COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:COFA - FR0010667147 - Common Stock
15.57 EUR
+0.05 (+0.32%)
COFA gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 45 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 has a valuation in line with the averages, 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.
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
The Return On Assets of COFA (4.37%) is better than 91.11% of its industry peers.
With a decent Return On Equity value of 16.58%, COFA is doing good in the industry, outperforming 62.22% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 5.18%, COFA belongs to the top of the industry, outperforming 95.56% 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 2.72%.
The last Return On Invested Capital (5.18%) for COFA is above the 3 year average (3.90%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.37% | ||
| ROE | 16.58% | ||
| ROIC | 5.18% |
ROA(3y)3.34%
ROA(5y)2.84%
ROE(3y)12.56%
ROE(5y)10.37%
ROIC(3y)3.9%
ROIC(5y)3.3%
1.3 Margins
COFA has a Profit Margin of 13.56%. This is amongst the best in the industry. COFA outperforms 82.22% of its industry peers.
In the last couple of years the Profit Margin of COFA has grown nicely.
COFA has a better Operating Margin (20.92%) than 82.22% of its industry peers.
COFA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.92% | ||
| PM (TTM) | 13.56% | ||
| GM | N/A |
OM growth 3Y-1.76%
OM growth 5Y6.38%
PM growth 3Y-5.7%
PM growth 5Y5.69%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so COFA is still creating some value.
The number of shares outstanding for COFA remains at a similar level compared to 1 year ago.
The number of shares outstanding for COFA has been reduced compared to 5 years ago.
COFA has a better debt/assets ratio than last year.
2.2 Solvency
COFA has an Altman-Z score of 1.43. This is a bad value and indicates that COFA is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.43, COFA belongs to the top of the industry, outperforming 93.33% of the companies in the same industry.
COFA has a debt to FCF ratio of 17.65. This is a negative value and a sign of low solvency as COFA would need 17.65 years to pay back of all of its debts.
COFA has a worse Debt to FCF ratio (17.65) than 68.89% of its industry peers.
COFA has a Debt/Equity ratio of 1.58. This is a high value indicating a heavy dependency on external financing.
COFA's Debt to Equity ratio of 1.58 is on the low side compared to the rest of the industry. COFA is outperformed by 86.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.65 | ||
| Altman-Z | 1.43 |
ROIC/WACC1.09
WACC4.77%
2.3 Liquidity
A Current Ratio of 7.19 indicates that COFA has no problem at all paying its short term obligations.
With an excellent Current ratio value of 7.19, COFA belongs to the best of the industry, outperforming 95.56% 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.
With an excellent Quick ratio value of 7.19, COFA belongs to the best of the industry, outperforming 95.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 7.19 | ||
| Quick Ratio | 7.19 |
3. Growth
3.1 Past
COFA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.71%.
COFA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.53% yearly.
COFA shows a small growth in Revenue. In the last year, the Revenue has grown by 4.37%.
The Revenue has been growing slightly by 6.17% on average over the past years.
EPS 1Y (TTM)-7.71%
EPS 3Y5.27%
EPS 5Y12.53%
EPS Q2Q%-20.84%
Revenue 1Y (TTM)4.37%
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.
COFA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.72% yearly.
EPS Next Y-11.68%
EPS Next 2Y-4.93%
EPS Next 3Y-1.75%
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
The Price/Earnings ratio is 6.49, which indicates a rather cheap valuation of COFA.
COFA's Price/Earnings ratio is rather cheap when compared to the industry. COFA is cheaper than 95.56% of the companies in the same industry.
When comparing the Price/Earnings ratio of COFA to the average of the S&P500 Index (26.59), we can say COFA is valued rather cheaply.
A Price/Forward Earnings ratio of 9.67 indicates a reasonable valuation of COFA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of COFA indicates a somewhat cheap valuation: COFA is cheaper than 75.56% of the companies listed 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 24.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.49 | ||
| Fwd PE | 9.67 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than 71.11% of the companies in the same industry.
COFA's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.09 | ||
| EV/EBITDA | 9.12 |
4.3 Compensation for Growth
The excellent 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-1.75%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.06%, COFA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.95, COFA pays a better dividend. On top of this COFA pays more dividend than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.88, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.06% |
5.2 History
The dividend of COFA is nicely growing with an annual growth rate of 30.55%!
Dividend Growth(5Y)30.55%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
COFA pays out 58.55% of its income as dividend. This is a bit on the high side, but may be sustainable.
The Dividend Rate of COFA has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP58.55%
EPS Next 2Y-4.93%
EPS Next 3Y-1.75%
EPA:COFA (12/24/2025, 7:00:00 PM)
15.57
+0.05 (+0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners62.84%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap2.34B
Revenue(TTM)2.63B
Net Income(TTM)357.06M
Analysts78.18
Price Target18.2 (16.89%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.06% |
Yearly Dividend1.3
Dividend Growth(5Y)30.55%
DP58.55%
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)-2.09%
PT rev (3m)-2.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-3.87%
EPS NY rev (3m)-4.34%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2%
Revenue NY rev (3m)-2.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.49 | ||
| Fwd PE | 9.67 | ||
| P/S | 0.89 | ||
| P/FCF | 12.09 | ||
| P/OCF | 10.57 | ||
| P/B | 1.09 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | 9.12 |
EPS(TTM)2.4
EY15.41%
EPS(NY)1.61
Fwd EY10.34%
FCF(TTM)1.29
FCFY8.27%
OCF(TTM)1.47
OCFY9.46%
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 | 16.58% | ||
| ROCE | 7.17% | ||
| ROIC | 5.18% | ||
| ROICexc | 5.45% | ||
| ROICexgc | 5.97% | ||
| OM | 20.92% | ||
| PM (TTM) | 13.56% | ||
| GM | N/A | ||
| FCFM | 7.34% |
ROA(3y)3.34%
ROA(5y)2.84%
ROE(3y)12.56%
ROE(5y)10.37%
ROIC(3y)3.9%
ROIC(5y)3.3%
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 3Y4.53%
ROICexgc growth 5Y10.62%
ROICexc growth 3Y4.41%
ROICexc growth 5Y11.45%
OM growth 3Y-1.76%
OM growth 5Y6.38%
PM growth 3Y-5.7%
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 | 17.65 | ||
| Debt/EBITDA | 5.76 | ||
| Cap/Depr | 71.21% | ||
| Cap/Sales | 1.05% | ||
| Interest Coverage | 13.75 | ||
| Cash Conversion | 37.48% | ||
| Profit Quality | 54.18% | ||
| Current Ratio | 7.19 | ||
| Quick Ratio | 7.19 | ||
| Altman-Z | 1.43 |
F-Score4
WACC4.77%
ROIC/WACC1.09
Cap/Depr(3y)72.42%
Cap/Depr(5y)72.13%
Cap/Sales(3y)1.63%
Cap/Sales(5y)1.85%
Profit Quality(3y)127.93%
Profit Quality(5y)143.15%
High Growth Momentum
Growth
EPS 1Y (TTM)-7.71%
EPS 3Y5.27%
EPS 5Y12.53%
EPS Q2Q%-20.84%
EPS Next Y-11.68%
EPS Next 2Y-4.93%
EPS Next 3Y-1.75%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)4.37%
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-5.5%
EBIT growth 3Y9.66%
EBIT growth 5Y12.94%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-22.03%
FCF growth 3Y1.71%
FCF growth 5Y6.91%
OCF growth 1Y-17.48%
OCF growth 3Y2.59%
OCF growth 5Y7.34%
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 -11.68% in the next year.