How does COFA.F's PE Ratio compare to its peers?

COFA.F is good value based on its Price-To-Earnings Ratio (8.8x) compared to the peer average (9.9x).

How does COFA.F's PE Ratio compare vs other companies in the US Insurance Industry?

COFA.F is good value based on its Price-To-Earnings Ratio (8.8x) compared to the US Insurance industry average (13.1x).

What is COFA.F's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate COFA.F's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of COFA.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

COFA.F ($14.85) is trading below our estimate of [[fair value]] ($20.09)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

COFA.F Stock Overview

Through its subsidiaries, provides credit insurance products and related services for microenterprises, small and medium enterprises, mid-market companies, international corporations, financial institutions, and clients of distribution partners. More details

COFA.F fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	3/6
Financial Health	3/6
Dividends	4/6

Rewards

Trading at 26.1% below our estimate of its fair value

Earnings have grown 17.6% per year over the past 5 years

Risk Analysis

Earnings are forecast to decline by an average of 1.9% per year for the next 3 years

Shares are highly illiquid

Debt is not well covered by operating cash flow

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

COFACE SA Competitors

Mercury General

NYSE:MCY

US$2.7b

Fidelis Insurance Holdings

NYSE:FIHL

US$1.9b

Palomar Holdings

NasdaqGS:PLMR

US$2.9b

Hamilton Insurance Group

NYSE:HG

US$2.0b

Price History & Performance

Summary of share price highs, lows and changes for COFACE
Historical stock prices
Current Share Price	€14.85
52 Week High	€17.40
52 Week Low	€13.41
Beta	1.0
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	9.56%

Recent updates

Shareholder Returns

	COFA.F	US Insurance	US Market
7D	0%	4.6%	3.2%
1Y	n/a	21.2%	24.2%

Return vs Industry: Insufficient data to determine how COFA.F performed against the US Insurance industry.

Return vs Market: Insufficient data to determine how COFA.F performed against the US Market.

Price Volatility

Is COFA.F's price volatile compared to industry and market?
COFA.F volatility
COFA.F Average Weekly Movement	n/a
Insurance Industry Average Movement	4.1%
Market Average Movement	6.5%
10% most volatile stocks in US Market	18.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: COFA.F's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine COFA.F's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1946	4,100	Xavier Durand	www.coface.com

COFACE SA, through its subsidiaries, provides credit insurance products and related services for microenterprises, small and medium enterprises, mid-market companies, international corporations, financial institutions, and clients of distribution partners. The company offers credit insurance products to protect companies against default on payment of its trade receivables. It also provides integrated credit management solutions comprising credit insurance, single risk insurance, business information and debt collection services for insured and uninsured businesses; and factoring services, as well as contract and environmental surety, customs and excise, and legal bonds; and payment guarantees.

COFACE SA Fundamentals Summary

How do COFACE's earnings and revenue compare to its market cap?
COFA.F fundamental statistics
Market cap	US$2.34b
Earnings (TTM)	US$266.33m
Revenue (TTM)	US$1.95b

8.8x

P/E Ratio

1.2x

P/S Ratio

Is COFA.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
COFA.F income statement (TTM)
Revenue	€1.89b
Cost of Revenue	€680.23m
Gross Profit	€1.21b
Other Expenses	€949.50m
Earnings	€258.48m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 20, 2025

Earnings per share (EPS)	1.73
Gross Margin	63.97%
Net Profit Margin	13.69%
Debt/Equity Ratio	169.5%

How did COFA.F perform over the long term?

See historical performance and comparison

Dividends

8.6%

Current Dividend Yield

75%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/20 10:55
End of Day Share Price	2024/12/10 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

COFACE SA is covered by 12 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Benoit De Broissia	Banco BPI, S.A.
Aurelia Sarah Faure	Banco Santander
Michael Huttner	Berenberg

COFACE OTCPK:COFA.F Stock Report