COFACE SA (EPA:COFA)

COFACE Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	1,519	1,513	1,559	1,516	1,313	1,204
Total Interest & Dividend Income	38.47	37.58	-7.03	15.15	24.03	26.9
Gain (Loss) on Sale of Investments	7.09	14.31	18.17	19.14	2.62	-
Non-Insurance Activities Revenue	73.29	73.69	72.69	70.41	64.4	58.45
Other Revenue	266.8	258.23	236.48	212.95	190.82	188.08
Total Revenue	1,904	1,897	1,879	1,833	1,595	1,478
Revenue Growth (YoY)	1.75%	0.92%	2.51%	14.98%	7.90%	-2.70%
Policy Benefits	548.2	505.77	558.05	537.69	280.46	623.65
Policy Acquisition & Underwriting Costs	196.58	196.48	196.67	170.14	259.32	238.45
Selling, General & Administrative	680.41	655.64	613.33	604.24	270.99	261.81
Non-Insurance Activities Expense	-0.18	-0.17	0.53	-0.31	13.03	12.93
Other Operating Expenses	-	-	-	-	155.92	142.58
Reinsurance Income or Expense	-106.37	-118.44	-104.24	-138.64	-314.29	-44.12
Total Operating Expenses	1,531	1,476	1,473	1,450	1,294	1,324
Operating Income	372.87	420.58	406.55	382.92	300.51	154.23
Interest Expense	-41.15	-42.96	-34.27	-29.61	-21.48	-21.74
Currency Exchange Gain (Loss)	13.93	-2.71	-38.67	-16.14	15.53	-
Other Non Operating Income (Expenses)	0	0	-0	0	-0	-
EBT Excluding Unusual Items	345.65	374.91	333.61	337.18	294.56	132.49
Merger & Restructuring Charges	-4.43	-3.27	-1.63	-2.21	-2.74	-5.82
Impairment of Goodwill	-	-	-	-	-	-0.85
Other Unusual Items	-4.33	-5.37	-3.32	-7.32	-0.44	1.79
Pretax Income	336.89	366.27	328.65	327.64	291.39	127.61
Income Tax Expense	93.45	105.23	88.03	86.92	67.51	44.7
Earnings From Continuing Ops.	243.44	261.04	240.62	240.72	223.87	82.9
Minority Interest in Earnings	-0.43	0.03	-0.12	-0.27	-0.06	-0
Net Income	243.01	261.07	240.5	240.44	223.82	82.9
Net Income to Common	243.01	261.07	240.5	240.44	223.82	82.9
Net Income Growth	-4.29%	8.55%	0.02%	7.43%	169.98%	-43.50%
Shares Outstanding (Basic)	149	149	149	149	149	150
Shares Outstanding (Diluted)	149	149	149	149	149	150
Shares Change (YoY)	0.07%	0.08%	-0.01%	0.01%	-0.88%	-0.53%
EPS (Basic)	1.63	1.75	1.61	1.61	1.50	0.55
EPS (Diluted)	1.63	1.75	1.61	1.61	1.50	0.55
EPS Growth	-4.20%	8.70%	0%	7.33%	172.73%	-43.30%
Free Cash Flow	159.26	326.65	268.82	423.19	309.79	160.46
Free Cash Flow Per Share	1.07	2.19	1.80	2.84	2.08	1.07
Dividend Per Share	1.400	1.400	1.300	1.520	1.500	0.550
Dividend Growth	7.69%	7.69%	-14.47%	1.33%	172.73%	-
Operating Margin	19.58%	22.17%	21.63%	20.89%	18.85%	10.44%
Profit Margin	12.76%	13.76%	12.80%	13.11%	14.04%	5.61%
Free Cash Flow Margin	8.36%	17.22%	14.30%	23.08%	19.43%	10.86%
EBITDA	416.02	462.05	431.34	408.07	320.24	167.84
EBITDA Margin	21.85%	24.36%	22.95%	22.26%	20.08%	11.36%
D&A For EBITDA	43.15	41.48	24.79	25.15	19.73	13.61
EBIT	372.87	420.58	406.55	382.92	300.51	154.23
EBIT Margin	19.58%	22.17%	21.63%	20.89%	18.85%	10.44%
Effective Tax Rate	27.74%	28.73%	26.79%	26.53%	23.17%	35.03%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.