COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - EPA:COFA - FR0010667147 - Common Stock
14.9 EUR
+0.08 (+0.54%)
We assign a fundamental rating of 6 out of 10 to COFA. COFA was compared to 40 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. Finally COFA also has an excellent dividend rating. These ratings would make COFA suitable 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.
Each year in the past 5 years COFA had a positive operating cash flow.
1.2 Ratios
COFA has a Return On Assets of 4.37%. This is amongst the best in the industry. COFA outperforms 97.50% of its industry peers.
COFA's Return On Equity of 16.59% is fine compared to the rest of the industry. COFA outperforms 67.50% of its industry peers.
COFA has a better Return On Invested Capital (5.18%) than 97.50% 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 2.35%.
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
COFA's Profit Margin of 13.56% is amongst the best of the industry. COFA outperforms 82.50% of its industry peers.
COFA's Profit Margin has improved in the last couple of years.
COFA's Operating Margin of 20.93% is amongst the best of the industry. COFA outperforms 85.00% of its industry peers.
In the last couple of years the Operating Margin of COFA has grown nicely.
| 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
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
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's Debt to FCF ratio of 17.59 is on the low side compared to the rest of the industry. COFA is outperformed by 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 Debt to Equity ratio of 1.58. This is amonst the worse of the industry: COFA underperforms 85.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 17.59 | ||
| Altman-Z | 1.42 |
ROIC/WACC1.22
WACC4.26%
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.
COFA has a better Current ratio (7.19) than 97.50% of its industry peers.
A Quick Ratio of 7.19 indicates that COFA has no problem at all paying its short term obligations.
The Quick ratio of COFA (7.19) is better than 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.
The Earnings Per Share has been growing by 12.53% on average over the past years. This is quite good.
The Revenue has been growing slightly by 4.37% in the past 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)-7.77%
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
COFA is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.06% yearly.
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 6.21.
Based on the Price/Earnings ratio, COFA is valued cheaply inside the industry as 95.00% of the companies are valued more expensively.
COFA is valuated cheaply when we compare the Price/Earnings ratio to 25.45, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.74, the valuation of COFA can be described as very reasonable.
80.00% of the companies in the same industry are more expensive than COFA, based on the Price/Forward Earnings ratio.
COFA is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.21 | ||
| Fwd PE | 8.74 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than the industry average as 65.00% of the companies are valued more expensively.
COFA's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.53 | ||
| EV/EBITDA | 8.93 |
4.3 Compensation for Growth
COFA has an outstanding profitability rating, which 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
With a Yearly Dividend Yield of 9.36%, COFA is a good candidate for dividend investing.
COFA's Dividend Yield is rather good when compared to the industry average which is at 4.50. COFA pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, COFA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.36% |
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
COFA pays out 58.62% of its income as dividend. 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 (11/21/2025, 7:00:00 PM)
14.9
+0.08 (+0.54%)
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 (24.7%)
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 | 6.21 | ||
| Fwd PE | 8.74 | ||
| P/S | 0.85 | ||
| P/FCF | 11.53 | ||
| P/OCF | 10.1 | ||
| P/B | 1.04 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | 8.93 |
EPS(TTM)2.4
EY16.11%
EPS(NY)1.71
Fwd EY11.45%
FCF(TTM)1.29
FCFY8.67%
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
WACC4.26%
ROIC/WACC1.22
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.