Coface (COFA.PA) Stock Price
Coface Price
Revenue has compounded at 1.8% per year over the past 19 years to 1.90 B EUR. Earnings per share have grown at 5.1% per year over the last 12 years. Coface's net margin stands at 11.7%, down from 17.5% several years earlier. Coface currently offers a dividend yield of about 8.69%. The payout ratio is around 95% of earnings. The dividend has grown at 11.3% per year over the past 10 years. Analysts set a median price target of 17.34 EUR, implying 7.6% above the current price. Of 11 analysts, 7 rate the stock a buy — an overall Buy consensus. The stock trades about 12% above its 52-week low.
Coface stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Coface over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Coface stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Coface's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Coface Price |
|---|---|
| 9/7/2026 | 16.11 EUR |
| 9/4/2026 | 16.24 EUR |
| 9/3/2026 | 16.18 EUR |
| 9/2/2026 | 16.00 EUR |
| 9/1/2026 | 16.01 EUR |
| 8/31/2026 | 15.96 EUR |
| 8/28/2026 | 16.03 EUR |
| 8/27/2026 | 16.00 EUR |
| 8/26/2026 | 16.06 EUR |
| 8/25/2026 | 16.01 EUR |
| 8/24/2026 | 15.94 EUR |
| 8/21/2026 | 15.87 EUR |
| 8/20/2026 | 15.82 EUR |
| 8/19/2026 | 15.88 EUR |
| 8/18/2026 | 15.92 EUR |
| 8/17/2026 | 15.97 EUR |
| 8/14/2026 | 16.06 EUR |
| 8/13/2026 | 15.92 EUR |
| 8/12/2026 | 16.04 EUR |
| 8/11/2026 | 16.02 EUR |
| 8/10/2026 | 16.04 EUR |
| 8/7/2026 | 16.10 EUR |
| 8/6/2026 | 16.13 EUR |
| 8/5/2026 | 16.07 EUR |
| 8/4/2026 | 16.17 EUR |
| 7/31/2026 | 15.80 EUR |
| 7/30/2026 | 15.90 EUR |
| 7/29/2026 | 15.86 EUR |
| 7/28/2026 | 15.79 EUR |
| 7/27/2026 | 15.71 EUR |
Coface Revenue, EBIT, Net Income
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Coface Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB EUR |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEB EUR |
| EBITM EUR |
| EBIT MARGIN% |
| NET INCOMEM EUR |
| NET INCOME GROWTH% |
| DIVIDENDDIV.EUR |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.30 | 1.31 | 1.37 | 1.30 | 1.23 | 1.24 | 1.30 | 1.11 | 1.28 | 1.57 | 1.60 | 1.65 | 1.90 | 1.75 | 1.81 | 1.83 |
| -0.61 | 0.77 | 4.19 | -5.26 | -5.32 | 0.65 | 5.18 | -14.31 | 14.99 | 22.87 | 1.72 | 2.94 | 15.17 | -7.74 | 3.43 | 0.83 |
| 80.29 | 79.98 | 79.99 | 80.34 | 78.34 | 79.94 | 80.77 | 78.01 | 79.16 | 89.20 | 87.70 | 88.11 | 100.00 | 100.00 | 100.00 | 100.00 |
| 1.05 | 1.05 | 1.10 | 1.04 | 0.96 | 0.99 | 1.05 | 0.87 | 1.01 | 1.40 | 1.40 | 1.45 | 1.90 | 1.75 | 1.81 | 1.83 |
| 195.00 | 186.00 | 175.00 | 108.00 | 167.00 | 217.00 | 246.00 | 172.00 | 321.00 | 412.00 | 439.00 | 452.00 | 332.00 | 309.00 | 321.00 | 342.00 |
| 14.95 | 14.16 | 12.78 | 8.33 | 13.60 | 17.56 | 18.92 | 15.44 | 25.06 | 26.18 | 27.42 | 27.43 | 17.49 | 17.65 | 17.73 | 18.73 |
| 127.00 | 125.00 | 126.00 | 41.00 | 83.00 | 122.00 | 146.00 | 82.00 | 223.00 | 240.00 | 240.00 | 261.00 | 222.00 | 230.00 | 248.00 | 264.00 |
| 2.42 | -1.57 | 0.80 | -67.46 | 102.44 | 46.99 | 19.67 | -43.84 | 171.95 | 7.62 | – | 8.75 | -14.94 | 3.60 | 7.83 | 6.45 |
| – | – | – | 0.48 | 0.07 | 0.34 | 0.79 | – | 0.55 | 1.50 | 1.52 | 1.30 | 1.40 | 1.57 | 1.76 | 1.97 |
| – | – | – | – | -85.42 | 385.71 | 132.35 | – | – | 172.73 | 1.33 | -14.47 | 7.69 | 12.14 | 12.10 | 11.93 |
| 156.84 | 157.22 | 157.55 | 156.92 | 156.82 | 151.30 | 151.03 | 149.69 | 149.03 | 149.06 | 149.01 | 149.33 | 150.16 | 150.16 | 150.16 | 150.16 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Coface generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Coface retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Coface's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Coface has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Coface's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Coface stock margins
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Coface Stock Revenue, EBIT, Earnings per Share
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Coface business model & stock analysis
Coface SWOT Analysis
Strengths
