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Coface S.A. (COFA.PA)
Bois-Colombe, IDF, FR
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.56% | -1.37% | -0.13% | +0.25% | +6.15% | +1.08% | -8.11% | +12.87% | +48.60% | +134.07% | +40.57% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 2 | -1 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Insurance - Specialty: +11.0%+15.1% ★ Q1'26: +1.7% (vs Q1'25)
-
EPS growth Insurance - Specialty: +18.3%-14.9% Q1'26: -14.3% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Specialty: +39.7%+8.8% Q1'26: +2.7% (vs Q1'25)
-
EBIT margin Insurance - Specialty: +18.3%+17.5% Q1'26: +0.0% (vs Q1'25)
-
ROIC Insurance - Specialty: +10.3%+18.8% ★
-
Share dilution Insurance - Specialty: +0.5%-0.2% Q1'26: +0.5% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Specialty: 0.25×6.40× ★
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 4 EPS Ana. |
Dec 2027 3 Rev. Ana. 4 EPS Ana. |
Dec 2028 2 Rev. Ana. 3 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
1.31B
est: 1.49B (-11.7%)
|
1.37B
est: 1.33B (+3.1%)
|
1.30B
est: 1.20B (+7.8%)
|
1.23B
est: 1.15B (+7.2%)
|
1.24B
est: 1.24B (-0.1%)
|
1.30B
est: 1.34B (-3.2%)
|
1.11B
est: 1.32B (-15.8%)
|
1.28B
est: 1.31B (-1.9%)
|
1.57B
est: 1.64B (-3.8%)
|
1.60B
est: 1.90B (-15.6%)
|
1.65B
est: 1.50B (+9.9%)
|
1.90B
est: 1.50B (+26.8%)
|
1.75B
1.72B – 1.79B
+17.1% YoY
|
1.81B
1.74B – 1.90B
+3.4% YoY
|
1.76B
1.71B – 1.83B
-2.7% YoY
|
| EBITDA |
222.34M
est: 359.91M (-38.2%)
|
215.48M
est: 199.51M (+8.0%)
|
159.70M
est: 165.05M (-3.2%)
|
145.07M
est: 105.98M (+36.9%)
|
199.22M
est: 128.41M (+55.1%)
|
267.04M
est: 178.90M (+49.3%)
|
185.14M
est: 220.76M (-16.1%)
|
343.02M
est: 228.80M (+49.9%)
|
397.96M
est: 236.97M (+67.9%)
|
403.60M
est: 468.97M (-13.9%)
|
446.74M
est: 370.92M (+20.4%)
|
366.34M
est: 370.12M (-1.0%)
|
433.53M
425.74M – 443.29M
+17.1% YoY
|
448.24M
431.18M – 470.99M
+3.4% YoY
|
435.95M
423.65M – 452.06M
-2.7% YoY
|
| EBIT |
201.16M
est: 320.41M (-37.2%)
|
194.45M
est: 204.97M (-5.1%)
|
108.55M
est: 176.55M (-38.5%)
|
156.81M
est: 103.98M (+50.8%)
|
204.50M
est: 161.07M (+27.0%)
|
223.54M
est: 215.38M (+3.8%)
|
145.92M
est: 220.04M (-33.7%)
|
312.86M
est: 228.05M (+37.2%)
|
357.24M
est: 236.19M (+51.3%)
|
362.93M
est: 425.21M (-14.6%)
|
409.23M
est: 256.04M (+59.8%)
|
332.49M
est: 335.58M (-0.9%)
|
393.08M
386.01M – 401.93M
+17.1% YoY
|
406.42M
390.95M – 427.04M
+3.4% YoY
|
395.28M
384.12M – 409.87M
-2.7% YoY
|
| Net Income |
125.02M
est: 135.26M (-7.6%)
|
126.24M
est: 128.75M (-2.0%)
|
41.53M
est: 115.90M (-64.2%)
|
83.21M
est: 37.75M (+120.4%)
|
122.33M
est: 86.79M (+41.0%)
|
146.73M
est: 129.21M (+13.6%)
|
82.90M
est: 144.43M (-42.6%)
|
223.82M
est: 149.69M (+49.5%)
|
240.44M
est: 277.11M (-13.2%)
|
240.50M
est: 253.92M (-5.3%)
|
261.07M
est: 269.60M (-3.2%)
|
222.00M
est: 245.59M (-9.6%)
|
213.67M
207.98M – 257.99M
-13.0% YoY
|
233.15M
214.28M – 280.17M
+9.1% YoY
|
269.50M
266.30M – 299.19M
+15.6% YoY
|
| SGA |
269.12M
est: 411.22M (-34.6%)
|
269.96M
est: 178.81M (+51.0%)
|
275.10M
est: 162.93M (+68.8%)
|
253.53M
est: 163.04M (+55.5%)
|
241.14M
est: 139.51M (+72.8%)
|
274.78M
est: 118.80M (+131.3%)
|
261.81M
