COFACE SA financials
COFACE SA
Country: FR Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
96950025N07LTJYFSN57 ISIN: FR0010667147 Financial statements
(EUR, as reported — unscaled; 96 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Operating expenses | €331.3M | €301.7M |
| Operating profit (EBIT) | €332.5M | €409.2M |
| Income tax expense | €68.9M | €105.2M |
| Profit for the year | €222.6M | €261.0M |
| — attributable to owners | €222.0M | €261.1M |
| — attributable to NCI | €635.0K | -€31.0K |
| Total comprehensive income | €219.4M | €316.1M |
| Per share | ||
| Basic EPS | €1.49 | €1.75 |
| Diluted EPS | €1.49 | €1.75 |
| Cash flow statement | ||
| Net cash from operating activities | €248.0M | €353.4M |
| Net cash from investing activities | €31.6M | €134.2M |
| Net cash from financing activities | -€274.2M | -€490.8M |
| Proceeds from borrowings | €0 | €0 |
| Repayments of borrowings | €0 | €226.6M |
| Lease liability payments | €18.5M | €21.1M |
| Balance sheet | ||
| Total assets | €8.09B | €8.08B |
| Intangible assets & goodwill | €263.1M | €240.4M |
| Cash & equivalents | €501.5M | €507.8M |
| Total equity | €2.22B | €2.20B |
| — attributable to owners | €2.21B | €2.19B |
| Non-controlling interests | €2.3M | €2.2M |
| Deferred tax liabilities | €117.7M | €118.2M |
| Derived metrics | ||
| Return on equity | 10.1% | 11.9% |
| Cash conversion ratio | 1.11× | 1.35× |
| Other reported items | ||
| Accumulated Other Comprehensive Income | -€61.2M | -€57.9M |
| Additional Paidin Capital | €723.5M | €723.5M |
| Adjustments For Income Tax Expense | €68.9M | €105.2M |
| Adjustments For Increase Decrease In Insurance Reinsurance and Investment Contract Liabilities | €5.2M | €11.5M |
| Adjustments For Interest Expense | €40.9M | €43.0M |
| Adjustments For Unrealised Foreign Exchange Losses Gains | €19.8M | -€8.5M |
| Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €0 | €0 |
| Cash Flows From Used In Operations Before Changes In Working Capital | €374.5M | €362.4M |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | -€410.0K | -€1.1M |
| Comprehensive Income Attributable To Noncontrolling Interests | €691.0K | €44.0K |
| Comprehensive Income Attributable To Owners of Parent | €218.7M | €316.0M |
| Current Tax Assets | €122.8M | €62.4M |
| Current Tax Liabilities | €132.6M | €70.8M |
| Debt Instruments Issued At Amortised Cost | €1.68B | €1.72B |
| Deferred Tax Assets | €68.1M | €54.5M |
| Deposits From Banks At Amortised Cost | €898.1M | €858.6M |
| Deposits From Customers At Amortised Cost | €498.8M | €544.6M |
| Derivative Financial Assets | €446.0K | €185.0K |
| Derivative Financial Liabilities | €65.0K | €4.1M |
| Dividends Paid To Equity Holders of Parent Classified As Financing Activities | €209.1M | €194.3M |
| Dividends Paid To Noncontrolling Interests Classified As Financing Activities | €653.0K | €5.0K |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners Per Share | €1.25 | — |
| Dividends Recognised As Distributions To Owners of Parent | €209.1M | €194.3M |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -€11.8M | €15.5M |
| Equity and Liabilities | €8.09B | €8.08B |
| Fee and Commission Income | €182.4M | €179.9M |
| Finance Income Expenses From Reinsurance Contracts Held Recognised In Profit Or Loss | €26.2M | €16.6M |
| Financial Assets At Amortised Cost | €108.0M | €118.2M |
| Financial Assets Measured At Fair Value Through Other Comprehensive Income | €2.71B | €2.71B |
| Gains Losses On Exchange Differences On Translation Net of Tax | -€30.0M | -€13.5M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €2.1M | €48.8M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | -€111.0K | -€174.0K |
| Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses | -€111.8M | -€118.4M |
| Income Tax Relating To Investments In Equity Instruments of Other Comprehensive Income | €2.1M | €4.3M |
| Income Tax Relating To Remeasurements of Defined Benefit Plans of Other Comprehensive Income | -€851.0K | -€284.0K |
| Income Taxes Paid Refund Classified As Operating Activities | €71.5M | €78.0M |
| Increase Decrease In Cash and Cash Equivalents | -€6.4M | €12.3M |
| Increase Decrease Through Appropriation of Retained Earnings | €0 | €0 |
| Increase Decrease Through Sharebased Payment Transactions | €2.8M | €2.5M |
| Increase Decrease Through Transactions With Owners | -€209.1M | -€194.3M |
| Increase Decrease Through Transfers and Other Changes Equity | -€900.0K | -€2.0M |
| Insurance Contracts Issued That Are Liabilities | €1.45B | €1.50B |
| Insurance Finance Income Expenses From Insurance Contracts Issued Recognised In Profit Or Loss | -€35.4M | -€59.1M |
| Insurance Revenue | €1.50B | €1.51B |
| Insurance Service Expenses From Insurance Contracts Issued | €1.12B | €1.06B |
| Intangible Assets Other Than Goodwill | €93.4M | €83.7M |
| Interest Expense | €40.9M | €43.0M |
| Interest Paid Classified As Financing Activities | €40.2M | €49.4M |
| Issued Capital | €300.4M | €300.4M |
| Lease Liabilities | €68.3M | €70.5M |
| Miscellaneous Other Operating Expense | €181.1M | €166.9M |
| Other Adjustments For Noncash Items | -€14.0M | -€89.8M |
| Other Comprehensive Income | -€3.2M | €55.0M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €35.9M | €32.7M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€3.4M | -€1.1M |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation | -€30.0M | -€13.5M |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €2.1M | €43.7M |
| Other Comprehensive Income Net of Tax Gains Losses From Investments In Equity Instruments | €33.8M | €28.4M |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€2.5M | -€805.0K |
| Other Operating Income Expense | -€6.4M | -€8.6M |
| Other Receivables | €228.5M | €222.3M |
| Other Revenue | €348.6M | €331.9M |
| Proceeds From Issuing Shares | €0 | €0 |
| Property Plant and Equipment Including Rightofuse Assets | €87.0M | €88.7M |
| Provisions | €76.8M | €70.2M |
| Reclassification Adjustments On Exchange Differences On Translation Net of Tax | €0 | €0 |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | -€4.6M | -€1.0M |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | €3.4M | €63.0K |
| Reinsurance Contracts Held That Are Assets | €407.9M | €393.6M |
| Retained Earnings Profit Loss For Reporting Period | €222.0M | €261.1M |
| Revenue From Rendering of Services | €94.3M | €78.3M |
| Trade and Other Payables | €362.4M | €330.1M |
Methodology
Every line item above is a fact tagged in COFACE SA's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.