.2 Ratios
COFA has a better Return On Assets (4.37%) than 91.11% of its industry peers.
The Return On Equity of COFA (16.58%) is better than 62.22% of its industry peers.
With an excellent Return On Invested Capital value of 5.18%, COFA belongs to the best of the industry, outperforming 95.56% 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 2.63%.
The 3 year average ROIC (3.90%) for COFA is below the current ROIC(5.18%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.37% | ||
| ROE | 16.58% | ||
| ROIC | 5.18% |
ROA(3y)3.34%
ROA(5y)2.84%
ROE(3y)12.56%
ROE(5y)10.37%
ROIC(3y)3.9%
ROIC(5y)3.3%
1.3 Margins
COFA's Profit Margin of 13.56% is amongst the best of the industry. COFA outperforms 82.22% of its industry peers.
COFA's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 20.92%, COFA belongs to the top of the industry, outperforming 82.22% of the companies in the same industry.
COFA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.92% | ||
| PM (TTM) | 13.56% | ||
| GM | N/A |
OM growth 3Y-1.76%
OM growth 5Y6.38%
PM growth 3Y-5.7%
PM growth 5Y5.69%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
COFA has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for COFA remains at a similar level compared to 1 year ago.
COFA has less shares outstanding than it did 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 1.43. This is a bad value and indicates that COFA is not financially healthy and even has some risk of bankruptcy.
COFA has a Altman-Z score of 1.43. This is amongst the best in the industry. COFA outperforms 93.33% of its industry peers.
The Debt to FCF ratio of COFA is 17.65, which is on the high side as it means it would take COFA, 17.65 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 17.65, COFA is doing worse than 68.89% of the companies in the same industry.
A Debt/Equity ratio of 1.58 is on the high side and indicates that COFA has dependencies on debt financing.
The Debt to Equity ratio of COFA (1.58) is worse than 86.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.65 | ||
| Altman-Z | 1.43 |
ROIC/WACC1.09
WACC4.77%
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.
Looking at the Current ratio, with a value of 7.19, COFA belongs to the top of the industry, outperforming 95.56% of the companies in the same industry.
A Quick Ratio of 7.19 indicates that COFA has no problem at all paying its short term obligations.
COFA has a better Quick ratio (7.19) than 95.56% 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 -7.71% 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.
COFA shows a small growth in Revenue. In the last year, the Revenue has grown by 4.37%.
COFA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.17% yearly.
EPS 1Y (TTM)-7.71%
EPS 3Y5.27%
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
COFA is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.06% yearly.
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 6.49.
COFA's Price/Earnings ratio is rather cheap when compared to the industry. COFA is cheaper than 95.56% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.92, COFA is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.67, the valuation of COFA can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of COFA indicates a somewhat cheap valuation: COFA is cheaper than 75.56% of the companies listed in the same industry.
COFA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.49 | ||
| Fwd PE | 9.67 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than the industry average as 71.11% of the companies are valued more expensively.
COFA's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.09 | ||
| EV/EBITDA | 9.12 |
4.3 Compensation for Growth
The excellent profitability rating of COFA may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.52
EPS Next 2Y-4.93%
EPS Next 3Y-1.75%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.99%, COFA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.90, COFA pays a better dividend. On top of this COFA pays more dividend than 100.00% 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 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.99% |
5.2 History
On average, the dividend of COFA grows each year by 30.55%, which is quite nice.
Dividend Growth(5Y)30.55%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
COFA pays out 58.55% 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.
DP58.55%
EPS Next 2Y-4.93%
EPS Next 3Y-1.75%
EPA:COFA (12/24/2025, 7:00:00 PM)
15.57
+0.05 (+0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners62.84%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap2.34B
Revenue(TTM)2.63B
Net Income(TTM)357.06M
Analysts78.18
Price Target18.2 (16.89%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.99% |
Yearly Dividend1.3
Dividend Growth(5Y)30.55%
DP58.55%
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)-3.87%
EPS NY rev (3m)-4.34%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2%
Revenue NY rev (3m)-2.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.49 | ||
| Fwd PE | 9.67 | ||
| P/S | 0.89 | ||
| P/FCF | 12.09 | ||
| P/OCF | 10.57 | ||
| P/B | 1.09 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | 9.12 |
EPS(TTM)2.4
EY15.41%
EPS(NY)1.61
Fwd EY10.34%
FCF(TTM)1.29
FCFY8.27%
OCF(TTM)1.47
OCFY9.46%
SpS17.54
BVpS14.34
TBVpS12.74
PEG (NY)N/A
PEG (5Y)0.52
Graham Number27.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.37% | ||
| ROE | 16.58% | ||
| ROCE | 7.17% | ||
| ROIC | 5.18% | ||
| ROICexc | 5.45% | ||
| ROICexgc | 5.97% | ||
| OM | 20.92% | ||
| PM (TTM) | 13.56% | ||
| GM | N/A | ||
| FCFM | 7.34% |
ROA(3y)3.34%
ROA(5y)2.84%
ROE(3y)12.56%
ROE(5y)10.37%
ROIC(3y)3.9%
ROIC(5y)3.3%
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 3Y4.53%
ROICexgc growth 5Y10.62%
ROICexc growth 3Y4.41%
ROICexc growth 5Y11.45%
OM growth 3Y-1.76%
OM growth 5Y6.38%
PM growth 3Y-5.7%
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 | 17.65 | ||
| Debt/EBITDA | 5.76 | ||
| Cap/Depr | 71.21% | ||
| Cap/Sales | 1.05% | ||
| Interest Coverage | 13.75 | ||
| Cash Conversion | 37.48% | ||
| Profit Quality | 54.18% | ||
| Current Ratio | 7.19 | ||
| Quick Ratio | 7.19 | ||
| Altman-Z | 1.43 |
F-Score4
WACC4.77%
ROIC/WACC1.09
Cap/Depr(3y)72.42%
Cap/Depr(5y)72.13%
Cap/Sales(3y)1.63%
Cap/Sales(5y)1.85%
Profit Quality(3y)127.93%
Profit Quality(5y)143.15%
High Growth Momentum
Growth
EPS 1Y (TTM)-7.71%
EPS 3Y5.27%
EPS 5Y12.53%
EPS Q2Q%-20.84%
EPS Next Y-11.68%
EPS Next 2Y-4.93%
EPS Next 3Y-1.75%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)4.37%
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-5.5%
EBIT growth 3Y9.66%
EBIT growth 5Y12.94%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-22.03%
FCF growth 3Y1.71%
FCF growth 5Y6.91%
OCF growth 1Y-17.48%
OCF growth 3Y2.59%
OCF growth 5Y7.34%
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 -11.68% in the next year.