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COFACE
COFACE (COFA) investor relations material
COFACE 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.
How do BI investments impact future RoATE?
New business growth vs. pricing pressure dynamics
Combined ratio sustainability in current credit cycle
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EBITDA and cash flow surged in 2025, driven by operational gains and renewables growth.
Next COFACE earnings date
Q4 202519 Feb, 2026
COFACE
Next COFACE earnings date
Q4 202519 Feb, 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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