CFAC.Y 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

CFAC.Y fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	3/6
Financial Health	3/6
Dividends	3/6

Rewards

Trading at 44.4% below our estimate of its fair value

Earnings have grown 16.9% per year over the past 5 years

Risk Analysis

Shares are highly illiquid

Debt is not well covered by operating cash flow

Dividend of 8.11% is not well covered by free cash flows

Community vs My Fair Value

Create Narrative

Select a narrative for quick price alerts from the community, or create your own.

COFACE SA Competitors

Mercury General

NYSE:MCY

US$3.2b

Assured Guaranty

NYSE:AGO

US$4.4b

Kemper

NYSE:KMPR

US$4.0b

Palomar Holdings

NasdaqGS:PLMR

US$4.3b

Price History & Performance

Summary of share price highs, lows and changes for COFACE
Historical stock prices
Current Share Price	€18.48
52 Week High	€19.67
52 Week Low	€14.00
Beta	0.73
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	14.75%

Recent updates

Shareholder Returns

	CFAC.Y	US Insurance	US Market
7D	0%	0.5%	-0.3%
1Y	n/a	16.0%	8.0%

Return vs Industry: Insufficient data to determine how CFAC.Y performed against the US Insurance industry.

Return vs Market: Insufficient data to determine how CFAC.Y performed against the US Market.

Price Volatility

Is CFAC.Y's price volatile compared to industry and market?
CFAC.Y volatility
CFAC.Y Average Weekly Movement	n/a
Insurance Industry Average Movement	5.4%
Market Average Movement	7.9%
10% most volatile stocks in US Market	16.5%
10% least volatile stocks in US Market	4.1%

Stable Share Price: CFAC.Y's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CFAC.Y's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1946	5,098	Xavier Durand	www.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?
CFAC.Y fundamental statistics
Market cap	US$2.91b
Earnings (TTM)	US$286.59m
Revenue (TTM)	US$2.14b

10.1x

P/E Ratio

1.4x

P/S Ratio

Is CFAC.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CFAC.Y income statement (TTM)
Revenue	€1.91b
Cost of Revenue	€733.02m
Gross Profit	€1.17b
Other Expenses	€918.22m
Earnings	€254.75m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

Jul 31, 2025

Earnings per share (EPS)	1.71
Gross Margin	61.54%
Net Profit Margin	13.37%
Debt/Equity Ratio	172.8%

How did CFAC.Y perform over the long term?

See historical performance and comparison

Dividends

8.1%

Current Dividend Yield

82%

Payout Ratio

Does CFAC.Y pay a reliable dividends?

See CFAC.Y dividend history and benchmarks

When do you need to buy CFAC.Y by to receive an upcoming dividend?
COFACE dividend dates
Ex Dividend Date	May 21 2025
Dividend Pay Date	Jun 06 2025
Days until Ex dividend	10 days
Days until Dividend pay date	26 days

Does CFAC.Y pay a reliable dividends?

See CFAC.Y dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/09 12:34
End of Day Share Price	2025/04/15 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Benoit De Broissia	Banco BPI, S.A.
Aurelia Sarah Faure	Banco Santander
Michael Huttner	Berenberg