Coface SA (COFA) fair value: what the stock is really worth
As of Sep 28, 2026: fair value of Coface SA €18.79, price €16.54, upside +13.6%, quality 54 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
- Add to watchlist
Coface SA
COFA · PAUndervaluedThe stock appears undervalued with acceptable quality.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range €5.19 – €17.49 · fair‑value band €13.14 – €23.48 · the €16.54 price screens below the €18.79 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
Every Wednesday you see whether Coface is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
COFACE SA, through its subsidiaries, provides trade credit insurance products and services for small and medium enterprises, mid-market companies, international corporations, international companies, financial institutions, and clients of distribution partners.
Show more
COFACE SA, through its subsidiaries, provides trade credit insurance products and services for small and medium enterprises, mid-market companies, international corporations, international companies, financial institutions, and clients of distribution partners. It offers insurance products, including TradeLiner; EasyLiner, a range of contracts for small and medium enterprises; GlobaLiner, that offers multinationals services, and management and oversight tools; CofaNet, a central internet portal that enables policyholders to manage their contracts; Coface Dashboard, a tool providing client risk analyses and reports; CofaMove, a mobile app that includes the key features of CofaNet; CofaServe, an API offer; and AlyX, a credit risk management software, as well as Single Risk medium-term insurance for commercial and political risks. The company also provides business information, debt collection, factoring and surety bonds services. In addition, it offers contract surety bonds, customs and excise bonds, environmental surety bonds, legal bonds for temporary employment companies, and payment guarantees. Further, the company provides Urba360, a universal risk business assessment; Full report that provides complete financial data, a score, a maximum recommended credit limit and debtor risk assessment using an 11-point scale; Snapshot report, an instant report that provides a summary of the key aspects needed to assess business partners; Score which determines a company's ability to meet its short-term financial commitments; Credit Opinions which provides a recommended outstanding amount for a company; compliance control tools; Portfolio Insights and Selectio, an interactive portfolio management tools; and Economic Insights. It has operations in Western Europe, Africa, Northern Europe, Central and Eastern Europe, the Mediterranean, North America, Latin America, and the Asia-Pacific. COFACE SA was founded in 1946 and is headquartered in Bois-Colombes, France.
Stock analysis
Coface SA (COFA) currently trades at €16.54, while our model-based Fair Value estimate is €18.79, implying the stock looks roughly 12.0% undervalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of €19.31 per share, and 4 of the 6 models we run sit above the €16.54 price.
Bear case: the Asset-Based group reads lowest at €9.92, and 2 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: €13.14 (bear) to €23.48 (bull), the price of €16.54 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Coface SA reported revenue of €1.9B in FY2025 versus €1.3B in FY2021, a compound +10.3%/yr. Reported net income was €222M in FY2025, compounding −0.2%/yr from FY2021.
Key figures
Market cap €2.5B · P/E ratio 11.6 · P/S ratio 1.35 · EPS (TTM) €1.43 · Dividend yield 7.6% · Net margin 11.7% · Return on equity 9.5% · Return on assets (EBIT) 4.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 24% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 14% fair-value upside, at 14%, COFA screens richer than that median.
Fair Value models
All 6 models by family
Notify me when COFA reaches fair value
Put COFA on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Of which business quality 50 · Market factors (momentum, volatility) 69
Revenue & earnings trend
Growth Forecast
Watch COFA, get fair value alerts →
Compare Coface SA with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Reinsurance · 25 stocks
Valuation Multiplesvs Insurance - Reinsurance median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: French Stocks
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Reinsurance stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| MUV2 MUV2 | €510.40 | €399.41 | −22% |
| Swiss Re AG SREN | CHF 141.65 | CHF 111.30 | −21% |
| Hannover Rück SE HNR1 | €257.80 | €207.39 | −20% |
| Reinsurance Group RGA | $248.65 | $198.66 | −20% |
| Everest Group EG | $370.43 | $424.02 | +14% |
| RenaissanceRe Holdings RNR | $325.60 | $578.58 | +78% |
| SCOR SE SCR | €33.16 | €37.15 | +12% |
| China Reinsurance (Group) Corporation 1508 | HK$1.21 | HK$2.41 | +100% |
| General Insurance Corporation GICRE | ₹337.50 | ₹406.44 | +20% |
| Hamilton Insurance Group HG | $33.23 | $52.40 | +58% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Coface SA (COFA) overvalued or undervalued?
What is the fair value of COFA?
What is the quality score of COFA?
What is the price target for Coface SA (COFA)?
What is the Coface SA stock forecast for 2026?
What is the revenue of Coface SA (COFA)?
Does Coface SA pay a dividend?
What growth is priced into Coface SA (COFA)?
What discount rate (WACC) does the fair value of COFA use?
What is a reverse DCF?
How much growth has Coface SA (COFA) delivered so far?
How fast is the sector of Coface SA (COFA) growing?
What is the free cash flow yield of Coface SA (COFA)?
What is the intrinsic value of Coface SA (COFA)?
Is Coface SA stock overvalued or undervalued in 2026?
Is fair value the same as the market price of COFA?
How much is Coface SA worth?
What do the bullish and bearish scenarios say about COFA?
What is the P/E ratio of COFA?
How solid is the balance sheet of Coface SA (COFA)?
How far is COFA from its 52-week high?
Which stocks are comparable to Coface SA?
Is Coface SA stock attractive at the current price?
How is the fair value of COFA calculated?
Is it still worth investing in stocks now?
What is the share price of Coface SA (COFA)?
What should I pay attention to with Coface SA right now?
Where does the earnings growth of Coface SA (COFA) come from?
Key figures of Coface SA
How large is the market capitalisation of Coface SA (COFA)?
What is the P/S ratio of Coface SA (COFA)?
What are the earnings per share of Coface SA (COFA)?
What is the dividend yield of Coface SA (COFA)?
What is the net margin of Coface SA (COFA)?
What is the return on equity of Coface SA (COFA)?
What is the EBIT return on assets of Coface SA (COFA)?
What is the operating margin of Coface SA (COFA)?
How fast is revenue growing at Coface SA (COFA)?
How fast are earnings growing at Coface SA (COFA)?
How much net debt does Coface SA (COFA) carry?
Watch Coface SA in the live analysis
One click puts Coface SA on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.