Coface SA (FR:COFA)
:COFA
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Coface SA
(COFA)
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Rating:68Neutral
Price Target:
€17.00
▲(7.39% Upside)
Action:DowngradedDate:02/23/26
The score is primarily supported by attractive valuation (low P/E and high dividend yield). Financial performance is solid but tempered by weaker 2025 earnings/margins versus prior years, moderate leverage, and softer operating/free cash flow compared with 2024. Technical signals are neutral, with mixed positioning around moving averages and only mild momentum.
Positive Factors
Business model & market position
Coface’s core credit-insurance business provides recurring premium revenue, diversified product lines (insurance, surety, collections) and multinational reach. These structural attributes create sticky client relationships, scale in risk data and underwriting expertise, supporting durable revenue and margins over months.
Negative Factors
Leverage / balance-sheet flexibility
Debt roughly matching equity and volatility in leverage reduce financial flexibility. Elevated leverage constrains reserves and capital management during underwriting cycles, raises refinancing risk and limits optionality for acquisitions or increased claims, which matters across the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Business model & market position
Coface’s core credit-insurance business provides recurring premium revenue, diversified product lines (insurance, surety, collections) and multinational reach. These structural attributes create sticky client relationships, scale in risk data and underwriting expertise, supporting durable revenue and margins over months.
Read all positive factors
Coface SA (COFA) vs. iShares MSCI France ETF (EWQ)
Market Cap
€2.33B
Dividend Yield9.02%
Average Volume (3M)169.90K
Price to Earnings (P/E)12.9
Beta (1Y)0.81
Revenue Growth-1.27%
EPS Growth-14.98%
CountryFR
Employees4,960
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)1.49
Shares Outstanding150,179,800
10 Day Avg. Volume179,066
30 Day Avg. Volume169,903
Financial Highlights & Ratios
PEG Ratio-0.71
Price to Book (P/B)1.06
Price to Sales (P/S)1.23
P/FCF Ratio14.58
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€18.95Price Target Upside19.71% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.56
Revenue Forecast (FY)€1.75B
Coface SA Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
Coface generates revenue primarily through its credit insurance policies, which are sold to businesses seeking protection against the risk of non-payment by their customers. The company charges premiums based on the level of coverage and the asses...
Coface SA Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
55
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 1.90B | 1.65B | 1.60B | 1.57B | 1.28B |
| Gross Profit | 1.90B | 1.45B | 1.40B | 1.40B | 1.01B |
| EBITDA | 366.34M | 446.74M | 403.60M | 397.96M | 343.02M |
| Net Income | 222.00M | 261.07M | 240.50M | 240.44M | 223.82M |
Balance Sheet | |||||
| Total Assets | 8.09B | 8.08B | 7.90B | 7.59B | 7.27B |
| Cash, Cash Equivalents and Short-Term Investments | 3.21B | 3.22B | 2.86B | 3.46B | 3.48B |
| Total Debt | 2.34B | 2.39B | 2.56B | 2.40B | 1.97B |
| Total Liabilities | 5.87B | 5.89B | 5.85B | 5.57B | 5.04B |
| Stockholders Equity | 2.21B | 2.19B | 2.05B | 2.02B | 2.23B |
Cash Flow | |||||
| Free Cash Flow | 160.45M | 326.65M | 268.82M | 416.95M | 309.79M |
| Operating Cash Flow | 196.06M | 353.36M | 294.27M | 449.19M | 326.96M |
| Investing Cash Flow | 29.45M | 134.17M | -327.82M | -124.40M | -207.94M |
| Financing Cash Flow | -220.11M | -490.78M | 13.93M | -142.69M | -134.36M |
Coface SA Technical Analysis
Positive
15.83
Price Trends
15.36
Positive
15.38
Positive
15.58
Positive
Market Momentum
0.28
Negative
73.05
Negative
87.74
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:COFA, the sentiment is Positive. The current price of 15.83 is above the 20-day moving average (MA) of 15.28, above the 50-day MA of 15.36, and above the 200-day MA of 15.58, indicating a bullish trend. The MACD of 0.28 indicates Negative momentum. The RSI at 73.05 is Negative, neither overbought nor oversold. The STOCH value of 87.74 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FR:COFA.
Coface SA Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | €82.47B | 3.52 | 17.06% | 5.23% | 1.13% | 29.62% | |
73 Outperform | €11.54B | 11.33 | 42.80% | 3.32% | 3.61% | 4.19% | |
73 Outperform | €5.30B | 6.14 | 20.25% | 6.35% | -4.07% | 21628.31% | |
68 Neutral | €2.33B | 12.87 | 10.78% | 9.02% | -1.27% | -14.98% | |
68 Neutral | €96.60B | 3.76 | 9.43% | 9.16% | -4.91% | 7.63% | |
57 Neutral | €900.25M | 8.94 | 2.58% | 2.14% | -7.49% | 23.13% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
FR:COFA
Coface SA
15.65
-0.31
-1.94%
FR:CS
AXA SA
40.29
-0.64
-1.56%
FR:BNP
BNP Paribas
88.78
19.72
28.56%
FR:BVI
Bureau Veritas
26.50
-1.05
-3.83%
FR:CAF
CRCAM dlle-de France
109.50
45.30
70.57%
FR:SCR
SCOR
29.66
4.65
18.61%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.