COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - EPA:COFA - FR0010667147 - Common Stock
14.89 EUR
-0.01 (-0.07%)
Taking everything into account, COFA scores 6 out of 10 in our fundamental rating. COFA was compared to 40 industry peers in the Insurance industry. COFA scores excellent on profitability, but 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. 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
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.
Each year in the past 5 years COFA had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.37%, COFA belongs to the top of the industry, outperforming 97.50% of the companies in the same industry.
With a decent Return On Equity value of 16.59%, COFA is doing good in the industry, outperforming 67.50% 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 97.50% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for COFA is in line with the industry average of 2.35%.
The 3 year average ROIC (3.90%) for COFA is below the current ROIC(5.18%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.37% | ||
| ROE | 16.59% | ||
| ROIC | 5.18% |
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
Looking at the Profit Margin, with a value of 13.56%, COFA belongs to the top of the industry, outperforming 82.50% of the companies in the same industry.
COFA's Profit Margin has improved in the last couple of years.
The Operating Margin of COFA (20.93%) is better than 85.00% 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 1.42, we must say that COFA is in the distress zone and has some risk of bankruptcy.
COFA has a Altman-Z score of 1.42. This is amongst the best in the industry. COFA outperforms 95.00% of its industry peers.
COFA has a debt to FCF ratio of 17.59. This is a negative value and a sign of low solvency as COFA would need 17.59 years to pay back of all of its debts.
COFA has a Debt to FCF ratio of 17.59. This is in the lower half of the industry: COFA underperforms 62.50% 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 has a worse Debt to Equity ratio (1.58) than 85.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.59 | ||
| Altman-Z | 1.42 |
ROIC/WACC1.21
WACC4.27%
2.3 Liquidity
A Current Ratio of 7.19 indicates that COFA has no problem at all paying its short term obligations.
COFA's Current ratio of 7.19 is amongst the best of the industry. COFA outperforms 97.50% of its industry peers.
COFA has a Quick Ratio of 7.19. This indicates that COFA is financially healthy and has no problem in meeting its short term obligations.
COFA's Quick ratio of 7.19 is amongst the best of the industry. COFA outperforms 97.50% 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 -7.77% in the last year.
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%.
COFA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.17% yearly.
EPS 1Y (TTM)-7.77%
EPS 3Y5.28%
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.
The Revenue is expected to grow by 3.94% on average over the next years.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
COFA is valuated cheaply with a Price/Earnings ratio of 6.20.
Based on the Price/Earnings ratio, COFA is valued cheaper than 95.00% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.89, COFA is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.73, the valuation of COFA can be described as reasonable.
80.00% of the companies in the same industry are more expensive than COFA, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, COFA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.2 | ||
| Fwd PE | 8.73 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of COFA indicates a somewhat cheap valuation: COFA is cheaper than 65.00% of the companies listed in the same industry.
COFA's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.52 | ||
| EV/EBITDA | 8.95 |
4.3 Compensation for Growth
The excellent profitability rating of COFA may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.5
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
5. Dividend
5.1 Amount
COFA has a Yearly Dividend Yield of 9.36%, which is a nice return.
COFA's Dividend Yield is rather good when compared to the industry average which is at 4.50. COFA pays more dividend than 100.00% of the companies in the same industry.
COFA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.36% |
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
58.62% 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.
DP58.62%
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
EPA:COFA (11/17/2025, 5:29:52 PM)
14.89
-0.01 (-0.07%)
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 Cap2.24B
Revenue(TTM)2.63B
Net Income(TTM)357.19M
Analysts78.18
Price Target18.58 (24.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.36% |
Yearly Dividend1.3
Dividend Growth(5Y)30.56%
DP58.62%
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%
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 | 6.2 | ||
| Fwd PE | 8.73 | ||
| P/S | 0.85 | ||
| P/FCF | 11.52 | ||
| P/OCF | 10.1 | ||
| P/B | 1.04 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | 8.95 |
EPS(TTM)2.4
EY16.12%
EPS(NY)1.71
Fwd EY11.45%
FCF(TTM)1.29
FCFY8.68%
OCF(TTM)1.47
OCFY9.9%
SpS17.54
BVpS14.34
TBVpS12.74
PEG (NY)N/A
PEG (5Y)0.5
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 | 7.37% |
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 Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.59 | ||
| Debt/EBITDA | 5.76 | ||
| Cap/Depr | 71.36% | ||
| Cap/Sales | 1.04% | ||
| Interest Coverage | 13.62 | ||
| Cash Conversion | 37.56% | ||
| Profit Quality | 54.34% | ||
| Current Ratio | 7.19 | ||
| Quick Ratio | 7.19 | ||
| Altman-Z | 1.42 |
F-Score4
WACC4.27%
ROIC/WACC1.21
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)-7.77%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-20.84%
EPS Next Y-8.13%
EPS Next 2Y-2.14%
EPS Next 3Y0.46%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%-0.99%
Revenue Next Year3.55%
Revenue Next 2Y3.85%
Revenue Next 3Y3.94%
Revenue Next 5YN/A
EBIT growth 1Y-5.45%
EBIT growth 3Y9.68%
EBIT growth 5Y12.95%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-21.76%
FCF growth 3Y1.78%
FCF growth 5Y6.95%
OCF growth 1Y-17.35%
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.