Coface SA (STU:65C)

Full Year 2025 Coface SA Earnings Call Transcript

Feb 19, 2026 / 05:00 PM GMT

Release Date Price: €16.29 (+0.31%)

Transcript

Key Points

Positve

Coface SA (COFAF) reported a net profit of $222 million for 2025, contributing to a total of €1 billion in earnings over the last four years.
The company achieved a high client retention rate of 92.9%, indicating strong customer loyalty.
Business information services experienced significant growth, with a 16.2% organic increase and nearly 19% growth including acquisitions.
Debt collection services saw a substantial rise of 24.4%, reflecting strong demand and effective operations.
Coface SA (COFAF) maintains a robust solvency ratio of 197%, well above its target range, indicating financial stability.

Negative

The net loss ratio increased by 5 points to 40.3%, indicating higher claims or losses.
The combined ratio rose to 76.6% in Q4, slightly above the company's through-the-cycle targets, suggesting increased operational costs or claims.
Factoring services experienced a decline, attributed to a sluggish German industrial economy.
The return on average tangible equity decreased to 11.4% from the previous year, reflecting lower profitability.
The company faces a challenging economic environment with rising insolvencies and subdued revenue growth due to low economic activity levels.

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

COFA.PA - Coface SA
Full Year 2025 Coface SA Earnings Call
Feb 19, 2026 / 05:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good day and thank you for standing by.

Welcome to the cofazsa Folier 2025 results presentation.

At this time, all participants are in a listen-only mode.

After the speaker's presentation, there will be a question-and-answer session.

To ask a question during the session, you will need to press star 11 on your telephone.

You will then have an automated message advising your hand is raised.

To withdraw your question, please press star 11 again.

Please be advised that today's conference is being recorded.

I would now like to have the conference over to your speaker today, Xavier Duband, CEO of the company.

Please go ahead.

Thank you.

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