(COFA) Coface - Ratings and Ratios
Trade Credit Insurance, Debt Protection, Business Rating
COFA EPS (Earnings per Share)
COFA Revenue
Description: COFA Coface
Coface SA (COFA) is a French property and casualty insurance company listed on the Paris stock exchange. The companys stock is classified under the GICS sub-industry of Property & Casualty Insurance. Key economic drivers for Coface include global trade volumes, corporate credit risk, and economic growth, particularly in emerging markets where the company has a significant presence.
The companys financial performance is reflected in its return on equity (RoE) of 14.30%, indicating a relatively strong ability to generate profits from shareholders equity. The price-to-earnings (P/E) ratio of 9.83 suggests that Cofaces stock may be undervalued relative to its earnings, potentially making it an attractive investment opportunity. Additionally, the market capitalization of 2405.13M EUR indicates a significant market presence.
To further evaluate Cofaces performance, key performance indicators (KPIs) such as the combined ratio, loss ratio, and revenue growth rate should be monitored. The combined ratio, which measures the companys underwriting profitability, is a crucial metric for property and casualty insurers. A lower combined ratio indicates better underwriting performance. Revenue growth rate is also essential, as it reflects the companys ability to expand its business and increase its market share.
From a trading perspective, Cofaces stock has shown relatively low volatility, with an average true range (ATR) of 0.23, equivalent to 1.44%. The stocks beta of 0.682 indicates that it is less volatile than the overall market, making it potentially appealing to risk-averse investors. However, the current price of 15.99 is below the short-term moving averages (SMA20 and SMA50), suggesting a potential short-term downtrend.
COFA Stock Overview
| Market Cap in USD | 2,726m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception |
COFA Stock Ratings
| Growth Rating | 84.1% |
| Fundamental | 62.9% |
| Dividend Rating | 77.1% |
| Return 12m vs S&P 500 | -6.20% |
| Analyst Rating | - |
COFA Dividends
| Dividend Yield 12m | 9.18% |
| Yield on Cost 5y | 33.90% |
| Annual Growth 5y | 33.21% |
| Payout Consistency | 72.3% |
| Payout Ratio | 85.9% |
COFA Growth Ratios
| Growth Correlation 3m | -49.4% |
| Growth Correlation 12m | 71.2% |
| Growth Correlation 5y | 97.1% |
| CAGR 5y | 22.80% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.16 |
| CAGR/Mean DD 3y (Pain Ratio) | 4.69 |
| Sharpe Ratio 12m | 1.29 |
| Alpha | -2.12 |
| Beta | 0.664 |
| Volatility | 18.63% |
| Current Volume | 241k |
| Average Volume 20d | 133.3k |
| Stop Loss | 14.7 (-3.6%) |
| Signal | -1.22 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (243.0m TTM) > 0 and > 6% of Revenue (6% = 107.9m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -2.31pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 165.2% (prev 41.98%; Δ 123.2pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 167.5m <= Net Income 243.0m (YES >=105%, WARN >=100%) |
| Net Debt (1.36b) to EBITDA (417.2m) ratio: 3.27 <= 3.0 (WARN <= 3.5) |
| Current Ratio 8.26 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (149.3m) change vs 12m ago -0.00% (target <= -2.0% for YES) |
| Gross Margin 97.92% (prev 80.33%; Δ 17.59pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 22.57% (prev 22.17%; Δ 0.40pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 9.19 (EBITDA TTM 417.2m / Interest Expense TTM 41.2m) >= 6 (WARN >= 3) |
Altman Z'' 3.45
| (A) 0.37 = (Total Current Assets 3.38b - Total Current Liabilities 409.1m) / Total Assets 8.07b |
| (B) 0.14 = Retained Earnings (Balance) 1.14b / Total Assets 8.07b |
| (C) 0.05 = EBIT TTM 378.0m / Avg Total Assets 7.97b |
| (D) 0.24 = Book Value of Equity 1.44b / Total Liabilities 5.97b |
| Total Rating: 3.45 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.91
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 13.64% = 5.0 |
| 3. FCF Margin 7.79% = 1.95 |
| 4. Debt/Equity 0.86 = 2.14 |
| 5. Debt/Ebitda 3.27 = -2.10 |
| 6. ROIC - WACC (= 2.31)% = 2.89 |
| 7. RoE 11.26% = 0.94 |
| 8. Rev. Trend 23.30% = 1.75 |
| 9. EPS Trend 26.86% = 1.34 |
What is the price of COFA shares?
