COFACE SA (COFA.PA) Stock Fundamental Analysis
EPA:COFA - Euronext Paris - Matif - FR0010667147 - Common Stock - Currency: EUR
We assign a fundamental rating of 5 out of 10 to COFA. COFA was compared to 39 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 on the other hand it scores bad on growth.
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.
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 4.89%, COFA belongs to the best of the industry, outperforming 94.87% of the companies in the same industry.
COFA's Return On Equity of 18.00% is amongst the best of the industry. COFA outperforms 84.62% of its industry peers.
COFA's Return On Invested Capital of 5.62% is amongst the best of the industry. COFA outperforms 97.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 18% | ||
| ROIC | 5.62% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 15.31%, COFA belongs to the top of the industry, outperforming 87.18% of the companies in the same industry.
COFA's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 23.15%, COFA belongs to the top of the industry, outperforming 89.74% of the companies in the same industry.
COFA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.15% | ||
| PM (TTM) | 15.31% | ||
| GM | N/A |
OM growth 3Y-2.16%
OM growth 5Y6.11%
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) below the Cost of Capital (WACC), COFA is destroying value.
COFA has less shares outstanding than it did 5 years ago.
2.2 Solvency
COFA has an Altman-Z score of 1.47. This is a bad value and indicates that COFA is not financially healthy and even has some risk of bankruptcy.
With an excellent Altman-Z score value of 1.47, COFA belongs to the best of the industry, outperforming 97.44% of the companies in the same industry.
COFA has a debt to FCF ratio of 9.95. This is a negative value and a sign of low solvency as COFA would need 9.95 years to pay back of all of its debts.
COFA has a worse Debt to FCF ratio (9.95) than 64.10% of its industry peers.
COFA has a Debt/Equity ratio of 1.48. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.48, COFA is not doing good in the industry: 89.74% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 9.95 | ||
| Altman-Z | 1.47 |
ROIC/WACC0.98
WACC5.72%
2.3 Liquidity
COFA has a Current Ratio of 8.43. This indicates that COFA is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 8.43, COFA belongs to the best of the industry, outperforming 97.44% of the companies in the same industry.
COFA has a Quick Ratio of 8.43. This indicates that COFA is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 8.43, COFA belongs to the top of the industry, outperforming 97.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.43 | ||
| Quick Ratio | 8.43 |
3. Growth
3.1 Past
COFA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.17%.
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.
COFA shows a small growth in Revenue. In the last year, the Revenue has grown by 2.40%.
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)5.17%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-8.42%
Revenue 1Y (TTM)2.4%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%4.38%
3.2 Future
Based on estimates for the next years, COFA will show a decrease in Earnings Per Share. The EPS will decrease by -2.06% on average per year.
COFA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.40% yearly.
EPS Next Y-2.21%
EPS Next 2Y-0.82%
EPS Next 3Y1.58%
EPS Next 5Y-2.06%
Revenue Next Year3.34%
Revenue Next 2Y3.57%
Revenue Next 3Y4.4%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.22, which indicates a rather cheap valuation of COFA.
100.00% of the companies in the same industry are more expensive than COFA, based on the Price/Earnings ratio.
COFA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.18.
COFA is valuated reasonably with a Price/Forward Earnings ratio of 9.27.
COFA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. COFA is cheaper than 79.49% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.34. COFA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.22 | ||
| Fwd PE | 9.27 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, COFA is valued a bit cheaper than the industry average as 79.49% of the companies are valued more expensively.
COFA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. COFA is cheaper than 69.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.47 | ||
| EV/EBITDA | 8.15 |
4.3 Compensation for Growth
The decent profitability rating of COFA may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.5
EPS Next 2Y-0.82%
EPS Next 3Y1.58%
5. Dividend
5.1 Amount
COFA has a Yearly Dividend Yield of 8.47%, which is a nice return.
Compared to an average industry Dividend Yield of 4.54, COFA pays a better dividend. On top of this COFA pays more dividend than 97.44% of the companies listed in the same industry.
COFA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.47% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
49.20% of the earnings are spent on dividend by COFA. This is a bit on the high side, but may be sustainable.
DP49.2%
EPS Next 2Y-0.82%
EPS Next 3Y1.58%
EPA:COFA (7/16/2025, 5:29:46 PM)
16.245
+0.05 (+0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.78%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap2.44B
Analysts78.18
Price Target18.63 (14.68%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.47% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP49.2%
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)7.92%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)3.61%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.22 | ||
| Fwd PE | 9.27 | ||
| P/S | 0.95 | ||
| P/FCF | 7.47 | ||
| P/OCF | 6.9 | ||
| P/B | 1.11 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | 8.15 |
EPS(TTM)2.61
EY16.07%
EPS(NY)1.75
Fwd EY10.78%
FCF(TTM)2.18
FCFY13.39%
OCF(TTM)2.35
OCFY14.48%
SpS17.18
BVpS14.61
TBVpS13.01
PEG (NY)N/A
PEG (5Y)0.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 18% | ||
| ROCE | 7.78% | ||
| ROIC | 5.62% | ||
| ROICexc | 6.01% | ||
| ROICexgc | 6.6% | ||
| OM | 23.15% | ||
| PM (TTM) | 15.31% | ||
| GM | N/A | ||
| FCFM | 12.66% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y4.05%
ROICexcg growth 5Y10.32%
ROICexc growth 3Y3.94%
ROICexc growth 5Y11.14%
OM growth 3Y-2.16%
OM growth 5Y6.11%
PM growth 3Y-5.69%
PM growth 5Y5.69%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 9.95 | ||
| Debt/EBITDA | 5.12 | ||
| Cap/Depr | 71.2% | ||
| Cap/Sales | 1.04% | ||
| Interest Coverage | 12.09 | ||
| Cash Conversion | 55.65% | ||
| Profit Quality | 82.71% | ||
| Current Ratio | 8.43 | ||
| Quick Ratio | 8.43 | ||
| Altman-Z | 1.47 |
F-ScoreN/A
WACC5.72%
ROIC/WACC0.98
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)5.17%
EPS 3Y5.28%
EPS 5Y12.53%
EPS Q2Q%-8.42%
EPS Next Y-2.21%
EPS Next 2Y-0.82%
EPS Next 3Y1.58%
EPS Next 5Y-2.06%
Revenue 1Y (TTM)2.4%
Revenue growth 3Y11.62%
Revenue growth 5Y6.17%
Sales Q2Q%4.38%
Revenue Next Year3.34%
Revenue Next 2Y3.57%
Revenue Next 3Y4.4%
Revenue Next 5YN/A
EBIT growth 1Y10.23%
EBIT growth 3Y9.21%
EBIT growth 5Y12.66%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.51%
FCF growth 3Y1.78%
FCF growth 5Y6.95%
OCF growth 1Y20.08%
OCF growth 3Y2.62%
OCF growth 5Y7.36%