Coface SA possesses several strengths that contribute to its competitive advantage in the market. Firstly, the company has a strong global presence with operations in multiple countries, enabling it to tap into diverse markets and mitigate regional risks. Secondly, Coface SA has a well-established brand reputation, known for its expertise in credit insurance and risk management solutions. This recognition helps attract and retain customers, driving business growth. Additionally, the company's extensive network of partnerships and collaborations strengthens its market position and enhances service offerings.
Weaknesses
Despite its strong presence, Coface SA also faces certain weaknesses that need to be addressed. One key weakness is the company's reliance on a limited number of large clients, which increases dependency and exposes it to potential risks if any of these clients reduce their business. Another weakness is the complex nature of credit insurance products, which may lead to a longer sales cycle and difficulty in educating potential customers about the value of such solutions. Addressing these weaknesses is crucial to maintaining long-term growth and stability.
Opportunities
Coface SA operates in an industry with several growth opportunities. Firstly, the increasing globalization of trade presents a potential market expansion opportunity for the company's credit insurance services. As more businesses engage in cross-border transactions, demand for risk mitigation tools is likely to rise. Additionally, technological advancements and the growing importance of data analytics provide opportunities for Coface SA to enhance its risk assessment capabilities and develop innovative solutions that cater to evolving customer needs. Exploiting these opportunities can enable the company to strengthen its market position and achieve growth objectives.
Threats
Coface SA faces various threats that could impact its business operations and profitability. One significant threat is the volatility and uncertainty in global economic conditions, which directly impact credit risks and demand for insurance products. The company also faces competition from other credit insurers and risk management providers, which could potentially erode its market share. Additionally, regulatory changes and compliance requirements pose challenges to Coface SA, as non-compliance could lead to penalties or limitations on business activities. Proactively addressing these threats through strategic planning and risk mitigation measures is essential for sustained success.
Coface Eulerpool Fair Value
Details
Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Coface historical P/E ratio, EBIT multiple, and P/S ratio
Coface annual returns
Details
Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Coface shares outstanding
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Coface Dividend History
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Coface dividend history and estimates
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Coface dividend payout ratio
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Current Coface forecasts and price targets in September 2026
Analyst Price Targets 2026Coface Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 4/27/2021 | 0.24EUR | - | -EUR | - | 2021 Q1 |
| 7/25/2019 | -EUR | - | 370.47 MEUR | - | 2019 Q2 |
| 2/11/2019 | 0.15EUR | - | 354.23 MEUR | - | 2018 Q4 |
| 7/25/2018 | 0.21EUR | - | 347.64 MEUR | - | 2018 Q2 |
| 4/24/2018 | 0.21EUR | - | 354.23 MEUR | - | 2018 Q1 |
| 7/28/2017 | 0.06EUR | - | 342.05 MEUR | - | 2017 Q2 |
| 2/8/2017 | -0.03EUR | - | 346.11 MEUR | - | 2016 Q4 |
| 2/9/2016 | 0.19EUR | - | 381.88 MEUR | - | 2015 Q4 |
EESG©
Eulerpool ESG Scorecard© for the Coface stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
Coface shareholder structure
| % | Name |
|---|---|
2.14704% | |
1.94220% | |
1.74721% | |
1.35397% | |
1.07291% | |
0.98603% |
Coface Beneficial Ownership Filings (SEC 13D/G)
Coface Executives and Management Board
29 members · avg. age 56 · 41 % women
Mr. Xavier Durand (60)
Chief Executive Officer, Member of the Management Board, Member of the Executive Board
2.35 M EUR
Management
Ms. Phalla Gervais (55)
Chief Financial and Risk Officer, Member of the Management Board, Member of the Executive Committee
Mr. Gonzague Noel (49)
Group Chief Operating Officer
Mr. Pierre Bevierre (57)
Chief Human Resources Officer, Member of the Management Board, Member of the Executive Board
Mr. Hugh Burke
Member of the Executive Committee, Chief Executive Officer, Asia Pacific
