{"id":5587,"date":"2025-08-05T12:32:48","date_gmt":"2025-08-05T12:32:48","guid":{"rendered":"https:\/\/detralytics.com\/?p=5587"},"modified":"2026-08-21T13:31:09","modified_gmt":"2026-08-21T13:31:09","slug":"financial-statement-analysis-of-insurance-companies","status":"publish","type":"post","link":"https:\/\/detralytics.com\/fr\/training\/financial-statement-analysis-of-insurance-companies\/","title":{"rendered":"Analyse des \u00e9tats financiers des compagnies \nd\u2019assurance : Au-del\u00e0 des chiffres"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5587\" class=\"elementor elementor-5587\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fcfdada e-con-full e-flex e-con e-parent\" data-id=\"fcfdada\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 1000 100\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c49836 elementor-widget elementor-widget-heading\" data-id=\"8c49836\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Analyse des \u00e9tats financiers des compagnies \nd\u2019assurance : Au-del\u00e0 des chiffres<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e0efed elementor-widget elementor-widget-heading\" data-id=\"1e0efed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">D. Hainaut, PhD<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4fae3a2 e-con-full e-flex e-con e-parent\" data-id=\"4fae3a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ab7afb1 e-con-full e-flex e-con e-child\" data-id=\"ab7afb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-254f0bc elementor-widget elementor-widget-heading\" data-id=\"254f0bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Description<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2e84fd elementor-widget elementor-widget-text-editor\" data-id=\"d2e84fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Notre Directeur Scientifique, Donatien Hainaut, vous proposera une pr\u00e9sentation \u00e0 la fois concise et compl\u00e8te des principaux ratios boursiers ainsi que des techniques d\u2019analyse des mouvements \u00e0 court terme des march\u00e9s financiers.&nbsp;<\/p><p>Nous commencerons par passer en revue des ratios tels que le Market to Book, le Price to Earnings, le Price-Earnings to Growth (PEG), le Payout Ratio et le Dividend Yield.&nbsp;<\/p><p>Nous introduirons ensuite les outils chartistes utilis\u00e9s pour anticiper l\u2019\u00e9volution des cours \u00e0 partir de donn\u00e9es de march\u00e9. L\u2019accent sera mis sur les moyennes mobiles (MA), la convergence-divergence des moyennes mobiles (MACD), le momentum, les bandes de Bollinger ainsi que l\u2019oscillateur stochastique. Ces concepts seront illustr\u00e9s par des exemples concrets et l\u2019utilisation d\u2019outils web gratuits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f06f64 elementor-widget elementor-widget-heading\" data-id=\"0f06f64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Programme<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfd7b0a elementor-widget elementor-widget-text-editor\" data-id=\"dfd7b0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Partie 1 : Lecture des \u00e9tats financiers<\/strong><\/p><ol><li style=\"margin-bottom: 20px;\">\u00c9tats financiers<ul><li>Bilan et compte de r\u00e9sultat<\/li><li>Flux de tr\u00e9sorerie<\/li><\/ul><\/li><li style=\"margin-bottom: 20px;\">Introduction \u00e0 IFRS 9, 4 et 17<ul><li>IFRS 9 : comptabilisation des investissements<\/li><li>IFRS 4 : principes du shadow accounting<\/li><li>IFRS 17 : Building Block Approach (BBA) et Variable Fee Approach (VFA)<\/li><\/ul><\/li><\/ol><p><strong>Partie 2 : Analyse des ratios<\/strong><\/p><ol><li>Analyse des capitaux employ\u00e9s<ul><li>Analyse du fonds de roulement et du capital employ\u00e9<\/li><li>Ratios de liquidit\u00e9, de levier et d\u2019endettement<\/li><\/ul><\/li><li>Analyse de la marge<ul><li>Restructuration du compte de r\u00e9sultat<\/li><li>Valeur ajout\u00e9e, EBIT et marges nettes<\/li><li>Sinistre, ratios combin\u00e9s et r\u00e9assurance<\/li><\/ul><\/li><li>Analyse de rentabilit\u00e9<ul><li>ROE, ROCE et ROA<\/li><li>Leviers financiers et assurantiels<\/li><li>Co\u00fbts du passif, rentabilit\u00e9 et marges<\/li><\/ul><\/li><\/ol><div>\u00a0<\/div><p><strong>Partie 3 : \u00c9valuation de l\u2019entreprise<\/strong><\/p><ol><li>Parts et ratios boursiers<ul><li>MBR, PER, PEG<\/li><li>Analyse du ratio de distribution et des dividendes<\/li><\/ul><\/li><li>Co\u00fbt du financement d\u2019entreprise<ul><li>Mod\u00e8le de tarification des immobilisations, CAPM<\/li><li>Co\u00fbt des dettes<\/li><li>Co\u00fbt moyen pond\u00e9r\u00e9 du capital WACC<\/li><\/ul><\/li><li>\u00c9valuation de l\u2019assurance