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COFACE
COFACE (COFA) investor relations material
COFACE Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary19 Feb, 2026
Executive summary
Net income for FY 2025 reached €222 million, with €45.8 million in Q4, and a proposed dividend of €1.25 per share, representing an 84% payout ratio.
Revenue increased 1.3% year-over-year to €1,847 million at constant FX, with insurance up 0.6% and business information sales up 16.2% organically.
Client retention was a record 92.9%, while pricing declined 1.6% in a competitive market.
Continued investment in technology, data, and sales, including the acquisition and integration of Cedar Rose.
Solvency ratio stood at 197%, above the 155%-175% target range.
Financial highlights
Net income of €222 million, down 15% year-over-year; operating income fell 18.7% to €332.5 million.
Combined ratio at 73.1% for the year, with Q4 at 76.6%, both above through-the-cycle targets.
Net loss ratio increased by 5.1 points to 40.3%; cost ratio net of reinsurance rose to 32.8%.
ROATE was 11.4%, down 2.5 points year-over-year.
Investment income increased to €102.3 million, with an accounting yield of 3.3%.
Outlook and guidance
No forward-looking guidance provided; management emphasizes resilience and ability to deliver through-the-cycle targets despite record insolvencies.
Market expected to remain volatile with slow economic growth, rising insolvencies, and geopolitical tensions.
Continued focus on investment in business information, technology, and sales to drive future growth.
How does negative pricing affect revenue growth?
Combined ratio trend: sustainable or concerning?
AI-driven US growth: Coface's strategic response?
Reconcile rising claims severity with Q4 releases.
Offsetting insurance pricing pressure strategy?
Capital deployment strategy given 197% solvency?
Explain combined ratio performance vs. targets
Detail debt collection's investment leverage
How confident are you in AI for fraud risk?
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Next COFACE earnings date
Q1 202612 May, 2026
COFACE
Next COFACE earnings date
Q1 202612 May, 2026
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Frequently asked questions
Coface SA, stylized as COFACE, is a French multinational company that provides credit insurance and risk management services. The company offers a range of solutions to protect businesses against the risk of non-payment by their customers. These services include trade credit insurance, factoring, business information, and debt collection. COFACE operates globally, serving clients across various industries by helping them manage and mitigate credit risks associated with domestic and international trade. The company's expertise lies in evaluating the creditworthiness of companies and providing coverage that secures trade transactions. The company is headquartered in Bois-Colombes, France, and its shares are listed on the Euronext Paris.
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