Over the past week, the price has changed by -4.09%, over one month by -2.43%, over three months by -4.81% and over the past year by +9.21%.
Is Coface a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of COFA is around 17.94 EUR . This means that COFA is currently undervalued and has a potential upside of +17.64% (Margin of Safety).
Is COFA a buy, sell or hold?
What are the forecasts/targets for the COFA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 18.3 | 19.9% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 19.4 | 27% |
COFA Fundamental Data Overview
Market Cap EUR = 2.34b (2.34b EUR * 1.0 EUR.EUR)
P/E Trailing = 9.4785
P/S = 1.2277
P/B = 1.1463
Beta = 0.664
Revenue TTM = 1.80b EUR
EBIT TTM = 378.0m EUR
EBITDA TTM = 417.2m EUR
Long Term Debt = 1.74b EUR (from longTermDebt, last quarter)
Short Term Debt = 1.65m EUR (from shortTermDebt, last fiscal year)
Debt = 1.80b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.36b EUR (from netDebt column, last quarter)
Enterprise Value = 1.03b EUR (2.34b + Debt 1.80b - CCE 3.11b)
Interest Coverage Ratio = 9.19 (Ebit TTM 378.0m / Interest Expense TTM 41.2m)
FCF Yield = 13.64% (FCF TTM 140.1m / Enterprise Value 1.03b)
FCF Margin = 7.79% (FCF TTM 140.1m / Revenue TTM 1.80b)
Net Margin = 13.51% (Net Income TTM 243.0m / Revenue TTM 1.80b)
Gross Margin = 97.92% ((Revenue TTM 1.80b - Cost of Revenue TTM 37.4m) / Revenue TTM)
Gross Margin QoQ = 88.44% (prev 89.74%)
Tobins Q-Ratio = 0.13 (Enterprise Value 1.03b / Total Assets 8.07b)
Interest Expense / Debt = 0.56% (Interest Expense 10.1m / Debt 1.80b)
Taxrate = 26.26% (22.2m / 84.6m)
NOPAT = 278.8m (EBIT 378.0m * (1 - 26.26%))
Current Ratio = 8.26 (Total Current Assets 3.38b / Total Current Liabilities 409.1m)
Debt / Equity = 0.86 (Debt 1.80b / totalStockholderEquity, last quarter 2.10b)
Debt / EBITDA = 3.27 (Net Debt 1.36b / EBITDA 417.2m)
Debt / FCF = 9.73 (Net Debt 1.36b / FCF TTM 140.1m)
Total Stockholder Equity = 2.16b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.01% (Net Income 243.0m / Total Assets 8.07b)
RoE = 11.26% (Net Income TTM 243.0m / Total Stockholder Equity 2.16b)
RoCE = 9.71% (EBIT 378.0m / Capital Employed (Equity 2.16b + L.T.Debt 1.74b))
RoIC = 7.27% (NOPAT 278.8m / Invested Capital 3.84b)
WACC = 4.96% (E(2.34b)/V(4.14b) * Re(8.46%) + D(1.80b)/V(4.14b) * Rd(0.56%) * (1-Tc(0.26)))
Discount Rate = 8.46% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.11%
[DCF Debug] Terminal Value 74.36% ; FCFE base≈211.2m ; Y1≈182.6m ; Y5≈144.9m
Fair Price DCF = 16.41 (DCF Value 2.45b / Shares Outstanding 149.3m; 5y FCF grow -16.49% → 3.0% )
EPS Correlation: 26.86 | EPS CAGR: 3.33% | SUE: 0.52 | # QB: 0
Revenue Correlation: 23.30 | Revenue CAGR: -11.40% | SUE: -0.11 | # QB: 0