Mr. Jaroslaw Jaworski
Member of the Executive Committee, CEO Central and Europe · since 2023
Ms. Katarzyna Kompowska
Member of the Executive Committee, Chief Executive Officer, Northern Europe Region
Board of Directors
Mr. Bernardo Sanchez Incera (65)
Independent Chairman of the Board of Directors
Ms. Laetitia Leonard-Reuter (49)
Independent Director
Ms. Nathalie Lomon (52)
Independent Director
Ms. Isabelle Laforgue (44)
Independent Director
Ms. Sharon Macbeath (56)
Independent Director · since 2014
Ms. Janice Englesbe (56)
Non Independent Director - Representing Arch Capital Group Ltd
Coface Supply Chain
Coface Supply Chain
Correlation: how closely stock prices move together
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | 0.41 | 0.63 | 0.92 |
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | -0.13 | 0.48 | — | ||
| 2 | Ping An Insurance Group H | 0.26 | -0.52 | -0.64 | |
| 3 | 0.48 | -0.45 | 0.22 |
Frequently asked questions about Coface
Coface SA operates with a business model centered around credit insurance and risk management solutions. As a globally renowned company, Coface specializes in providing trade credit insurance services to businesses of all sizes, helping them protect their accounts receivable from potential financial risks. By evaluating and monitoring the creditworthiness of their clients and managing potential defaults, Coface offers peace of mind to businesses, enabling them to trade securely. With their extensive expertise in credit risk assessment, Coface SA plays a crucial role in safeguarding companies and fostering international trade.
Coface SA is primarily active in the financial services industry, specializing in credit insurance and risk management solutions.
The main competitors of Coface SA in the market include Euler Hermes Group, Atradius N.V., and Sinosure. These companies also provide credit insurance and credit risk management services, catering to similar target markets. However, Coface SA differentiates itself through its strong global presence, innovative technologies, and comprehensive risk assessment capabilities. With its extensive experience and expertise, Coface SA maintains a competitive edge in the market, offering tailored solutions to its clients and solidifying its position as a leading player in the credit insurance industry.
Coface SA, founded in 1946, is a renowned global credit insurer and provider of business information services. With its headquarters in France, the company operates in over 100 countries worldwide. Coface SA has a rich history, initially established as an export credit agency before evolving into a global leader in credit insurance and risk management. Over the years, the company expanded its portfolio to offer a comprehensive range of solutions, including trade receivables financing, risk assessment, debt collection, and business intelligence services. Coface SA's strong heritage and extensive global presence make it a trusted partner for businesses seeking reliable credit management solutions.
Some significant milestones achieved by Coface SA include the company's establishment in 1946, its listing on the Paris Stock Exchange in 1997, and its expansion into various international markets. Additionally, Coface SA introduced innovative credit insurance solutions, such as the launch of its online credit limit decision tool in 2003 and the development of its proprietary risk assessment model in 2016. The company has strengthened its position as a global leader in credit insurance and risk management, providing comprehensive solutions to businesses worldwide.
Coface SA is primarily present in multiple countries and regions worldwide. With a global footprint, the company operates in Europe, including France, Germany, Italy, Spain, and the United Kingdom. Additionally, Coface SA has a significant presence in Asia, particularly in China, Hong Kong, India, and Singapore. The company also serves clients in the Americas, with key markets such as the United States and Mexico. Moreover, Coface SA extends its services to Africa and the Middle East, including countries like South Africa and the United Arab Emirates. Hence, Coface SA has a comprehensive international presence, enabling it to cater to diverse business needs across various countries and regions.
