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Key financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | €m | 1,114 | 1,282 | 1,574 | 1,602 | 1,649 | 1,898 | 1,856 | 1,752 |
| Operating profit | €m | 292 | 274 | ||||||
| Net profit | €m | 83 | 224 | 240 | 241 | 261 | 222 | 206 | 229 |
| EPS reported | € | 1.49 | 1.37 | ||||||
| Operating cashflow per share | € | 1.32 | 1.15 | ||||||
| Capex per share | € | 0.24 | 0.27 | ||||||
| FCF per share | € | 1.08 | 0.88 | ||||||
| Free cash flow | €m | 160 | 133 | ||||||
| Net debt | €m | -936 | -1,173 | ||||||
| Book value equity | €m | 2,213 | 2,166 | ||||||
| Book value per share | € | 14.85 | 14.43 | ||||||
| Number of shares | m | 148.99 | 150.18 | ||||||
| DPS (TTM paid) | € | 1.25 | 1.25 |
Financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.54 | 11.42 | ||||||
| P/B LTM | x | 1.06 | 1.08 | ||||||
| P/S LTM | x | 1.23 | 1.26 | ||||||
| P/FCF LTM | x | 14.58 | 17.57 | ||||||
| EV/EBITDA LTM | x | 11.41 | 3.26 | ||||||
| EV/Sales LTM | x | 2.20 | 0.62 | ||||||
| Earnings Yield LTM | % | 9.49% | 8.76% | ||||||
| FCF Yield | % | 6.86% | 5.69% | ||||||
| Quality | |||||||||
| ROE | % | 10.03% | 9.36% | ||||||
| ROIC | % | 3.52% | 3.18% | ||||||
| Operating margin | % | 15.36% | 14.77% | ||||||
| Gross margin | % | 100.00% | 52.74% | ||||||
| FCF/Sales | % | 8.45% | 7.14% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -14.86% | -16.46% | ||||||
| Sales Growth YoY | % | +15.11% | +6.85% | ||||||
| Net Income Growth YoY | % | -14.96% | -15.37% | ||||||
| FCF Growth | % | -50.88% | -5.39% | ||||||
| Operating Profit Growth | % | -20.39% | -21.07% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 8.94% | 7.99% | ||||||
| Dividend Growth | % | -10.71% | -10.71% | ||||||
| Payout Ratio | % | 94.17% | 0.00% | ||||||
| FCF/Debt | x | 0.07 | 0.06 | ||||||
| Net Debt/EBITDA | x | 5.03 | 4.57 | ||||||
| EBIT/Net interest | x | 7.13 | 6.65 | ||||||
| Net debt/market cap | % | -40.02% | -50.35% | ||||||
| Net debt/Equity | x | -0.42 | -0.54 | ||||||
| Gross debt/equity | x | 1.06 | 0.95 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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