COFACE SA (COFA.PA) Fundamental Analysis & Valuation

EPA:COFA • FR0010667147

Current stock price

14.62 EUR
-0.07 (-0.48%)
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

  • 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.
  • Each year in the past 5 years COFA had a positive operating cash flow.
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

  • With an excellent Return On Assets value of 4.16%, COFA belongs to the best of the industry, outperforming 87.23% of the companies in the same industry.
  • COFA has a Return On Equity (15.19%) which is comparable to the rest of the industry.
  • COFA has a better Return On Invested Capital (4.88%) than 91.49% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for COFA is in line with the industry average of 3.34%.
  • The last Return On Invested Capital (4.88%) for COFA is above the 3 year average (3.68%), which is a sign of increasing profitability.
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

  • The Profit Margin of COFA (13.16%) is better than 74.47% of its industry peers.
  • In the last couple of years the Profit Margin of COFA has grown nicely.
  • With an excellent Operating Margin value of 19.64%, COFA belongs to the best of the industry, outperforming 80.85% of the companies in the same industry.
  • 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) just above the Cost of Capital (WACC), COFA is creating some value.
  • Compared to 1 year ago, COFA has about the same amount of shares outstanding.
  • The number of shares outstanding for COFA has been reduced compared to 5 years ago.
  • 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 1.38. 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 1.38, COFA belongs to the best of the industry, outperforming 93.62% of the companies in the same industry.
  • COFA has a debt to FCF ratio of 16.15. This is a negative value and a sign of low solvency as COFA would need 16.15 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 16.15, COFA is not doing good in the industry: 65.96% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 1.46 is on the high side and indicates that COFA has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.46, COFA is doing worse than 85.11% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.46
Debt/FCF 16.15
Altman-Z 1.38
ROIC/WACC1.02
WACC4.78%
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.
  • Looking at the Current ratio, with a value of 6.63, COFA belongs to the top of the industry, outperforming 95.74% of the companies in the same industry.
  • A Quick Ratio of 6.63 indicates that COFA has no problem at all paying its short term obligations.
  • The Quick ratio of COFA (6.63) is better than 95.74% 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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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.
  • Measured over the past years, COFA shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.01% on average per year.
  • COFA shows a decrease in Revenue. In the last year, the revenue decreased by -1.00%.
  • COFA shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.23% yearly.
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.
  • The Revenue is expected to grow by 4.67% on average over the next years.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • The Price/Earnings ratio is 6.47, which indicates a rather cheap valuation of COFA.
  • Based on the Price/Earnings ratio, COFA is valued cheaply inside the industry as 97.87% of the companies are valued more expensively.
  • COFA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.73.
  • COFA is valuated reasonably with a Price/Forward Earnings ratio of 9.42.
  • COFA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. COFA is cheaper than 74.47% of the companies 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 23.72.
Industry RankSector Rank
PE 6.47
Fwd PE 9.42
COFA.PA Price Earnings VS Forward Price EarningsCOFA.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than 70.21% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as COFA.
Industry RankSector Rank
P/FCF 10.94
EV/EBITDA 10.1
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)0.29
EPS Next 2Y3.14%
EPS Next 3Y5.82%

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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 8.54%, COFA is a good candidate for dividend investing.
  • COFA's Dividend Yield is rather good when compared to the industry average which is at 4.14. COFA pays more dividend than 95.74% of the companies in the same industry.
  • COFA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 8.54%

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 0.5 1 1.5

5.3 Sustainability

  • 62.19% of the earnings are spent on dividend by COFA. 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

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COFA.PA Fundamentals: All Metrics, Ratios and Statistics

COFACE SA

EPA:COFA (3/19/2026, 7:00:00 PM)

14.62

-0.07 (-0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)05-12
Inst Owners61.41%
Inst Owner ChangeN/A
Ins Owners2.95%
Ins Owner ChangeN/A
Market Cap2.20B
Revenue(TTM)2.55B
Net Income(TTM)336.18M
Analysts78.18
Price Target18.07 (23.6%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.54%
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)0.23%
PT rev (3m)-0.67%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-3.55%
EPS NY rev (3m)-4.76%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.73%
Revenue NY rev (3m)-1.73%
Valuation
Industry RankSector Rank
PE 6.47
Fwd PE 9.42
P/S 0.86
P/FCF 10.94
P/OCF 9.29
P/B 0.99
P/tB 1.13
EV/EBITDA 10.1
EPS(TTM)2.26
EY15.46%
EPS(NY)1.55
Fwd EY10.62%
FCF(TTM)1.34
FCFY9.14%
OCF(TTM)1.57
OCFY10.76%
SpS17.01
BVpS14.74
TBVpS12.98
PEG (NY)N/A
PEG (5Y)0.29
Graham Number27.37
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 1.38
F-Score4
WACC4.78%
ROIC/WACC1.02
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.


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 -0.91% 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 62.19%.