Coface SA

Coface SA

COFA · PA · Financial Services / Insurance - Reinsurance

16.16EUR+0.04 (+0.25%)

Price History

Full chart

Market Stats

Previous Close16.12
Open16.16
Day Range16.11 – 16.24
52-Week Range12.95 – 17.62
Volume46.44K
Market Cap2.35B
P/E (TTM)11.38
Forward P/E8.64
EPS1.38
Dividend Yield7.96%
Beta0.48
50-Day Avg16.10
200-Day Avg15.66

About

COFACE SA, through its subsidiaries, provides trade credit insurance products and services for small and medium enterprises, mid-market companies, international corporations, international companies, financial institutions, and clients of distribution partners. It offers insurance products, including TradeLiner; EasyLiner, a range of contracts for small and medium enterprises; GlobaLiner, that offers multinationals services, and management and oversight tools; CofaNet, a central internet portal that enables policyholders to manage their contracts; Coface Dashboard, a tool providing client risk analyses and reports; CofaMove, a mobile app that includes the key features of CofaNet; CofaServe, an API offer; and AlyX, a credit risk management software, as well as Single Risk medium-term insurance for commercial and political risks. The company also provides business information, debt collection, factoring and surety bonds services. In addition, it offers contract surety bonds, customs and excise bonds, environmental surety bonds, legal bonds for temporary employment companies, and payment guarantees. Further, the company provides Urba360, a universal risk business assessment; Full report that provides complete financial data, a score, a maximum recommended credit limit and debtor risk assessment using an 11-point scale; Snapshot report, an instant report that provides a summary of the key aspects needed to assess business partners; Score which determines a company's ability to meet its short-term financial commitments; Credit Opinions which provides a recommended outstanding amount for a company; compliance control tools; Portfolio Insights and Selectio, an interactive portfolio management tools; and Economic Insights. It has operations in Western Europe, Africa, Northern Europe, Central and Eastern Europe, the Mediterranean, North America, Latin America, and the Asia-Pacific. COFACE SA was founded in 1946 and is headquartered in Bois-Colombes, France.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Reinsurance
  • CEOMr. Xavier Pascal Durand
  • Employees5.19K
  • Headquarters1, Place Costes et Bellonte, Bois-Colombes, France, 92270, France
  • Websitehttps://www.coface.com

Leadership

  • Mr. Xavier Pascal DurandCEO & Chairman of Management Board · b. 1964
  • Ms. Phalla GervaisMember of Management Board, CFO & Risk Director · b. 1968
  • Ms. Carole LyttonGeneral Secretary & Member of Management Board · b. 1957
  • Ms. Carine PichonChief Executive Officer of Western Europe & Africa Region · b. 1973
  • Mr. Cyrille CharbonnelGroup Chief Underwriting Director & Member of Management Board · b. 1965
  • Mr. Nicolas GarciaGroup Commercial Director & Member of Management Board · b. 1974
  • Mr. Thibault SurerStrategy & Business Development Director and Member of Management Board · b. 1962
  • Mr. Keyvan ShamsaBusiness Technology Director & Member of Management Board · b. 1963
  • Mr. Pierre BevierreChief Human Resources Officer & Member of Management Board · b. 1968
  • Mr. Gonzague NoelGroup COO & Member of Management Board · b. 1976

