COFACE SA (EPA:COFA)

COFACE Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	1,499	1,513	1,559	1,516	1,313
Total Interest & Dividend Income	81.51	37.58	-7.03	15.15	24.03
Gain (Loss) on Sale of Investments	7.24	14.31	18.17	19.14	2.62
Non-Insurance Activities Revenue	71.88	73.69	72.69	70.41	64.4
Other Revenue	276.72	258.23	236.48	212.95	190.82
Total Revenue	1,936	1,897	1,879	1,833	1,595
Revenue Growth (YoY)	2.07%	0.92%	2.51%	14.98%	7.90%
Policy Benefits	561.57	505.77	558.05	537.69	280.46
Policy Acquisition & Underwriting Costs	191.43	196.48	196.67	170.14	259.32
Selling, General & Administrative	700.23	655.64	613.33	604.24	270.99
Non-Insurance Activities Expense	-0.11	-0.17	0.53	-0.31	13.03
Other Operating Expenses	-0	-	-	-	155.92
Reinsurance Income or Expense	-111.85	-118.44	-104.24	-138.64	-314.29
Total Operating Expenses	1,565	1,476	1,473	1,450	1,294
Operating Income	371.05	420.58	406.55	382.92	300.51
Interest Expense	-40.9	-42.96	-34.27	-29.61	-21.48
Currency Exchange Gain (Loss)	-32.16	-2.71	-38.67	-16.14	15.53
Other Non Operating Income (Expenses)	-	0	-0	0	-0
EBT Excluding Unusual Items	298	374.91	333.61	337.18	294.56
Merger & Restructuring Charges	-2.27	-3.27	-1.63	-2.21	-2.74
Other Unusual Items	-4.13	-5.37	-3.32	-7.32	-0.44
Pretax Income	291.59	366.27	328.65	327.64	291.39
Income Tax Expense	68.95	105.23	88.03	86.92	67.51
Earnings From Continuing Ops.	222.64	261.04	240.62	240.72	223.87
Minority Interest in Earnings	-0.64	0.03	-0.12	-0.27	-0.06
Net Income	222.01	261.07	240.5	240.44	223.82
Net Income to Common	222.01	261.07	240.5	240.44	223.82
Net Income Growth	-14.96%	8.55%	0.02%	7.43%	169.98%
Shares Outstanding (Basic)	149	149	149	149	149
Shares Outstanding (Diluted)	149	149	149	149	149
Shares Change (YoY)	0.09%	0.08%	-0.01%	0.01%	-0.88%
EPS (Basic)	1.49	1.75	1.61	1.61	1.50
EPS (Diluted)	1.49	1.75	1.61	1.61	1.50
EPS Growth	-15.02%	8.70%	0%	7.33%	172.73%
Free Cash Flow	200.64	326.65	268.82	423.19	309.79
Free Cash Flow Per Share	1.34	2.19	1.80	2.84	2.08
Dividend Per Share	1.250	1.400	1.300	1.520	1.500
Dividend Growth	-10.71%	7.69%	-14.47%	1.33%	172.73%
Operating Margin	19.17%	22.17%	21.63%	20.89%	18.85%
Profit Margin	11.47%	13.76%	12.80%	13.11%	14.04%
Free Cash Flow Margin	10.36%	17.22%	14.30%	23.08%	19.43%
EBITDA	413.53	458.71	431.34	408.07	320.24
EBITDA Margin	21.36%	24.18%	22.95%	22.26%	20.08%
D&A For EBITDA	42.48	38.13	24.79	25.15	19.73
EBIT	371.05	420.58	406.55	382.92	300.51
EBIT Margin	19.17%	22.17%	21.63%	20.89%	18.85%
Effective Tax Rate	23.64%	28.73%	26.79%	26.53%	23.17%

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