COFACE SA (COFA.PA) Stock Fundamental Analysis
EPA:COFA - Euronext Paris - Matif - FR0010667147 - Common Stock - Currency: EUR
Overall COFA gets a fundamental rating of 5 out of 10. We evaluated COFA against 36 industry peers in the Insurance industry. While COFA belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. COFA is cheap, 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.
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
The Return On Assets of COFA (4.94%) is better than 94.44% of its industry peers.
Looking at the Return On Equity, with a value of 18.41%, COFA is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
COFA has a Return On Invested Capital of 5.75%. This is amongst the best in the industry. COFA outperforms 97.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.94% | ||
| ROE | 18.41% | ||
| ROIC | 5.75% |
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 has a better Profit Margin (15.37%) than 88.89% of its industry peers.
In the last couple of years the Profit Margin of COFA has grown nicely.
COFA has a Operating Margin of 23.12%. This is amongst the best in the industry. COFA outperforms 88.89% of its industry peers.
In the last couple of years the Operating Margin of COFA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.12% | ||
| PM (TTM) | 15.37% | ||
| GM | N/A |
OM growth 3Y17.13%
OM growth 5Y3.62%
PM growth 3Y23.63%
PM growth 5Y7%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), COFA is destroying value.
There is no outstanding debt for COFA. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
COFA has an Altman-Z score of 1.47. 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 1.47, COFA belongs to the best of the industry, outperforming 94.44% of the companies in the same industry.
The Debt to FCF ratio of COFA is 11.38, which is on the high side as it means it would take COFA, 11.38 years of fcf income to pay off all of its debts.
COFA's Debt to FCF ratio of 11.38 is on the low side compared to the rest of the industry. COFA is outperformed by 63.89% of its industry peers.
COFA has a Debt/Equity ratio of 1.51. This is a high value indicating a heavy dependency on external financing.
COFA has a worse Debt to Equity ratio (1.51) than 86.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.51 | ||
| Debt/FCF | 11.38 | ||
| Altman-Z | 1.47 |
ROIC/WACC1
WACC5.78%
2.3 Liquidity
A Current Ratio of 8.14 indicates that COFA has no problem at all paying its short term obligations.
The Current ratio of COFA (8.14) is better than 97.22% of its industry peers.
A Quick Ratio of 8.14 indicates that COFA has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 8.14, COFA belongs to the best of the industry, outperforming 97.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.14 | ||
| Quick Ratio | 8.14 |
3. Growth
3.1 Past
The earnings per share for COFA have decreased by -0.42% in the last year.
The Earnings Per Share has been growing by 15.36% on average over the past years. This is quite good.
COFA shows a decrease in Revenue. In the last year, the revenue decreased by -0.89%.
Measured over the past years, COFA shows a small growth in Revenue. The Revenue has been growing by 6.99% on average per year.
EPS 1Y (TTM)-0.42%
EPS 3Y43.16%
EPS 5Y15.36%
EPS Q2Q%6.46%
Revenue 1Y (TTM)-0.89%
Revenue growth 3Y15.36%
Revenue growth 5Y6.99%
Sales Q2Q%0.39%
3.2 Future
COFA is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.96% yearly.
Based on estimates for the next years, COFA will show a small growth in Revenue. The Revenue will grow by 4.18% on average per year.
EPS Next Y12.21%
EPS Next 2Y2.48%
EPS Next 3Y2.38%
EPS Next 5Y-0.96%
Revenue Next Year2.22%
Revenue Next 2Y2.46%
Revenue Next 3Y2.93%
Revenue Next 5Y4.18%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.38, which indicates a rather cheap valuation of COFA.
Compared to the rest of the industry, the Price/Earnings ratio of COFA indicates a rather cheap valuation: COFA is cheaper than 100.00% of the companies listed in the same industry.
COFA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
The Price/Forward Earnings ratio is 9.95, which indicates a very decent valuation of COFA.
COFA's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.10. COFA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.38 | ||
| Fwd PE | 9.95 |
4.2 Price Multiples
COFA's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. COFA is cheaper than 80.56% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of COFA indicates a somewhat cheap valuation: COFA is cheaper than 69.44% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.92 | ||
| EV/EBITDA | 8.29 |
4.3 Compensation for Growth
COFA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of COFA may justify a higher PE ratio.
PEG (NY)0.52
PEG (5Y)0.42
EPS Next 2Y2.48%
EPS Next 3Y2.38%
5. Dividend
5.1 Amount
COFA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:COFA (3/7/2025, 7:00:00 PM)
16.59
+0.01 (+0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.52%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap2.49B
Analysts80
Price Target16.93 (2.05%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend1.5
Dividend Growth(5Y)25.65%
DP50.11%
Div Incr Years2
Div Non Decr Years2
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)0.85%
PT rev (3m)-0.36%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.11%
EPS NY rev (3m)1.51%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.38 | ||
| Fwd PE | 9.95 | ||
| P/S | 0.99 | ||
| P/FCF | 8.92 | ||
| P/OCF | 8 | ||
| P/B | 1.18 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | 8.29 |
EPS(TTM)2.6
EY15.67%
EPS(NY)1.67
Fwd EY10.05%
FCF(TTM)1.86
FCFY11.21%
OCF(TTM)2.07
OCFY12.5%
SpS16.8
BVpS14.02
TBVpS12.44
PEG (NY)0.52
PEG (5Y)0.42
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.94% | ||
| ROE | 18.41% | ||
| ROCE | 7.83% | ||
| ROIC | 5.75% | ||
| ROICexc | 6.15% | ||
| ROICexgc | 6.76% | ||
| OM | 23.12% | ||
| PM (TTM) | 15.37% | ||
| GM | N/A | ||
| FCFM | 11.06% |
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 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y17.13%
OM growth 5Y3.62%
PM growth 3Y23.63%
PM growth 5Y7%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.51 | ||
| Debt/FCF | 11.38 | ||
| Debt/EBITDA | 5.08 | ||
| Cap/Depr | 76.16% | ||
| Cap/Sales | 1.28% | ||
| Interest Coverage | 22.71 | ||
| Cash Conversion | 49.77% | ||
| Profit Quality | 72% | ||
| Current Ratio | 8.14 | ||
| Quick Ratio | 8.14 | ||
| Altman-Z | 1.47 |
F-Score5
WACC5.78%
ROIC/WACC1
Cap/Depr(3y)68.24%
Cap/Depr(5y)64.81%
Cap/Sales(3y)1.58%
Cap/Sales(5y)1.77%
Profit Quality(3y)132.49%
Profit Quality(5y)150.02%
High Growth Momentum
Growth
EPS 1Y (TTM)-0.42%
EPS 3Y43.16%
EPS 5Y15.36%
EPS Q2Q%6.46%
EPS Next Y12.21%
EPS Next 2Y2.48%
EPS Next 3Y2.38%
EPS Next 5Y-0.96%
Revenue 1Y (TTM)-0.89%
Revenue growth 3Y15.36%
Revenue growth 5Y6.99%
Sales Q2Q%0.39%
Revenue Next Year2.22%
Revenue Next 2Y2.46%
Revenue Next 3Y2.93%
Revenue Next 5Y4.18%
EBIT growth 1Y1.67%
EBIT growth 3Y35.12%
EBIT growth 5Y10.87%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-51.52%
FCF growth 3Y18.77%
FCF growth 5Y20.86%
OCF growth 1Y-48.68%
OCF growth 3Y14.83%
OCF growth 5Y18.72%