COFACE SA, through its subsidiaries, provides credit insurance products and related services for small and medium enterprises, mid-market companies, multi-nationals, financial institutions, and clients of distributer partners.
The last earnings update was 12 days ago.
The current share price of
is above its future cash flow value.
Often investors are willing to pay a
for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
is considered below, and whether this is a fair price.
Price based on past earnings
COFACE's earnings available for a low price, and how does
this compare to other companies in the same industry?
COFACE's earnings are expected to grow by 2.7% yearly, however this is not considered high growth (20% yearly).
COFACE's revenue is expected to grow by 2.3% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
COFACE's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
has a total score of
3/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Xavier Pascal Durand has been Chief Executive Officer of Coface SA since February 9, 2016 and serves as its General Manager. Mr. Durand has been Chief Executive Officer of the Insurance Group Coface since February 2016. Mr. Durand served as the Head of Strategy & Growth and Vice President of GE at General Electric Capital Corporation. He served as the Head of Strategy & Development at GE Capital International from 2013 to 2015. Mr. Durand served as the Chief Executive Officer of GE Capital Asia Pacific since 2011 until 2013 and also served as its President of Asia Pacific. He served as Chief Executive Officer of the Europe and Russia banking activities of GE Capital from 2005 to 2011; President and Chief Executive Officer of GE Money France from 2000 to 2005 and Head of Strategy and New Partnerships of GEC Auto Financial Services based in Chicago from 1996 to 2000. Mr. Durand served as the President and Chief Executive Officer for GE Capital Global Banking in Western Europe, Latvia & Russia since January 2010. He served as the President and Chief Executive Officer of GE Capital Global Banking Western Europe from January 2008 to December 2009 and GE Money South West Europe from May 2005 to January 2008. He held the position of Chief Executive Officer for GE Money France and DOMS and held various commercial leadership roles in both GE Money Europe and the Americas. He held a variety of positions in strategy consulting, insurance and financial services industries with different companies. He joined GE Consumer Finance in 1996. He joined GE Capital, where he led an international career, first in Chicago as Director of Strategy and Growth of the finance division of the Global Auto business. He started his career in 1987 in consultancy Xavier Durand a The Mac Group (Gemini Consulting) and Strategy Project Management (GMF Insurer 1991-1993) before joining Banque Sovac Immobilier in 1994 as deputy Chief Executive Officer. Mr. Durand served as Deputy General Manager of the Sovac Real Estate Bank in France from 1994 to 1996. He served as Chairman at GE Capital Asia Pacific. He served as Chairman of the Supervisory Council at GE Money Bank CJSC since April 2010. He served as Chairman and Member of the Council at GE Capital Latvia, AS (formerly, AS GE Money Bank) from December 28, 2010 to April 1, 2011. He served as Chairman of the Supervisory Board of GE Artesia Bank in the Netherlands. He serves as a Member of Supervisory Board at Banque Artesia Nederland N.V. He serves as an Independent Board Member at Wizink Bank (Banco Popular Et Varde) and AXA France. He has been Independent Director at ALD S.A. since June 16, 2017. He served as a Board Member at Krungsri Group and Hyundai Capital Cards. He served as a Non-Executive Director of Bank of Ayudhya Public Company Limited from February 2, 2012 to June 24, 2013. He served as a Director of Turkiye Garanti Bankasi AS since April 2, 2009. Mr. Durand holds ME degree from both the Ecole Polytechnique in 1986 and of Ecole Nationale des Ponts et Chaussées in Paris, France in 1988.
Xavier's compensation has increased by more than 20% in the past year.
Xavier's remuneration is about average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure
Average tenure and age of the
management team in years:
The tenure for the COFACE management team is about average.
CEO & GM
Chief Financial & Risk Officer
Business Technology Director
Head of Group Financial Communication and Group IR & Rating Agencies Director
Group Compliance Director
Chief Human Resources Officer
Chief Executive Officer of Western Europe Region
Chief Executive Officer of Northern Europe Region
Managing Director of Coface Re
Board of Directors Tenure
Average tenure and age of the
board of directors in years:
The tenure for the COFACE board of directors is about average.
Board of Directors
Chairman of the Board
Chairman & CEO of Coface Holding North America & Director of Coface Holding North America
COFACE SA, through its subsidiaries, provides credit insurance products and related services for small and medium enterprises, mid-market companies, multi-nationals, financial institutions, and clients of distributer partners. It offers credit insurance products to protect companies against potential non-payment by their customers. The company also provides factoring, business information, and debt collection services, as well as contract, and customs and excise bonds. It operates in Western Europe, Northern Europe, Central Europe, the Mediterranean and Africa, North America, Latin America, and the Asia-Pacific. COFACE SA has a strategic partnership with Tradeshift. The company was founded in 1946 and is headquartered in Bois-Colombes, France.
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