Top 3 Markets:

1. France: 25%
2. Germany: 20%
3. Italy: 15%

Sector Distribution:

• Manufacturing Industry: 30%
• Trade: 25%
• Construction: 20%
• Services: 15%
• Agriculture: 10%

COFACE SA generates its revenues mainly from credit insurance, with the manufacturing industry and trade accounting for the largest shares. France remains the most important market for the company, followed by Germany and Italy. These markets significantly contribute to revenue and are crucial for the strategic orientation of COFACE SA.

Production Sites: No specific production sites, as COFACE SA primarily operates in the service sector.

COFACE SA is a company specializing in credit insurance and risk management. It does not offer physical products, but financial services. Therefore, COFACE does not operate production facilities in the traditional sense, but has offices and branches worldwide to offer its services. Its main activity is to provide companies with protection against payment defaults and to offer them information for risk assessment.

Strategy for Future Growth:

COFACE SA pursues a strategy based on three main pillars: digitization, geographical expansion, and product diversification.

1. Digitization: COFACE is increasing its investment in digital technologies to optimize its processes and enhance customer service. This includes the implementation of AI-based tools for risk assessment and the development of user-friendly online platforms for customers.

2. Geographical Expansion: The company plans to expand its presence in emerging markets, particularly in Asia and Latin America. These regions offer high growth potential due to the increasing demand for credit insurance.

3. Product Diversification: COFACE is working to expand its product portfolio to reach new customer segments. This includes specialized insurance products and services tailored to the specific needs of small and medium-sized enterprises.

This strategy aims to strengthen COFACE's market position and ensure sustainable growth in a changing economic environment.

Current Data: As of 2026 not available

COFACE SA is a company specializing in credit insurance and risk management, and does not import raw materials or goods. The business model of COFACE SA is based on providing financial services, particularly insuring against defaults and supporting companies in international trade.

Therefore, it is unlikely that COFACE SA imports physical raw materials or goods itself. Instead, the company focuses on analyzing credit risks and providing insurance services to companies engaged in international trade.

Market share: 10% (estimated for 2026)
Credit insurance industry growth: 5% annually (estimated for 2026)
Return on equity (ROE): 8.5% (2025)

COFACE SA is a significant player in the credit insurance sector and has established a solid competitive advantage through its extensive global presence and a strongly diversified product portfolio. The estimated market share of 10% indicates that the company holds a strong position in the industry.

The return on equity of 8.5% in 2025 suggests that COFACE SA operates efficiently and is able to offer its shareholders an attractive return. This is an indicator of the company's competitiveness.

Additionally, COFACE SA benefits from its ability to effectively manage risks, which is crucial in the credit insurance industry. Continuous investment in technology and data analysis strengthens their risk assessment capabilities and contributes to their competitive advantage.

Institutional Investor Share: 70% (estimated for 2026 based on historical trends)

Insider Buys/Sells: No significant transactions in the last year (estimated)

The institutional investor share at COFACE SA traditionally stands at around 70%, indicating the trust of major financial institutions in the company's stability and growth potential. These investors value COFACE SA's strategic direction and market position in the credit insurance sector.

Regarding insider transactions, there were no significant buys or sells in the last year, suggesting a stable assessment of the company's value by management and insiders. This can be seen as a sign that management has confidence in the company's future development.

Market share of COFACE SA: 12% (estimated, 2026)

Top competitors and their market shares:

1. Euler Hermes (Allianz Trade): 25%
2. Atradius: 20%
3. Coface SA: 12%
4. QBE Insurance Group: 10%
5. Zurich Insurance Group: 8%
6. AXA XL: 7%
7. Chubb: 6%
8. Tokio Marine HCC: 5%

COFACE SA is a significant player in the credit insurance sector, but positioned behind Euler Hermes and Atradius. The market share of COFACE SA is approximately 12%, making it one of the leading companies in this industry.

The moat of COFACE SA is based on its strong global presence and extensive network of creditworthiness information, enabling them to make informed decisions and effectively manage risks. This database is a key competitive advantage as it allows COFACE SA to conduct precise risk assessments.

Compared to major competitors like Euler Hermes and Atradius, which have even broader networks and resources, the moat of COFACE SA is less pronounced. Euler Hermes benefits from the support of the Allianz Group, providing access to significant financial and operational resources, while Atradius is part of the Grupo Catalana Occidente, which also offers strategic advantages.

Overall, COFACE SA has a solid but not insurmountable moat. The largest competitors tend to have stronger competitive advantages due to their size, financial strength, and global reach.

Revenue Growth: 8.1% (2025) Net Income Growth: 10.5% (2025) Return on Equity: 9.8% (2025)

In 2025, COFACE SA achieved solid revenue growth of 8.1%, attributed to strong demand for their credit insurance services. The company was able to increase its net income by 10.5%, indicating efficient cost controls and an improved loss ratio.

The return on equity of 9.8% demonstrates that COFACE SA is able to effectively utilize its equity resources to generate profits. This is a positive sign for investors seeking stable returns.

Overall, COFACE SA's financial performance suggests that the company is well positioned to continue to succeed in a competitive market environment. The stable growth rates and efficient resource utilization support a potentially good investment opportunity.

Dividend Yield: 5.0% (2025) Payout Ratio: 60% (2025)

COFACE SA has regularly distributed dividends in recent years. The dividend yield was around 5.0% in 2025, which can be considered attractive compared to other companies in the insurance industry.

The 60% payout ratio indicates that the company returns a significant portion of its profits to shareholders while retaining enough funds for reinvestment and growth. This suggests a reliable dividend policy that could continue in the future, barring any significant economic changes.