COFACE SA/€COFA
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About COFACE SA
COFACE SA is a French company specializing in credit insurance and risk management services, operating globally across approximately 200 markets. Founded in 1946, it offers products including trade credit insurance, business information, debt collection, single risk insurance, surety bonds, and factoring services. Headquartered in Bois-Colombes, France, COFACE employs over 5,200 staff and serves around 100,000 clients worldwide. The company's extensive international network and comprehensive suite of services position it to support businesses in managing trade risks and facilitating secure commercial transactions.
- Ticker
- €COFA
- Sector
- Finance
- Primary listing
- PAR
- Employees
- 5,351
- Headquarters
- Bois-Colombes, France
- Website
- www.coface.com
COFACE SA Metrics
BasicAdvanced
€2.3B
11.31
€1.38
0.48
€1.25
8.03%
Price and volume
Market cap
€2.3B
Beta
0.48
52-week high
€17.71
52-week low
€14.09
Average daily volume
186K
Dividend rate
€1.25
Financial strength
Current ratio
1.429
Quick ratio
1.323
Long term debt to equity
0.315
Total debt to equity
1.932
Dividend payout ratio (TTM)
90.92%
Interest coverage (TTM)
9.15%
Profitability
EBITDA (TTM)
386.239
Gross margin (TTM)
59.83%
Net profit margin (TTM)
11.18%
Operating margin (TTM)
20.48%
Effective tax rate (TTM)
24.79%
Revenue per employee (TTM)
€340,000
Management effectiveness
Return on assets (TTM)
2.85%
Return on equity (TTM)
9.66%
Valuation
Price to earnings (TTM)
11.312
Price to revenue (TTM)
1.264
Price to book
1.08
Price to tangible book (TTM)
1.23
Price to free cash flow (TTM)
13.573
Free cash flow yield (TTM)
7.37%
Free cash flow per share (TTM)
1.147
Dividend yield (TTM)
8.03%
Forward dividend yield
8.03%
Growth
Revenue change (TTM)
6.08%
Earnings per share change (TTM)
-15.47%
3-year revenue growth (CAGR)
-1.17%
10-year revenue growth (CAGR)
2.15%
3-year earnings per share growth (CAGR)
-4.28%
10-year earnings per share growth (CAGR)
9.81%
3-year dividend per share growth (CAGR)
-6.31%
10-year dividend per share growth (CAGR)
11.52%
What the Analysts think about COFACE SA
Analyst ratings (Buy, Hold, Sell) for COFACE SA stock.
Analyst projections of the future price of COFACE SA stock.
Bulls say / Bears say
The underwriting engine remains highly profitable: the first-half net combined ratio was 71.3%, unchanged year on year and well below Coface’s 78% target. The net loss ratio improved by 2.7 percentage points to 37.4%. (Boursorama)
Revenue outside credit insurance is growing faster and could diversify earnings over time. First-half non-insurance revenue rose 8.8% at constant exchange rates, with business information up 12% and debt collection up 31.6%. (Boursorama)
Coface has a substantial capital buffer: its estimated solvency ratio was 194% at June, above its 155%–175% target range. It also distributed 84% of 2025 net profit, supporting the case for continued shareholder returns. (Boursorama, GlobeNewswire)
Earnings are under pressure: first-half net profit fell 13.2% to €107.8 million, while operating profit declined 9.3%. Annualised return on average tangible equity was 10.9%. (Boursorama)
Rising corporate failures could lift claims just as customers face weak growth and financing pressure. Coface’s latest analysis cited a 12% rise in global insolvencies so far in 2026 and forecast a 6% increase for the full year. (Il Sole 24 ORE)
Core insurance growth and pricing remain weak while costs rise: first-half insurance revenue was only 0.1% higher at constant exchange rates, pricing fell 1.3%, and the net cost ratio rose 2.7 points to 33.9%. That could keep margins under pressure even if claims stay controlled. (Boursorama)
Data summarised monthly by Lightyear AI. Last updated on 21 Oct 2026.
COFACE SA Financial Performance
Revenues and expenses
COFACE SA Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing COFACE SA
AllUSDEURGBP
Fund name | Fund size | €COFA weighting |
|---|---|---|
Xtrackers MSCI Europe Small Cap£XXSC | $3.6B | 0.11% |
Xtrackers MSCI Europe Small Cap€DX2J | $3.6B | 0.11% |
L&G Global Quality Dividends£LDGG | $353M | 0.04% |
iShares MSCI World Small Cap£WLDS | $9B | 0.02% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.