COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - EPA:COFA - FR0010667147 - Common Stock
14.55 EUR
+0.08 (+0.55%)
Taking everything into account, COFA scores 6 out of 10 in our fundamental rating. COFA was compared to 39 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. Finally 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
In the past year COFA was profitable.
In the past year COFA had a positive cash flow from operations.
Each year in the past 5 years COFA has been profitable.
In the past 5 years COFA always reported a positive cash flow from operatings.
1.2 Ratios
COFA's Return On Assets of 4.59% is amongst the best of the industry. COFA outperforms 97.44% of its industry peers.
Looking at the Return On Equity, with a value of 17.64%, COFA is in the better half of the industry, outperforming 79.49% of the companies in the same industry.
COFA has a better Return On Invested Capital (5.47%) than 97.44% 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 2.23%.
The last Return On Invested Capital (5.47%) for COFA is above the 3 year average (3.90%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.59% | ||
| ROE | 17.64% | ||
| ROIC | 5.47% |
ROA(3y)3.34%
ROA(5y)2.84%
ROE(3y)12.55%
ROE(5y)10.37%
ROIC(3y)3.9%
ROIC(5y)3.29%
1.3 Margins
COFA has a Profit Margin of 14.03%. This is amongst the best in the industry. COFA outperforms 82.05% of its industry peers.
COFA's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 21.75%, COFA belongs to the top of the industry, outperforming 89.74% of the companies in the same industry.
In the last couple of years the Operating Margin of COFA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.75% | ||
| PM (TTM) | 14.03% | ||
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), COFA is creating some value.
The number of shares outstanding for COFA has been increased compared to 1 year ago.
Compared to 5 years ago, COFA has less shares outstanding
Compared to 1 year ago, COFA has an improved debt to assets ratio.
2.2 Solvency
COFA has an Altman-Z score of 1.42. 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 (1.42) than 94.87% of its industry peers.
The Debt to FCF ratio of COFA is 21.39, which is on the high side as it means it would take COFA, 21.39 years of fcf income to pay off all of its debts.
COFA has a worse Debt to FCF ratio (21.39) than 64.10% of its industry peers.
A Debt/Equity ratio of 1.61 is on the high side and indicates that COFA has dependencies on debt financing.
With a Debt to Equity ratio value of 1.61, COFA is not doing good in the industry: 84.62% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.61 | ||
| Debt/FCF | 21.39 | ||
| Altman-Z | 1.42 |
ROIC/WACC1.25
WACC4.38%
2.3 Liquidity
A Current Ratio of 7.14 indicates that COFA has no problem at all paying its short term obligations.
COFA has a Current ratio of 7.14. This is amongst the best in the industry. COFA outperforms 97.44% of its industry peers.
COFA has a Quick Ratio of 7.14. This indicates that COFA is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 7.14, COFA belongs to the best of the industry, outperforming 97.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 7.14 | ||
| Quick Ratio | 7.14 |
3. Growth
3.1 Past
The earnings per share for COFA have decreased by -3.12% in the last year.
The Earnings Per Share has been growing by 12.53% on average over the past years. This is quite good.
Looking at the last year, COFA shows a small growth in Revenue. The Revenue has grown by 4.62% 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)-3.12%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-12.44%
Revenue 1Y (TTM)4.62%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%4.77%
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 3.94% on average per year.
EPS Next Y-8.13%
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
EPS Next 5Y-2.06%
Revenue Next Year3.55%
Revenue Next 2Y3.85%
Revenue Next 3Y3.94%
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 5.84, the valuation of COFA can be described as very cheap.
COFA's Price/Earnings ratio is rather cheap when compared to the industry. COFA is cheaper than 94.87% of the companies in the same industry.
When comparing the Price/Earnings ratio of COFA to the average of the S&P500 Index (26.06), we can say COFA is valued rather cheaply.
The Price/Forward Earnings ratio is 8.53, which indicates a very decent valuation of COFA.
Based on the Price/Forward Earnings ratio, COFA is valued a bit cheaper than 79.49% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of COFA to the average of the S&P500 Index (32.73), we can say COFA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.84 | ||
| Fwd PE | 8.53 |
4.2 Price Multiples
66.67% of the companies in the same industry are more expensive than COFA, based on the Enterprise Value to EBITDA ratio.
COFA's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.72 | ||
| 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)0.47
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
5. Dividend
5.1 Amount
COFA has a Yearly Dividend Yield of 9.68%, which is a nice return.
COFA's Dividend Yield is rather good when compared to the industry average which is at 4.62. COFA pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.68% |
5.2 History
The dividend of COFA is nicely growing with an annual growth rate of 30.56%!
Dividend Growth(5Y)30.56%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
56.57% 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.
DP56.57%
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
EPA:COFA (11/7/2025, 7:00:00 PM)
14.55
+0.08 (+0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners58.18%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap2.19B
Revenue(TTM)2.64B
Net Income(TTM)370.13M
Analysts78.18
Price Target18.58 (27.7%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.68% |
Yearly Dividend1.3
Dividend Growth(5Y)30.56%
DP56.57%
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)-0.5%
EPS NY rev (3m)-6.06%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.84 | ||
| Fwd PE | 8.53 | ||
| P/S | 0.83 | ||
| P/FCF | 13.72 | ||
| P/OCF | 11.71 | ||
| P/B | 1.04 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | 9.12 |
EPS(TTM)2.49
EY17.11%
EPS(NY)1.71
Fwd EY11.72%
FCF(TTM)1.06
FCFY7.29%
OCF(TTM)1.24
OCFY8.54%
SpS17.57
BVpS13.97
TBVpS12.39
PEG (NY)N/A
PEG (5Y)0.47
Graham Number27.98
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.59% | ||
| ROE | 17.64% | ||
| ROCE | 7.57% | ||
| ROIC | 5.47% | ||
| ROICexc | 5.47% | ||
| ROICexgc | 5.64% | ||
| OM | 21.75% | ||
| PM (TTM) | 14.03% | ||
| GM | N/A | ||
| FCFM | 6.04% |
ROA(3y)3.34%
ROA(5y)2.84%
ROE(3y)12.55%
ROE(5y)10.37%
ROIC(3y)3.9%
ROIC(5y)3.29%
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 3Y4.54%
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 Turnover0.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.61 | ||
| Debt/FCF | 21.39 | ||
| Debt/EBITDA | 5.51 | ||
| Cap/Depr | 69.14% | ||
| Cap/Sales | 1.03% | ||
| Interest Coverage | 13.99 | ||
| Cash Conversion | 30.42% | ||
| Profit Quality | 43.03% | ||
| Current Ratio | 7.14 | ||
| Quick Ratio | 7.14 | ||
| Altman-Z | 1.42 |
F-Score4
WACC4.38%
ROIC/WACC1.25
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)-3.12%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-12.44%
EPS Next Y-8.13%
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)4.62%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%4.77%
Revenue Next Year3.55%
Revenue Next 2Y3.85%
Revenue Next 3Y3.94%
Revenue Next 5YN/A
EBIT growth 1Y0%
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-47.7%
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 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 -8.13% in the next year.