Financials

Income Statement

Currency: EUR2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue871.07M1.00B990.00M901.00M869.86M1.27B1.35B1.46B1.54B1.59B1.68B1.28B1.31B1.30B1.31B1.37B1.30B1.23B1.24B1.30B1.11B1.28B1.57B1.60B1.65B1.90B
Growth (%)-+15.35%-1.47%-8.99%-3.46%+46.47%+5.80%+8.60%+5.16%+3.03%+6.18%-23.96%+2.47%-0.61%+0.74%+4.22%-5.25%-5.32%+0.70%+5.14%-14.33%+15.02%+22.83%+1.74%+2.95%+15.11%
Cost of Revenue-----187.61M187.67M216.00M219.13M241.67M232.54M227.50M232.33M256.87M262.88M274.05M255.29M266.21M248.42M250.51M244.47M267.11M170.13M196.67M196.48M191.43M
Gross Profit-----1.09B1.16B1.25B1.32B1.34B1.45B1.05B1.08B1.05B1.05B1.10B1.04B962.23M988.56M1.05B869.79M1.01B1.40B1.40B1.45B1.90B
Gross Margin-----85.28%86.08%85.25%85.77%84.76%86.19%82.24%82.30%80.31%79.99%79.99%80.32%78.33%79.92%80.74%78.06%79.16%89.19%87.72%88.08%100.00%
Operating Expense-----901.13M978.01M1.04B1.26B1.57B1.29B916.50M884.85M852.05M864.96M919.40M952.06M823.52M801.74M847.95M745.61M723.13M1.08B1.08B1.09B1.61B
Operating Income113.64M101.89M53.00M152.00M97.25M185.39M182.40M212.72M56.29M-223.40M160.13M136.67M195.15M195.39M186.18M175.96M90.18M138.70M186.82M202.15M124.18M291.39M327.64M328.66M366.27M291.59M
Operating Margin13.05%10.14%5.35%16.87%11.18%14.55%13.53%14.53%3.66%-14.08%9.51%10.67%14.87%14.98%14.17%12.85%6.95%11.29%15.10%15.54%11.14%22.74%20.81%20.52%22.21%15.36%
EBITDA-----250.55M281.10M247.55M74.89M-184.57M221.29M205.37M210.50M208.84M222.34M215.48M159.70M170.41M222.66M267.04M185.14M343.02M397.96M403.60M446.74M366.34M
EBITDA Margin-----19.66%20.85%16.91%4.86%-11.64%13.14%16.04%16.04%16.01%16.92%15.74%12.31%13.87%18.00%20.53%16.62%26.76%25.28%25.20%27.09%19.30%
Net Income-----116.75M114.57M163.50M40.88M-162.92M115.13M63.60M124.09M127.44M125.02M126.24M41.53M83.21M122.33M146.73M82.90M223.82M240.44M240.50M261.07M222.00M
Net Income Margin-----9.16%8.50%11.17%2.65%-10.27%6.84%4.97%9.46%9.77%9.51%9.22%3.20%6.77%9.89%11.28%7.44%17.46%15.27%15.02%15.83%11.70%
Interest Expense0000042.91M56.30M74.83M103.61M91.52M114.58M5.39M2.97M3.04M14.97M18.49M18.37M18.11M17.68M21.39M21.74M21.48M29.61M34.27M42.96M40.90M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%3.37%4.18%5.11%6.73%5.77%6.80%0.42%0.23%0.23%1.14%1.35%1.42%1.47%1.43%1.64%1.95%1.68%1.88%2.14%2.61%2.15%

Balance Sheet

Currency: EUR2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.96B2.22B2.45B2.67B3.06B3.95B5.20B6.57B7.10B6.82B7.64B7.30B6.08B5.99B6.59B6.88B7.06B7.22B7.22B7.38B7.55B7.27B8.45B7.90B8.08B8.09B
Total Liabilities1.41B1.64B1.90B2.05B2.43B3.06B4.18B5.39B5.93B5.73B6.24B5.66B4.31B4.20B4.86B5.12B5.30B5.42B5.41B5.46B5.55B5.04B6.49B5.85B5.89B5.87B
Total Equity508.70M533.52M540.00M609.00M626.61M893.14M1.01B1.18B1.17B1.08B1.39B1.63B1.76B1.78B1.72B1.76B1.76B920.54M939.26M1.92B2.00B2.23B1.34B2.05B2.19B2.21B
Cash54.82M111.69M105.00M76.00M135.79M151.00M200.90M383.05M260.99M285.83M271.94M242.87M257.01M273.92M278.62M396.84M332.07M264.32M302.42M320.78M400.97M362.44M553.79M495.56M507.83M501.46M
Total Debt-----166.66M220.26M312.02M392.60M466.94M579.82M2.68B1.13B1.36B1.93B2.01B1.98B3.70B3.87B2.02B1.90B1.97B3.44B2.56B2.39B2.34B
Net Debt-----15.66M19.36M-71.02M131.61M181.11M307.87M2.44B868.90M1.09B1.65B1.61B1.65B2.33B2.28B1.70B1.50B1.61B1.19B2.06B1.88B1.84B

