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    Financial Services

  3. •

    Insurance - Specialty
Coface S.A.

Coface S.A.

COFA.PA
Coface S.A.undefined flagEuronext Paris
15.40
EUR
+0.13
- -
2.30BMarket Cap
Coface S.A.
COFA.PA
(Euronext Paris)

Recent

price

15.40

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
50.28
8.17
8.37
8.32
8.37
8.72
8.27
7.83
8.03
8.6
7.41
8.6
10.56
10.75
11.04
11.14
8.41
Revenue per Share
3.44
0.41
0.79
0.81
0.8
0.8
0.26
0.53
0.79
0.97
0.55
1.5
1.61
1.61
1.75
1.49
1.08
Basic EPS, GAAP
-15.68
1.62
-0.01
0.89
1.59
1.74
0.79
1.23
0.68
1.54
1.07
2.08
2.84
1.8
2.19
1.42
0.77
Free Cash Flow per Basic Share
- -
0.17
- -
0.41
1.46
0.48
0.48
0.13
0.34
0.79
- -
0.55
1.5
1.52
1.3
1.4
- -
Dividend per Share
20.96
5.75
6.68
7.05
7.83
8.63
5.47
5.84
2.79
2.98
2.57
8.47
3.63
3.63
3.76
3.5
10.78
Book Value per Share
32.6
8.81
9.73
9.9
9.51
9.82
9.85
10.11
10.3
11.27
11.76
13.42
11.96
12.17
13.1
13.08
13.35
Tangible Book Value per Share
33
157
157
157
157
157
157
157
154
151
150
149
149
149
149
149
149
Basic Weighted Avg Shares
1,684
1,281
1,312
1,304
1,314
1,369
1,298
1,228
1,237
1,301
1,114
1,282
1,574
1,602
1,649
1,662
1,255
Sales/Revenue/Turnover
- -
- -
- -
15.1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
61
63
12
10
21
21
51
-12
-5
43
39
30
41
41
38
34
22
Depreciation Expense
115
64
124
127
125
126
42
83
122
147
83
224
240
240
261
222
161
Net Income, GAAP
26.87
40.02
33.15
34.48
32.41
27.75
53.37
40.12
34.33
27.42
36
23.17
26.53
26.79
28.73
23.65
25.74
Effective Tax Rate (%)
6.84
4.97
9.46
9.77
9.51
9.22
3.2
6.77
9.89
11.28
7.44
17.46
15.27
15.02
15.83
13.35
12.86
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
580
13
1,123
1,357
1,930
2,006
1,979
2,025
1,926
2,021
1,903
1,971
2,404
2,555
2,391
2,343
1,895
LT Debt
1,396
1,643
1,776
1,793
1,725
1,767
1,761
1,803
1,806
1,925
1,999
2,230
2,021
2,053
2,196
2,215
2,257
Total Equity
- -
- -
- -
4.08
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
9.69
5.91
8.01
5.52
4.75
4.24
1.6
3.26
5.04
6.72
4.07
8.7
8.48
8.78
9.64
8.68
5.32
Return on Capital (%)
18.11
7.93
12.73
11.84
10.71
9.77
3.75
9.38
18.18
33.31
19.79
27.14
26.67
44.47
47.37
40.97
10.09
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
2,275
1,827
LT Finance Leases
- -
68
69
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
149
150
Market Capitalization
2,370
2,345
2,228

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
3,211
3,176
Accounts Receivable, Net
- -
3,102
3,532
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.43%
2.33%
0.89%
Free Cash Flow
12.68%
15.95%
-34.98%
Net Income, GAAP
22.77%
34.2%
-14.96%
Sales/Revenue/Turnover
2.43%
8.67%
0.83%
Total Cash Common Dividend
- -
27.29%
7.58%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
411
411
408
419
1,649
2025
419
430
- -
411
1,662
2026
414
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.46
- -
0.44
0.36
1.75
2025
0.42
0.42
- -
0.31
1.49
2026
0.36
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.3
2025
- -
- -
- -
- -
1.4
2026
- -
- -
- -
- -
- -
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Business
Coface SA (COFA.PA) provides credit insurance and related risk management services to businesses worldwide. The company offers trade credit insurance to protect against non-payment risks; business information services including reports, credit scores, opinions, sector and country risk assessments; debt collection and receivable management; factoring solutions; and surety bonds through products such as single-buyer insurance and multi-buyer policies tailored for sectors including agri-food, automotive, chemicals, construction, energy, metals, manufacturing, services and trade. Coface operates in over 100 countries across Western Europe, Northern Europe, Central and Eastern Europe, the Mediterranean and Africa, North America, Latin America, and Asia-Pacific, serving more than 100,000 clients with coverage for exposures exceeding EUR715 billion. Founded in 1946 and headquartered in Bois-Colombes, France, Coface recently finalized the acquisition of Cedar Rose Group in July 2025 to strengthen information services in the Middle East and Africa; completed the acquisition of Novertur International SA (business-monitor.ch) in 2025 to enhance business information offerings in Switzerland; created a new Lloyd’s syndicate to provide AA-rated solutions for financial institution clients; appointed Joerg Diewald as Director of Information Services and Partnerships and Thibault Surer to lead a new technology division focused on data, connectivity and product innovation; and expanded leadership in Latin America with new hires to support growth in credit insurance, data management and debt recovery across the region.