Half Year 2025 Coface SA Earnings Call Transcript

Jul 31, 2025 / 04:00 PM GMT

Release Date Price: $18.5

Transcript

Key Points

Positve

Coface SA (CFACY) reported a strong net profit of 124 million for the first half of 2025, with a return on tangible equity of 12.6%.
The company achieved a high client retention rate of 94%, close to record levels, indicating strong customer loyalty.
Business information and debt collection segments showed significant growth, with business information growing by almost 15% and debt collection by 35% in the first half.
Coface SA (CFACY) is investing in technology and data, including the creation of a new tech hub and the introduction of AI-generated credit scores, enhancing their service offerings.
The company has made strategic acquisitions, including Cedar Rose and Novature International, to strengthen its market position and expand its capabilities.

Negative

The loss ratio increased by 5 points to 40%, indicating higher claims activity and increased risk in the market.
Factoring remains a slow point, particularly in Germany and Poland, reflecting challenges in industrial Europe.
The net cost ratio increased by 2.8%, partly due to inflation and deliberate investments, impacting overall profitability.
The global economic environment is challenging, with 2025 shaping up as the slowest growth year in the last decade, excluding the COVID-19 pandemic.
The company faces a competitive market environment, with some competitors willing to take on higher risk levels, potentially impacting pricing and market share.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

COFA.PA - Coface SA
Half Year 2025 Coface SA Earnings Call
Jul 31, 2025 / 04:00PM GMT

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Presentation
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Unidentified_1 [1]
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Thank you and thanks to all of you for logging in and we're happy to report our first half 25 results you've seen from the headline 124 million net profits for the first half.

Would qualify this as strong results. You, you'll see through the pitch some of the same themes that we've highlighted over the prior quarters, but I'm just going to go through the key points here. Turnover is up 2.3% at all things equal. With insurance growing 1.7%, a little bit of positive client activity even though there's no clear trend there, the client retention remains at a at a near record level pricing continues to be, I would say within the the average trend line of history. Good growth on business information growing almost 15%. Debt collection strong

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