)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
COFACE SA (COFA) investor relations material
COFACE SA Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary3 Nov, 2025
Executive summary
Net income for the first nine months of 2025 was €176.3 million, with €52.1 million earned in Q3, and annualized ROATE at 12% in a challenging environment.
Total consolidated revenue reached €1,387 million, up 1.8% year-over-year at constant FX and perimeter, driven by strong service growth and high client retention.
Services businesses, including Business Information and Debt Collection, now represent nearly 11% of total revenues, growing at double-digit rates.
Client retention rate returned to 93.5%, close to record levels, while pricing declined by 1.8% in a competitive market.
Major governance changes included new appointments to the Board and Executive Committee, and strategic acquisitions in the Middle East and Switzerland.
Financial highlights
Net combined ratio for the first nine months stands at 71.9%, up 7.6 points year-over-year, with a quarterly net combined ratio of 73.1%.
Net income declined by 15.1% year-over-year to €176.3 million; operating income fell 17.0% to €261.6 million.
Loss ratio increased by 4.1 points year-over-year to 39.6%, reflecting higher claims and more material bankruptcies.
Cost ratio rose by 3.4 points, mainly due to investments in distribution, technology, and business information.
Book value per share at €14.4; tangible book value at €12.8 per share.
Outlook and guidance
No change in risk appetite; disciplined approach to risk and growth remains.
Continued focus on investing in data, technology, and distribution to support long-term growth.
Guidance for Business Information ROTE contribution in 2027 remains unchanged.
Revenues expected to remain resilient despite subdued economic conditions and low energy prices.
Expectation that new business growth in TCI and BI will take time to materially impact profits.
How do recent acquisitions support Group strategy?
What is the Group's exposure to lower-rated bonds?
Detail factoring operations' financial impact.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next COFACE SA earnings date
Q4 202519 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage