COFACE SA
COFACE SA Fundamental Analysis
COFACE SA (COFA.PA) shows moderate financial fundamentals with a PE ratio of 10.29, profit margin of 12.43%, and ROE of 10.21%. The company generates $1.8B in annual revenue with weak year-over-year growth of 2.92%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 43.5/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze COFA.PA's fundamental strength across five key dimensions:
Efficiency Score
WeakCOFA.PA struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCOFA.PA trades at attractive valuation levels.
Growth Score
WeakCOFA.PA faces weak or negative growth trends.
Financial Health Score
ModerateCOFA.PA shows balanced financial health with some risks.
Profitability Score
WeakCOFA.PA struggles to sustain strong margins.
Key Financial Metrics
Is COFA.PA Expensive or Cheap?
P/E Ratio
COFA.PA trades at 10.29 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, COFA.PA's PEG of -2.66 indicates potential undervaluation.
Price to Book
The market values COFACE SA at 1.03 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 1.17 times EBITDA. This is generally considered low.
How Well Does COFA.PA Make Money?
Net Profit Margin
For every $100 in sales, COFACE SA keeps $12.43 as profit after all expenses.
Operating Margin
Core operations generate 16.90 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.21 in profit for every $100 of shareholder equity.
ROA
COFACE SA generates $2.74 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
COFACE SA produces operating cash flow of $197.47M, showing steady but balanced cash generation.
Free Cash Flow
COFACE SA produces free cash flow of $162.07M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $1.09 in free cash annually.
FCF Yield
COFA.PA converts 7.18% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.29
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-2.66
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.03
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.27
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.06
vs 25 benchmark
Current Ratio
Current assets to current liabilities
3.77
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How COFA.PA Stacks Against Its Sector Peers
| Metric | COFA.PA Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.29 | 18.59 | Better (Cheaper) |
| ROE | 10.21% | 801.00% | Weak |
| Net Margin | 12.43% | -498.00% (disorted) | Strong |
| Debt/Equity | 1.06 | 0.98 | Neutral |
| Current Ratio | 3.77 | 661.40 | Strong Liquidity |
| ROA | 2.74% | -21324.00% (disorted) | Weak |
COFA.PA outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews COFACE SA's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
27.56%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
80.11%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
44.40%
Industry Style: Value, Dividend, Cyclical
High Growth