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Investor Relations14 Oct 2025
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COFACE SA (COFA) investor relations material
COFACE SA Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Net income for H1 2025 was €124.2 million, down 12.7% year-over-year, with annualised ROATE at 12.6% and a solvency ratio of 195%, above the target range.
Turnover/revenue grew 2.3% year-over-year at constant FX and perimeter, reaching €937 million, driven by insurance and strong growth in business information and debt collection.
Strategic investments included acquisitions (Cedar Rose, Novertur), launch of a Lloyd's syndicate, and creation of a new technology hub.
The company is executing its "Power the Core" strategy, focusing on innovation, technology, and future growth despite a challenging environment.
Client retention reached 94%, close to record levels, while pricing declined by 1.6%.
Financial highlights
Net income for H1 2025 was €124.2 million (down 12.7% year-over-year); operating income declined 14.4% to €186 million.
Combined ratio after reinsurance increased to 71.3% (up 7.9 points year-over-year); net loss ratio rose to 40.1%.
Gross loss ratio was 37.8%, reflecting higher claims severity; cost ratio after reinsurance was 31.2%.
Book value per share at €14.1; tangible book value per share at €12.5.
Shareholders' equity stood at €2,098 million, down 4.4% from year-end 2024, mainly due to dividend payments.
Outlook and guidance
The environment remains uncertain with sluggish global GDP growth, elevated insolvencies, and persistent inflation.
Continued investment in technology, data, and sales is expected to drive future growth and resilience.
Combined ratio expected to remain strong but above 70% due to the current cycle and ongoing investments.
No major impact anticipated from Solvency II review.
Short-term cost ratios pressured by investments, but expected to enhance long-term expertise.
Explain the rationale behind Lloyd's syndicate creation.
How do tariffs in the US impact global trade?
Detail investments weighing on the cost ratio.
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Q3 20253 Nov, 2025
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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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