est: 136.44M (+91.9%)
|
270.99M
est: 141.41M (+91.6%)
|
491.09M
est: 146.46M (+235.3%)
|
492.80M
est: 435.07M (+13.3%)
|
520.89M
est: 344.11M (+51.4%)
|
—
est: 343.36M (-100.0%)
|
402.19M
394.96M – 411.25M
+17.1% YoY
|
415.84M
400.02M – 436.94M
+3.4% YoY
|
404.44M
393.02M – 419.38M
-2.7% YoY
|
| EPS |
0.80
est: 0.91 (-11.7%)
|
0.80
est: 0.86 (-6.9%)
|
0.26
est: 0.15 (+74.3%)
|
0.53
est: 0.51 (+3.3%)
|
0.79
est: 0.82 (-3.2%)
|
0.97
est: 0.98 (-1.2%)
|
0.55
est: 0.45 (+21.9%)
|
1.50
est: 1.54 (-2.8%)
|
1.90
est: 1.89 (+0.5%)
|
1.61
est: 1.70 (-5.3%)
|
1.75
est: 1.80 (-2.7%)
|
1.49
est: 1.61 (-7.6%)
|
1.56
1.40 – 1.73
-3.5% YoY
|
1.69
1.44 – 1.88
+8.7% YoY
|
1.91
1.79 – 2.01
+13.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-08 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-07 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-06 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-05 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-04 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-30 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-29 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Cambria Foreign Shareholder Yield ETF FYLD | 1.02% | 6.82M | 0.59% |
| 2 | Tweedy, Browne International Insider + Value ETF ICPY | 0.94% | 648.0K | 0.80% |
| 3 | Amundi MSCI EMU Small Cap ESG Broad Transition UCITS ETF Dist MMS.PA | 0.70% | 4.95M | 0.40% |
| 4 | Tweedy, Browne Insider + Value ETF COPY | 0.66% | 2.09M | 0.89% |
| 5 | Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Acc CEM.PA | 0.34% | 1.16M | 0.23% |
| 6 | Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Dist X026.DE | 0.34% | 1.16M | 0.23% |
| 7 | UBS MSCI EMU Small Cap UCITS ETF EUR dis UEFD.DE | 0.28% | 2.03M | 0.33% |
| 8 | iShares MSCI EMU Small Cap UCITS ETF CES1.L | 0.27% | 2.88M | 0.58% |
| 9 | iShares International Small-Cap Equity Factor ETF ISCF | 0.24% | 1.55M | 0.24% |
| 10 | Dimensional - International Small Cap Value ETF DISV | 0.20% | 9.27M | 0.42% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Xavier Pascal Durand | Chief Executive Officer & Chairman of Management Board | 3M | male |
| Carole Lytton | General Secretary & Member of Management Board | — | female |
| Cyrille Charbonnel | Group Chief Underwriting Director & Member of Management Board | — | male |
| Gonzague Noel | Group Chief Operating Officer & Member of Management Board | — | male |
| Joerg Diewald | Member of Management Board | — | male |
| Keyvan Shamsa | Business Technology Director & Member of Management Board | — | male |
| Carine Pichon | Chief Executive Officer of Western Europe & Africa Region | — | female |
| Pascale Bayle | Group Compliance Director & Data Protection Officer | — | — |
| Phalla Gervais | Member of Management Board, CFO & Risk Director | — | female |
| Pierre Bevierre | Chief Human Resources Officer & Member of Management Board | — | male |
| Thibault Surer | Strategy & Business Development Director and Member of Management Board | — | male |
| Thomas Jacquet | Head of Investor Relations & Rating Agencies | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for COFA.PA
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
