Coface SA (65C) Stock Price & Analysis
65C Stock Chart & Stats
- Day’s Range
- EUR 15.56 - EUR 15.86
- 52-Week Range
- EUR 14.21 - EUR 17.28
- Previous Close
- EUR 15.51
- Volume
- N/A
- Average Volume (3M)
- 119
- Market Cap
- EUR 2.32B
- Enterprise Value
- EUR 4.91B
- Total Cash (Recent Filing)
- EUR 3.15B
- Total Debt (Recent Filing)
- EUR 2.06B
- Price to Earnings (P/E)
- 11.4
- Beta
- 0.51
- Next Earnings
- Nov 02, 2026 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 7.91%
Bulls Say, Bears Say
Bulls Say
Diversified Risk-management Model
Coface combines insurance underwriting with information, credit-insight, and collection services, creating multiple revenue streams around customers’ working-capital needs. This broader risk-management offering can deepen client relationships and make the business more durable across changing trade conditions.
Healthy Operating Profitability
Coface continues to generate meaningful profitability, with an 11.1% net margin and 16.9% EBIT margin on a trailing basis. These margins indicate that the core specialty-insurance model remains economically viable and provides resources to support resilience and ongoing operations.
Improving Balance-sheet Leverage
Debt-to-equity has improved to just below 1.0x, while equity remains sizable relative to debt. This de-leveraging strengthens financial flexibility, supports Coface’s ability to absorb claims volatility, and reduces balance-sheet pressure compared with the prior two years.
Bears Say
Softer Profitability Trend
Although profitability remains positive, the decline in net and EBIT margins from 2024 shows that earnings power has weakened materially. Persistent margin pressure could reduce the benefit of revenue growth and limit the company’s ability to compound profits at historical efficiency levels.
Weaker Cash Conversion
Coface is still generating positive operating and free cash flow, but conversion has deteriorated versus earlier periods. Lower free-cash-flow coverage of net income reduces confidence in earnings quality and may constrain internally funded investment, distributions, or balance-sheet improvement.
Declining Earnings Momentum
Negative trailing EPS growth indicates that per-share earnings are contracting despite the company’s continuing profitability. If this weakness persists, it would signal reduced earnings momentum and could limit the financial capacity available for reinvestment, shareholder returns, and strengthening competitive position.
Coface SA News
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Company Description
Coface SA
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.
- Sector
- General
- Industry
- Insurance - Specialty
- CEO
- Xavier Durand
- Employees
- 5,351
- Website
- www.coface.com
- Address
- 1, Place Costes et Bellonte, Bois-Colombe, IDF, 92270, FR
Coface SA (65C) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 5 | 2 |
| Technical Analysis | 4 | 5 | 1 |
| Moving Averages | 11 | 0 | 1 |
