COFACE SA (COFA.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:COFA - FR0010667147 - Common Stock
15.57 EUR
+0.05 (+0.32%)
Overall COFA gets a fundamental rating of 6 out of 10. We evaluated COFA against 45 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
COFA had positive earnings in the past year.
In the past year COFA had a positive cash flow from operations.
COFA had positive earnings in each of the past 5 years.
Each year in the past 5 years COFA had a positive operating cash flow.
1.2 Ratios
COFA has a better Return On Assets (4.37%) than 91.11% of its industry peers.
The Return On Equity of COFA (16.58%) is better than 62.22% of its industry peers.
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.
COFA had an Average Return On Invested Capital over the past 3 years of 3.90%. This 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
Looking at the Profit Margin, with a value of 13.56%, COFA belongs to the top of the industry, outperforming 82.22% 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 20.92%, COFA belongs to the top of the industry, outperforming 82.22% 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 | 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.
Compared to 1 year ago, COFA has about the same amount of shares outstanding.
Compared to 5 years ago, COFA has less shares outstanding
COFA has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.43, we must say that COFA is in the distress zone and 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.
Looking at the Debt to FCF ratio, with a value of 17.65, COFA is doing worse than 68.89% of the companies in the same industry.
COFA has a Debt/Equity ratio of 1.58. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.58, COFA is not doing good in the industry: 86.67% of the companies in the same industry are doing better.
| 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.
Looking at the Current ratio, with a value of 7.19, COFA belongs to the top 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.
Looking at the Quick ratio, with a value of 7.19, COFA belongs to the top 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.
Looking at the last year, COFA shows a small growth in Revenue. The Revenue has grown by 4.37% 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)-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
COFA is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.06% yearly.
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.
Compared to the rest of the industry, the Price/Earnings ratio of COFA indicates a rather cheap valuation: COFA is cheaper than 95.56% of the companies listed in the same industry.
COFA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.59.
With a Price/Forward Earnings ratio of 9.67, the valuation of COFA can be described as very reasonable.
Based on the Price/Forward Earnings ratio, COFA is valued a bit cheaper than the industry average as 75.56% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of COFA to the average of the S&P500 Index (24.03), we can say COFA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.49 | ||
| Fwd PE | 9.67 |
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 71.11% 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 | 12.09 | ||
| EV/EBITDA | 9.1 |
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
COFA has a Yearly Dividend Yield of 9.06%, which is a nice return.
COFA's Dividend Yield is rather good when compared to the industry average which is at 3.95. 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 1.87.
| 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
58.55% 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.
DP58.55%
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 | 9.1 |
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.