COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:COFA - FR0010667147 - Common Stock
15.49 EUR
-0.1 (-0.64%)
COFA gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. COFA has an excellent profitability rating, but there are some minor concerns on its financial health. COFA is valued correctly, but it does not seem to be growing. COFA also has an excellent dividend rating. With these ratings, COFA could be worth investigating further 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.
- Each year in the past 5 years COFA has been profitable.
- COFA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With an excellent Return On Assets value of 4.37%, COFA belongs to the best of the industry, outperforming 91.49% of the companies in the same industry.
- COFA's Return On Equity of 16.59% is in line compared to the rest of the industry. COFA outperforms 57.45% of its industry peers.
- With an excellent Return On Invested Capital value of 5.18%, COFA belongs to the best of the industry, outperforming 95.74% 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 2.70%.
- The last Return On Invested Capital (5.18%) for COFA is above the 3 year average (3.72%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.37% | ||
| ROE | 16.59% | ||
| ROIC | 5.18% |
ROA(3y)3.15%
ROA(5y)2.72%
ROE(3y)11.85%
ROE(5y)9.95%
ROIC(3y)3.72%
ROIC(5y)3.19%
1.3 Margins
- With an excellent Profit Margin value of 13.56%, COFA belongs to the best of the industry, outperforming 80.85% of the companies in the same industry.
- In the last couple of years the Profit Margin of COFA has grown nicely.
- COFA has a better Operating Margin (20.93%) than 80.85% of its industry peers.
- COFA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.93% | ||
| PM (TTM) | 13.56% | ||
| 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.
- Compared to 1 year ago, COFA has more shares outstanding
- COFA has less shares outstanding than it did 5 years ago.
- COFA has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.43, we must say that COFA is in the distress zone and has some risk of bankruptcy.
- COFA has a better Altman-Z score (1.43) than 93.62% of its industry peers.
- COFA has a debt to FCF ratio of 17.53. This is a negative value and a sign of low solvency as COFA would need 17.53 years to pay back of all of its debts.
- COFA's Debt to FCF ratio of 17.53 is on the low side compared to the rest of the industry. COFA is outperformed by 74.47% of its industry peers.
- A Debt/Equity ratio of 1.58 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 1.58, COFA is doing worse than 89.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.53 | ||
| 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 95.74% 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 95.74% 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 -7.64% in the last year.
- 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.
- Looking at the last year, COFA shows a small growth in Revenue. The Revenue has grown by 4.35% in the last 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)-7.64%
EPS 3Y5.27%
EPS 5Y12.53%
EPS Q2Q%-20.45%
Revenue 1Y (TTM)4.35%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%-0.99%
3.2 Future
- The Earnings Per Share is expected to decrease by -2.06% on average over the next years.
- 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-11.45%
EPS Next 2Y-4.93%
EPS Next 3Y-1.51%
EPS Next 5Y-2.06%
Revenue Next Year1.49%
Revenue Next 2Y2.13%
Revenue Next 3Y2.72%
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.
- 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
- Based on the Price/Earnings ratio of 6.45, the valuation of COFA can be described as very cheap.
- 95.74% of the companies in the same industry are more expensive than COFA, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of COFA to the average of the S&P500 Index (27.38), we can say COFA is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 9.62, the valuation of COFA can be described as reasonable.
- Based on the Price/Forward Earnings ratio, COFA is valued a bit cheaper than the industry average as 72.34% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, COFA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.45 | ||
| Fwd PE | 9.62 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than 68.09% of the companies in the same industry.
- COFA's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.94 | ||
| EV/EBITDA | 9.1 |
4.3 Compensation for Growth
- The decent 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-1.51%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 8.98%, COFA is a good candidate for dividend investing.
- COFA's Dividend Yield is rather good when compared to the industry average which is at 4.19. COFA pays more dividend than 100.00% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.85, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.98% |
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
- 58.53% 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.
DP58.53%
EPS Next 2Y-4.93%
EPS Next 3Y-1.51%
EPA:COFA (1/16/2026, 7:00:00 PM)
15.49
-0.1 (-0.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-03 2025-11-03
Earnings (Next)02-19 2026-02-19/amc
Inst Owners62.5%
Inst Owner ChangeN/A
Ins Owners2.95%
Ins Owner ChangeN/A
Market Cap2.33B
Revenue(TTM)2.63B
Net Income(TTM)357.19M
Analysts78.18
Price Target18.09 (16.79%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.98% |
Yearly Dividend1.3
Dividend Growth(5Y)30.56%
DP58.53%
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)-0.56%
PT rev (3m)-2.63%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.26%
EPS NY rev (3m)-4.09%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.45 | ||
| Fwd PE | 9.62 | ||
| P/S | 0.88 | ||
| P/FCF | 11.94 | ||
| P/OCF | 10.48 | ||
| P/B | 1.08 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | 9.1 |
EPS(TTM)2.4
EY15.49%
EPS(NY)1.61
Fwd EY10.39%
FCF(TTM)1.3
FCFY8.37%
OCF(TTM)1.48
OCFY9.54%
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 | 16.59% | ||
| ROCE | 7.17% | ||
| ROIC | 5.18% | ||
| ROICexc | 5.45% | ||
| ROICexgc | 5.97% | ||
| OM | 20.93% | ||
| PM (TTM) | 13.56% | ||
| GM | N/A | ||
| FCFM | 7.39% |
ROA(3y)3.15%
ROA(5y)2.72%
ROE(3y)11.85%
ROE(5y)9.95%
ROIC(3y)3.72%
ROIC(5y)3.19%
ROICexc(3y)4%
ROICexc(5y)3.45%
ROICexgc(3y)4.4%
ROICexgc(5y)3.81%
ROCE(3y)5.15%
ROCE(5y)4.41%
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 Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.53 | ||
| Debt/EBITDA | 5.76 | ||
| Cap/Depr | 70.92% | ||
| Cap/Sales | 1.03% | ||
| Interest Coverage | 13.5 | ||
| Cash Conversion | 37.63% | ||
| Profit Quality | 54.53% | ||
| Current Ratio | 7.19 | ||
| Quick Ratio | 7.19 | ||
| Altman-Z | 1.43 |
F-Score4
WACC4.77%
ROIC/WACC1.09
Cap/Depr(3y)71.4%
Cap/Depr(5y)71.51%
Cap/Sales(3y)1.64%
Cap/Sales(5y)1.85%
Profit Quality(3y)137.64%
Profit Quality(5y)148.98%
High Growth Momentum
Growth
EPS 1Y (TTM)-7.64%
EPS 3Y5.27%
EPS 5Y12.53%
EPS Q2Q%-20.45%
EPS Next Y-11.45%
EPS Next 2Y-4.93%
EPS Next 3Y-1.51%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)4.35%
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-6.25%
EBIT growth 3Y9.68%
EBIT growth 5Y12.95%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-23.43%
FCF growth 3Y1.78%
FCF growth 5Y6.95%
OCF growth 1Y-19.23%
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 5 / 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 -11.45% 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 58.53%.