Coface SA represents a strong set of values and corporate philosophy. The company places great emphasis on integrity, trust, and excellence in all its operations. With a customer-centric approach, Coface SA is dedicated to providing reliable and innovative solutions for risk management and trade credit insurance. As a global leader in its industry, the company strives for transparency and accountability, ensuring a solid foundation for its clients and stakeholders. Coface SA's commitment to excellence and customer satisfaction sets it apart as a reliable partner in managing credit risk and supporting business growth.
Analysts currently set an average price target of 18.03 EUR for the Coface stock (median: 17.34 EUR), implying +12.4 % versus the latest price. The consensus is based on 11 analyst ratings.
11 analysts currently rate the Coface stock: 7 recommend buying, 4 holding and 0 selling. For 2026, analysts expect Coface to generate revenue of 1.75 B EUR and earnings per share of 1.53 EUR.
The Coface share (COFA.PA) is listed on 6 stock exchanges, including: Frankfurt (65C.F), München (65C.MU), Düsseldorf (65C.DU), London (0QVK.L), Paris (COFA.PA).
Coface SA is a leading global credit insurer that helps companies of all sizes minimize the risk of non-payment by customers. The company offers numerous products and services that aim to assess the creditworthiness of a customer's business partners and help them minimize risks. The business model of Coface is based on providing credit insurance as well as related products and services. Credit insurance is Coface's main product and protects companies from the default of receivables by their customers. It covers the maximum risk of non-payment agreed upon during a fixed term. In addition to credit insurance, the company also offers other products and services that aim to evaluate the creditworthiness of a customer's business partners and minimize risks. For example, the company offers creditworthiness evaluation, which allows for an independent assessment of the creditworthiness of partners. Various factors such as financial data, credit scores, and industry risks are taken into account. Coface also provides various tools that help companies identify and minimize payment risks. For example, the company offers a platform for monitoring customer accounts, which analyzes real-time transaction data to identify potential issues early on. Additionally, there are a range of risk management services and trade and supplier financing. Coface is divided into three main business areas: risk protection, receivables management, and creditworthiness evaluation. The risk protection business area includes the offering of credit insurance and related services. The receivables management business area includes the offering of tools and services to minimize payment risks, such as debt collection. The creditworthiness evaluation business area includes the provision of services to assess the creditworthiness of business partners. Coface operates internationally and is present in over 100 countries worldwide. The company employs over 4,400 people and had a revenue of €1.4 billion in 2020. Overall, Coface's business model is focused on helping companies minimize business risks and non-payment risks by customers. The company offers a wide range of products and services that contribute to the assessment of business partners, monitoring of customer accounts, and minimization of payment risks and debt collection. With its international presence, Coface is able to support customers worldwide and is thus an important partner in the risk management of companies. The main focus of Coface's business model is to minimize the risk of non-payment by customers through credit insurance and related products and services.
The expected revenue of Coface is 1.75 B EUR. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Coface is 230.06 M EUR. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Coface is currently 10.52. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Coface stock.
The price-to-sales ratio (P/S) of Coface is currently 1.38. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Coface stock.
The Eulerpool Quality Score for Coface is 6/10.
The ISIN of Coface is FR0010667147. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Coface is A1XDS6. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Coface is COFA.PA. The ticker symbol is used to trade Coface shares on the stock exchange.
Over the past 12 months, Coface paid a dividend of 1.40 EUR . This corresponds to a dividend yield of about 8.69 %. For the coming 12 months, Coface is expected to pay a dividend of 1.76 EUR.
The current dividend yield of Coface is 8.69 %.
Coface pays a dividend, distributed in the months of , , , .
Coface paid dividends every year for the past 5 years.
For the upcoming 12 months, dividends amounting to 1.76 EUR are expected. This corresponds to a dividend yield of 10.93 %.
Coface is assigned to the 'Finance' sector.
To receive the latest dividend of Coface from amounting to 1.4 EUR, you needed to have the stock in your portfolio before the ex-date on .
The last dividend was paid out on .
In the year 2025, Coface distributed 1.3 EUR as dividends.
The dividends of Coface are distributed in EUR.
Coface stock
Coface Peer Group
Coface Ticker
Coface FIGI
All fundamentals and in-depth analysis of Coface
Our stock analysis for Coface stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Coface. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.