COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - EPA:COFA - FR0010667147 - Common Stock
15.4 EUR
-0.08 (-0.52%)
Overall COFA gets a fundamental rating of 6 out of 10. We evaluated COFA against 39 industry peers in the Insurance industry. COFA scores excellent on profitability, but 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. This makes COFA very considerable for dividend investing!
1. Profitability
1.1 Basic Checks
In the past year COFA was profitable.
COFA had a positive operating cash flow in the past year.
COFA had positive earnings in each of the past 5 years.
In the past 5 years COFA always reported a positive cash flow from operatings.
1.2 Ratios
COFA has a Return On Assets of 4.59%. This is amongst the best in the industry. COFA outperforms 97.44% of its industry peers.
The Return On Equity of COFA (17.64%) is better than 79.49% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.47%, COFA belongs to the top of the industry, outperforming 97.44% of the companies in the same industry.
COFA had an Average Return On Invested Capital over the past 3 years of 3.90%. This is in line with the industry average of 2.36%.
The 3 year average ROIC (3.90%) for COFA is below the current ROIC(5.47%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.59% | ||
| ROE | 17.64% | ||
| ROIC | 5.47% |
ROA(3y)3.34%
ROA(5y)2.84%
ROE(3y)12.55%
ROE(5y)10.37%
ROIC(3y)3.9%
ROIC(5y)3.29%
1.3 Margins
COFA has a better Profit Margin (14.03%) than 82.05% of its industry peers.
In the last couple of years the Profit Margin of COFA has grown nicely.
COFA's Operating Margin of 21.75% is amongst the best of the industry. COFA outperforms 87.18% of its industry peers.
In the last couple of years the Operating Margin of COFA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.75% | ||
| PM (TTM) | 14.03% | ||
| 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
COFA has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
COFA has more shares outstanding than it did 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
Based on the Altman-Z score of 1.44, we must say that COFA is in the distress zone and has some risk of bankruptcy.
COFA has a Altman-Z score of 1.44. This is amongst the best in the industry. COFA outperforms 97.44% of its industry peers.
COFA has a debt to FCF ratio of 21.39. This is a negative value and a sign of low solvency as COFA would need 21.39 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 21.39, COFA is doing worse than 64.10% of the companies in the same industry.
COFA has a Debt/Equity ratio of 1.61. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.61, COFA is not doing good in the industry: 82.05% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.61 | ||
| Debt/FCF | 21.39 | ||
| Altman-Z | 1.44 |
ROIC/WACC1.18
WACC4.63%
2.3 Liquidity
COFA has a Current Ratio of 7.14. 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 7.14, COFA belongs to the top of the industry, outperforming 97.44% of the companies in the same industry.
COFA has a Quick Ratio of 7.14. This indicates that COFA is financially healthy and has no problem in meeting its short term obligations.
COFA's Quick ratio of 7.14 is amongst the best of the industry. COFA outperforms 97.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 7.14 | ||
| Quick Ratio | 7.14 |
3. Growth
3.1 Past
COFA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.12%.
COFA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.53% yearly.
The Revenue has been growing slightly by 4.62% in the past year.
Measured over the past years, COFA shows a small growth in Revenue. The Revenue has been growing by 6.17% on average per year.
EPS 1Y (TTM)-3.12%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-12.44%
Revenue 1Y (TTM)4.62%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%4.77%
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 3.99% yearly.
EPS Next Y-7.67%
EPS Next 2Y-2.03%
EPS Next 3Y0.49%
EPS Next 5Y-2.06%
Revenue Next Year3.61%
Revenue Next 2Y3.9%
Revenue Next 3Y3.99%
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.
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
Based on the Price/Earnings ratio of 6.18, the valuation of COFA can be described as very cheap.
Based on the Price/Earnings ratio, COFA is valued cheaper than 100.00% of the companies in the same industry.
COFA is valuated cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.01, the valuation of COFA can be described as reasonable.
79.49% of the companies in the same industry are more expensive than COFA, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.92, COFA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.18 | ||
| Fwd PE | 9.01 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than 66.67% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of COFA is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.52 | ||
| EV/EBITDA | 9.33 |
4.3 Compensation for Growth
COFA has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.49
EPS Next 2Y-2.03%
EPS Next 3Y0.49%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.04%, COFA is a good candidate for dividend investing.
COFA's Dividend Yield is rather good when compared to the industry average which is at 4.57. 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 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.04% |
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
56.57% of the earnings are spent on dividend by COFA. This is a bit on the high side, but may be sustainable.
COFA's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP56.57%
EPS Next 2Y-2.03%
EPS Next 3Y0.49%
EPA:COFA (10/24/2025, 7:00:00 PM)
15.4
-0.08 (-0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners58.18%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap2.31B
Revenue(TTM)2.64B
Net Income(TTM)370.13M
Analysts78.18
Price Target18.58 (20.65%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.04% |
Yearly Dividend1.3
Dividend Growth(5Y)30.56%
DP56.57%
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)-0.22%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-5.59%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.18 | ||
| Fwd PE | 9.01 | ||
| P/S | 0.88 | ||
| P/FCF | 14.52 | ||
| P/OCF | 12.4 | ||
| P/B | 1.1 | ||
| P/tB | 1.24 | ||
| EV/EBITDA | 9.33 |
EPS(TTM)2.49
EY16.17%
EPS(NY)1.71
Fwd EY11.1%
FCF(TTM)1.06
FCFY6.89%
OCF(TTM)1.24
OCFY8.07%
SpS17.57
BVpS13.97
TBVpS12.39
PEG (NY)N/A
PEG (5Y)0.49
Graham Number27.98
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.59% | ||
| ROE | 17.64% | ||
| ROCE | 7.57% | ||
| ROIC | 5.47% | ||
| ROICexc | 5.47% | ||
| ROICexgc | 5.64% | ||
| OM | 21.75% | ||
| PM (TTM) | 14.03% | ||
| GM | N/A | ||
| FCFM | 6.04% |
ROA(3y)3.34%
ROA(5y)2.84%
ROE(3y)12.55%
ROE(5y)10.37%
ROIC(3y)3.9%
ROIC(5y)3.29%
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 3Y4.54%
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 Turnover0.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.61 | ||
| Debt/FCF | 21.39 | ||
| Debt/EBITDA | 5.51 | ||
| Cap/Depr | 69.14% | ||
| Cap/Sales | 1.03% | ||
| Interest Coverage | 13.99 | ||
| Cash Conversion | 30.42% | ||
| Profit Quality | 43.03% | ||
| Current Ratio | 7.14 | ||
| Quick Ratio | 7.14 | ||
| Altman-Z | 1.44 |
F-Score4
WACC4.63%
ROIC/WACC1.18
Cap/Depr(3y)73%
Cap/Depr(5y)72.47%
Cap/Sales(3y)1.64%
Cap/Sales(5y)1.85%
Profit Quality(3y)128.06%
Profit Quality(5y)143.23%
High Growth Momentum
Growth
EPS 1Y (TTM)-3.12%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-12.44%
EPS Next Y-7.67%
EPS Next 2Y-2.03%
EPS Next 3Y0.49%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)4.62%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%4.77%
Revenue Next Year3.61%
Revenue Next 2Y3.9%
Revenue Next 3Y3.99%
Revenue Next 5YN/A
EBIT growth 1Y0%
EBIT growth 3Y9.68%
EBIT growth 5Y12.95%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-51.78%
FCF growth 3Y1.78%
FCF growth 5Y6.95%
OCF growth 1Y-47.7%
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 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 -7.67% in the next year.