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COFA

COFACE SAENXTPA:COFA Stock Report

Market Cap €2.2b
Share Price
€14.78
My Fair Value
n/a
1Y0.07%
7D2.6%
Portfolio Value
​
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COFACE SA

ENXTPA:COFA Stock Report

Market Cap: €2.2b

COFACE (COFA) Stock Overview

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 partners. More details

COFA fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance2/6
Financial Health3/6
Dividends3/6

Rewards

Trading at 33.4% below our estimate of its fair value

Analysts in good agreement that stock price will rise by 22.1%

Risk Analysis

Debt is not well covered by operating cash flow

Dividend of 9.47% is not well covered by earnings or free cash flows


COFA Community Fair Values

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See what 23 others think this stock is worth. Follow their fair value or set your own to get alerts.

COFA
COFACE

Strong Solvency Ratio Will Support Acquisitions And Organic Expansion

Key Takeaways Acquisitions and tech investments may enhance efficiencies and profitability, boosting revenue streams and long-term growth potential. Strong client retention and financial solvency support consistent revenue and expansion opportunities through acquisitions and organic growth.
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€18.28
FV
19.1% undervalued intrinsic discount
3.88%
Revenue growth p.a.
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15users have followed this narrative
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COFACE SA Competitors

Price History & Performance

Summary of share price highs, lows and changes for COFACE
Historical stock prices
Current Share Price€14.78
52 Week High€18.69
52 Week Low€13.17
Beta0.50
1 Month Change-7.04%
3 Month Change-9.55%
1 Year Change0.068%
3 Year Change34.24%
5 Year Change68.91%
Change since IPO30.91%

Recent News & Updates

Analyst Estimates: Here's What Brokers Think Of COFACE SA (EPA:COFA) After Its Third-Quarter Report

Nov 06
Analyst Estimates: Here's What Brokers Think Of COFACE SA (EPA:COFA) After Its Third-Quarter Report

Improved Earnings Required Before COFACE SA (EPA:COFA) Shares Find Their Feet

Nov 05
Improved Earnings Required Before COFACE SA (EPA:COFA) Shares Find Their Feet

Recent updates

Analyst Estimates: Here's What Brokers Think Of COFACE SA (EPA:COFA) After Its Third-Quarter Report

Nov 06
Analyst Estimates: Here's What Brokers Think Of COFACE SA (EPA:COFA) After Its Third-Quarter Report

Improved Earnings Required Before COFACE SA (EPA:COFA) Shares Find Their Feet

Nov 05
Improved Earnings Required Before COFACE SA (EPA:COFA) Shares Find Their Feet

Insufficient Growth At COFACE SA (EPA:COFA) Hampers Share Price

Jun 20
Insufficient Growth At COFACE SA (EPA:COFA) Hampers Share Price

COFACE (EPA:COFA) Will Pay A Larger Dividend Than Last Year At €1.40

Apr 11
COFACE (EPA:COFA) Will Pay A Larger Dividend Than Last Year At €1.40

Analysts Have Made A Financial Statement On COFACE SA's (EPA:COFA) Full-Year Report

Feb 23
Analysts Have Made A Financial Statement On COFACE SA's (EPA:COFA) Full-Year Report
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Earnings And Margins Will Decline, Impacting Future Profitability

Coface's focused investment in Business Information and technology enhances capabilities, driving potential revenue and operational efficiency improvements.

Improved Earnings Required Before COFACE SA (EPA:COFA) Shares Find Their Feet

Jan 03
Improved Earnings Required Before COFACE SA (EPA:COFA) Shares Find Their Feet

COFACE SA's (EPA:COFA) Low P/E No Reason For Excitement

Sep 09
COFACE SA's (EPA:COFA) Low P/E No Reason For Excitement

The COFACE SA (EPA:COFA) Yearly Results Are Out And Analysts Have Published New Forecasts

Mar 02
The COFACE SA (EPA:COFA) Yearly Results Are Out And Analysts Have Published New Forecasts

Could The COFACE SA (EPA:COFA) Ownership Structure Tell Us Something Useful?

Mar 15
Could The COFACE SA (EPA:COFA) Ownership Structure Tell Us Something Useful?

How Does COFACE SA (EPA:COFA) Fare As A Dividend Stock?

Feb 17
How Does COFACE SA (EPA:COFA) Fare As A Dividend Stock?

What Type Of Returns Would COFACE's(EPA:COFA) Shareholders Have Earned If They Purchased Their SharesYear Ago?

Jan 21
What Type Of Returns Would COFACE's(EPA:COFA) Shareholders Have Earned If They Purchased Their SharesYear Ago?

Do Institutions Own COFACE SA (EPA:COFA) Shares?

Nov 30
Do Institutions Own COFACE SA (EPA:COFA) Shares?

Shareholder Returns

COFAFR InsuranceFR Market
7D2.6%1.3%2.2%
1Y0.07%16.1%13.5%

Return vs Industry: COFA underperformed the French Insurance industry which returned 15.7% over the past year.

Return vs Market: COFA underperformed the French Market which returned 12.2% over the past year.

Price Volatility

Is COFA's price volatile compared to industry and market?
COFA volatility
COFA Average Weekly Movement2.6%
Insurance Industry Average Movement8.1%
Market Average Movement4.5%
10% most volatile stocks in FR Market10.2%
10% least volatile stocks in FR Market2.3%

Stable Share Price: COFA has not had significant price volatility in the past 3 months compared to the French market.

Volatility Over Time: COFA's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19465,098Xavier Durandwww.coface.com

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 partners. It offers credit insurance products to protect companies against default on payment of its trade receivables. The company also provides integrated credit management solutions comprising credit insurance, single risk insurance, and business information and debt collection services for insured and uninsured businesses; and factoring services, as well as contract and environmental surety, customs and excise, and legal bonds; and payment guarantees.

COFACE SA Fundamentals Summary

How do COFACE's earnings and revenue compare to its market cap?
COFA fundamental statistics
Market cap€2.21b
Earnings (TTM)€229.64m
Revenue (TTM)€1.94b
9.6x
P/E Ratio
1.1x
P/S Ratio

Is COFA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
COFA income statement (TTM)
Revenue€1.94b
Cost of Revenue€762.71m
Gross Profit€1.17b
Other Expenses€943.78m
Earnings€229.64m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

Feb 19, 2026

Earnings per share (EPS)1.54
Gross Margin60.61%
Net Profit Margin11.86%
Debt/Equity Ratio177.3%

How did COFA perform over the long term?

See historical performance and comparison

Dividends

9.5%
Current Dividend Yield
91%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/11/12 02:07
End of Day Share Price 2025/11/12 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

COFACE SA is covered by 12 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Benoit De BroissiaBanco BPI, S.A.
Aurelia Sarah FaureBanco Santander
Michael HuttnerBerenberg