profit from every €100 of sales.
€0€100
Coface SA
€16.16+0.25% today
+4.1% since Dec 23, 25
1-year low €14.501-year high €17.49
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay €10.88 for every €1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Coface SA sold, what it kept, and what it did with the cash.
Sales went from €1.57 billion in 2022 to €1.66 billion in 2025, with €222 million of profit last year.
SalesProfit
Coface SA handed back more cash to shareholders than it generated last year.
€209M
Free cash flow 2025€212M
Bought back its own shares€6M
Paid as dividends€209M
Cash vs. debt€501M vs. €2.3B
Coface SA vs. similar companies
Coface SA grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from €100 of sales | Sales growth a year | Price per €1 of profit |
|---|---|---|---|
| Coface SA | 10.9× · Cheap | ||
 Swiss Re | 11.4× · Cheap | ||
 Hannover Rück | 13.7× · Cheap | ||
 Reinsurance Group of America | 15.1× · Fair price | ||
 Everest Re Group | 9.9× · Cheap |
AI analysis
An AI analyst reads Coface SA's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,574 | 1,602 | 1,649 | 1,662 | |
| – | – | – | – | |
| – | – | – | – | |
| 398 | 404 | 447 | 366 | |
| 240 | 241 | 261 | 222 | |
| 1.61 | 1.61 | 1.75 | 1.49 | |
| – | – | – | – | |
| – | – | – | – | |
| 15.3% | 15.0% | 15.8% | 13.4% |
Balance sheet
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 7,586 | 7,898 | 8,084 | 8,090 |
| Cash | 554 | 496 | 508 | 501 |
| Total debt | 2,404 | 2,555 | 2,391 | 2,343 |
| Total liabilities | 5,565 | 5,845 | 5,888 | 5,875 |
| 2,019 | 2,051 | 2,194 | 2,213 | |
| 149 | 149 | 149 | 149 | |
| 6.1% | 5.9% | 6.7% | 5.5% | |
| 11.9% | 11.7% | 11.9% | 10.0% |
Cash flow
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 456 | 294 | 353 | 248 | |
| 33 | 25 | 27 | 36 | |
| 423 | 269 | 327 | 212 | |
| Dividends paid | 224 | 227 | 194 | 209 |
| 3 | 4 | 0 | 6 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 10.9×
- –
- –
- 1.0×
- 1.5×
- 9.2%
- 8.7%
Profitability
- 13.4%
- 5.5%
- 6.0%
- –
- –
Growth
- +1.8%
- −2.6%
- –
- +0.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 44%of 854
Top 32%of 876
Bottom 25%of 878
Top 33%of 929
8.7%of the share price, paid each year
On $1,000 invested$87a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
94.2% of its profit
Room to growStretchedMore than it earns: 98.4%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
45No pass
Benjamin Graham
84Pass
Philip Fisher
38No pass
Peter Lynch
23No pass
Joel Greenblatt
40No pass
Charlie Munger
39No pass
Terry Smith
33No pass
Questions about Coface SA
Is Coface SA a good stock to buy?
A solid business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Coface SA AI analysis
What does Coface SA do?
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 is in Insurance - Reinsurance, based in Bois-Colombes, France, with 5,190 employees.
Does Coface SA pay a dividend?
Yes. At today's price the dividend is 8.7% a year, about 94% of its yearly profit. In 2025 it paid out €209 million in dividends.
Is Coface SA stock halal?
No. Coface SA does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
Who are Coface SA's competitors?
The largest listed companies in the same industry are Swiss Re, Hannover Rück, Reinsurance Group of America and Everest Re Group. The peers table on this page compares their profit, growth and price with Coface SA's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.