COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - EPA:COFA - FR0010667147 - Common Stock
15.46 EUR
+0.03 (+0.19%)
We assign a fundamental rating of 5 out of 10 to COFA. COFA was compared to 43 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.
1. Profitability
1.1 Basic Checks
COFA had positive earnings in the past year.
In the past year COFA had a positive cash flow from operations.
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 better Return On Assets (4.58%) than 97.67% of its industry peers.
With a decent Return On Equity value of 16.89%, COFA is doing good in the industry, outperforming 76.74% of the companies in the same industry.
With an excellent Return On Invested Capital value of 5.39%, COFA belongs to the best of the industry, outperforming 97.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.58% | ||
| ROE | 16.89% | ||
| ROIC | 5.39% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
COFA's Profit Margin of 14.05% is amongst the best of the industry. COFA outperforms 83.72% of its industry peers.
In the last couple of years the Profit Margin of COFA has grown nicely.
The Operating Margin of COFA (21.75%) is better than 88.37% of its industry peers.
COFA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.75% | ||
| PM (TTM) | 14.05% | ||
| 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 below the Cost of Capital (WACC), which means it is destroying value.
Compared to 5 years ago, COFA has less shares outstanding
2.2 Solvency
COFA has an Altman-Z score of 1.45. This is a bad value and indicates that COFA is not financially healthy and even has some risk of bankruptcy.
COFA has a better Altman-Z score (1.45) than 97.67% of its industry peers.
COFA has a debt to FCF ratio of 20.37. This is a negative value and a sign of low solvency as COFA would need 20.37 years to pay back of all of its debts.
With a Debt to FCF ratio value of 20.37, COFA is not doing good in the industry: 67.44% of the companies in the same industry are doing better.
A Debt/Equity ratio of 1.48 is on the high side and indicates that COFA has dependencies on debt financing.
COFA's Debt to Equity ratio of 1.48 is on the low side compared to the rest of the industry. COFA is outperformed by 79.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 20.37 | ||
| Altman-Z | 1.45 |
ROIC/WACC0.95
WACC5.65%
2.3 Liquidity
COFA has a Current Ratio of 8.43. 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 8.43, COFA belongs to the top of the industry, outperforming 97.67% of the companies in the same industry.
COFA has a Quick Ratio of 8.43. 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 8.43, COFA belongs to the top of the industry, outperforming 97.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.43 | ||
| Quick Ratio | 8.43 |
3. Growth
3.1 Past
COFA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.39%.
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.
The Revenue has been growing slightly by 4.62% in the past year.
COFA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.17% yearly.
EPS 1Y (TTM)-3.39%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-12.77%
Revenue 1Y (TTM)4.62%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%4.77%
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.
The Revenue is expected to grow by 3.99% on average over the next years.
EPS Next Y-7.33%
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
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 6.23.
Based on the Price/Earnings ratio, COFA is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
COFA is valuated cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
COFA is valuated reasonably with a Price/Forward Earnings ratio of 9.04.
Based on the Price/Forward Earnings ratio, COFA is valued cheaply inside the industry as 81.40% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, COFA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.23 | ||
| Fwd PE | 9.04 |
4.2 Price Multiples
COFA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. COFA is cheaper than 72.09% 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 | 14.58 | ||
| EV/EBITDA | 8.24 |
4.3 Compensation for Growth
The decent profitability rating of COFA may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.5
EPS Next 2Y-2.03%
EPS Next 3Y0.49%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.97%, COFA is a good candidate for dividend investing.
COFA's Dividend Yield is rather good when compared to the industry average which is at 4.56. 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.97% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
56.42% of the earnings are spent on dividend by COFA. This is a bit on the high side, but may be sustainable.
DP56.42%
EPS Next 2Y-2.03%
EPS Next 3Y0.49%
EPA:COFA (9/18/2025, 3:51:06 PM)
15.46
+0.03 (+0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.78%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap2.32B
Analysts78.18
Price Target18.58 (20.18%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.97% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP56.42%
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)-5.24%
EPS NY rev (3m)-5.24%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.23 | ||
| Fwd PE | 9.04 | ||
| P/S | 0.88 | ||
| P/FCF | 14.58 | ||
| P/OCF | 12.44 | ||
| P/B | 1.06 | ||
| P/tB | 1.19 | ||
| EV/EBITDA | 8.24 |
EPS(TTM)2.48
EY16.04%
EPS(NY)1.71
Fwd EY11.06%
FCF(TTM)1.06
FCFY6.86%
OCF(TTM)1.24
OCFY8.04%
SpS17.57
BVpS14.61
TBVpS13.01
PEG (NY)N/A
PEG (5Y)0.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.58% | ||
| ROE | 16.89% | ||
| ROCE | 7.47% | ||
| ROIC | 5.39% | ||
| ROICexc | 5.78% | ||
| ROICexgc | 6.34% | ||
| OM | 21.75% | ||
| PM (TTM) | 14.05% | ||
| GM | N/A | ||
| FCFM | 6.04% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y4.51%
ROICexcg growth 5Y10.61%
ROICexc growth 3Y4.4%
ROICexc growth 5Y11.44%
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-ScoreN/A
Asset Turnover0.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 20.37 | ||
| Debt/EBITDA | 5.29 | ||
| Cap/Depr | 69.88% | ||
| Cap/Sales | 1.04% | ||
| Interest Coverage | 14.16 | ||
| Cash Conversion | 30.45% | ||
| Profit Quality | 42.98% | ||
| Current Ratio | 8.43 | ||
| Quick Ratio | 8.43 | ||
| Altman-Z | 1.45 |
F-ScoreN/A
WACC5.65%
ROIC/WACC0.95
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)-3.39%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-12.77%
EPS Next Y-7.33%
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 1Y-0.08%
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-47.68%
OCF growth 3Y2.62%
OCF growth 5Y7.36%