Cash Flow

Currency: EUR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow267.08M37.34M218.46M-141.25M-111.67M-505.68M277.27M12.79M164.44M259.31M280.88M132.79M210.73M124.80M247.70M194.36M326.96M449.19M294.27M353.36M196.06M
Investing Cash Flow-14.38M-34.09M-64.59M-56.51M17.88M183.32M17.89M-1.70M-99.52M-399.70M-56.22M-105.22M-221.93M31.27M-77.63M-54.33M-207.94M-124.40M-327.82M134.17M29.45M
Financing Cash Flow-258.23M51.81M32.05M77.69M120.16M311.54M-349.34M-3.51M-64.94M147.34M-98.75M-97.20M-41.99M-115.96M-155.31M-39.45M-134.36M-142.69M13.93M-490.78M-220.11M
Capital Expenditure27.50M18.84M31.82M34.64M40.98M19.38M23.82M14.16M25.59M8.92M7.93M1.91M18.09M20.54M14.30M33.90M17.17M32.24M25.44M26.71M35.61M
Free Cash Flow239.57M18.50M186.64M-175.89M-152.65M-525.07M253.45M-1.37M138.85M250.39M272.94M130.88M192.65M104.25M233.41M160.46M309.79M416.95M268.82M326.65M160.45M
Dividends Paid47.05M116.87M154.14M123.61M40.77M3.00K26.00M-65.08M228.85M75.46M75.31M20.40M52.90M119.42M81.98M81.98M224.03M226.95M194.32M209.06M
FCF to OCF89.70%49.55%85.43%124.53%136.70%103.83%91.41%-10.73%84.44%96.56%97.18%98.56%91.42%83.54%94.23%82.56%94.75%92.82%91.35%92.44%81.84%
Dividend Paid to FCF19.64%631.65%82.59%-70.27%-26.71%-0.00%10.26%-46.87%91.40%27.65%57.54%10.59%50.74%51.17%51.09%26.46%53.73%84.42%59.49%130.30%

Earnings

Report DateSep 5, 2014Oct 29, 2014Feb 17, 2015May 5, 2015Jul 29, 2015Nov 2, 2015Feb 9, 2016May 4, 2016Jul 27, 2016Nov 3, 2016Feb 8, 2017Apr 26, 2017Jul 28, 2017Oct 26, 2017Feb 12, 2018Apr 24, 2018Jul 25, 2018Oct 24, 2018Feb 11, 2019Apr 24, 2019Jul 25, 2019Oct 23, 2019Feb 5, 2020Apr 24, 2020Jul 29, 2020Oct 26, 2020Feb 10, 2021Apr 27, 2021Jul 28, 2021Oct 28, 2021Feb 15, 2022Apr 28, 2022Jul 28, 2022Oct 27, 2022Feb 16, 2023Apr 27, 2023Aug 10, 2023Nov 14, 2023Feb 27, 2024May 6, 2024Aug 5, 2024Nov 5, 2024Feb 20, 2025May 5, 2025Jul 31, 2025Nov 3, 2025Dec 31, 2025May 12, 2026Jul 30, 2026Nov 2, 2026
EPS Estimate--0.300.240.250.190.190.21---0.030.050.06-0.300.220.21-0.15----0.09---0.24--0.00--0.240.240.24--------------
EPS Actual0.210.210.140.260.200.210.170.170.02-0.070.170.050.080.220.180.220.180.230.160.240.280.260.970.090.160.190.390.380.380.460.680.440.970.380.370.380.450.410.340.460.490.440.360.420.420.350.300.360.36-
Surprise---53.33%8.33%-20.00%10.53%-10.53%-19.05%--666.67%0.00%33.33%--40.00%0.00%-14.29%-6.67%----0.00%---58.33%-----58.33%54.17%58.33%--------------
Timing-Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap2.35B
Enterprise Value4.16B
Trailing P/E11.38
Forward P/E8.64
Price / Sales1.28
Price / Book1.17
EPS1.38
Book Value14.50
Revenue (TTM)1.84B
Gross Profit (TTM)1.10B
EBITDA386.24M
Profit Margin11.18%
Operating Margin18.61%
Return on Equity9.66%
Return on Assets2.85%
Shares Outstanding149.57M
Shares Float96.05M
Beta0.48
Dividend Yield7.96%
Dividend Rate1.25
Payout Ratio90.58%

Dividends

20261×
1.25May 26, 2026
20251×
1.40May 20, 2025
20241×
1.30May 22, 2024
20231×
1.52May 22, 2023
20221×
1.50May 20, 2022
20211×
0.55May 19, 2021
20191×
0.79May 22, 2019
20181×
0.34May 24, 2018
20171×
0.07May 22, 2017
20161×
0.48May 25, 2016
20151×
0.48May 27, 2015