d\u2019entreprise<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7daa359 e-con-full e-flex e-con e-child\" data-id=\"7daa359\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-998a848 elementor-widget elementor-widget-heading\" data-id=\"998a848\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Orateur<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c32e831 elementor-widget elementor-widget-image\" data-id=\"c32e831\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1042\" height=\"1042\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond.jpg\" class=\"attachment-full size-full wp-image-2876\" alt=\"Donatien Hainaut\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond.jpg 1042w, https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond-768x768.jpg 768w, https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond-146x146.jpg 146w, https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond-50x50.jpg 50w, https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond-75x75.jpg 75w, https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond-85x85.jpg 85w, https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond-80x80.jpg 80w\" sizes=\"(max-width: 1042px) 100vw, 1042px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4341a6 e-con-full e-flex e-con e-child\" data-id=\"d4341a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca8ac72 elementor-widget elementor-widget-heading\" data-id=\"ca8ac72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Donatien Hainaut<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c191799 elementor-widget elementor-widget-text-editor\" data-id=\"c191799\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Conseiller Scientifique, Detralytics<\/em><br \/><em>Professeur, UCLouvain<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f29719 e-con-full e-flex e-con e-child\" data-id=\"0f29719\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5de7e2a elementor-widget elementor-widget-text-editor\" data-id=\"5de7e2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Date : <\/b>\u00c0 la demande<\/p><p><b><\/b><b>Dur\u00e9e : <\/b>9h<\/p><p><b>Accr\u00e9ditation :<\/b> 9CPD &#8211; 54PPC<\/p><p><b>Niveau :<\/b> Tout<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-678e6db e-con-full e-flex e-con e-child\" data-id=\"678e6db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-898935e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"898935e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"mailto:learning@detralytics.eu\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Introduire une demande<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d088ba1 elementor-widget elementor-widget-spacer\" data-id=\"d088ba1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89b6347 e-con-full e-flex e-con e-parent\" data-id=\"89b6347\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-383049d elementor-widget elementor-widget-heading\" data-id=\"383049d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comp\u00e9tences acquises<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc0d89b elementor-widget elementor-widget-text-editor\" data-id=\"bc0d89b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00c0 l\u2019issue de cette formation, les participants seront capables d\u2019analyser les comptes IFRS d\u2019une compagnie d\u2019assurance. Ils ma\u00eetriseront des concepts tels que IFRS9, IFRS4 et IFRS17 ainsi que tous les ratios de performances et de structure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d47b7c e-con-full e-flex e-con e-parent\" data-id=\"6d47b7c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc3d72a elementor-widget elementor-widget-heading\" data-id=\"cc3d72a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c0 propos de notre orateur<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-224cb75 elementor-widget elementor-widget-heading\" data-id=\"224cb75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Donatien Hainaut<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58dff6d elementor-widget elementor-widget-text-editor\" data-id=\"58dff6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"has-text-color has-link-color wp-elements-ae5c48d82f22f2e0c01ebb851eee595b\">Donatien Hainaut est Conseiller Scientifique chez Detralytics et Professeur \u00e0 l\u2019UCLouvain (Belgique), o\u00f9 il dirige le Master en Data Science \u00e0 orientation statistique. Auparavant, il a occup\u00e9 plusieurs postes acad\u00e9miques, notamment en tant que Professeur Associ\u00e9 \u00e0 la Rennes School of Business et \u00e0 l\u2019ENSAE \u00e0 Paris. Il poss\u00e8de \u00e9galement une solide exp\u00e9rience en entreprise, ayant travaill\u00e9 comme Risk Officer, Quantitative Analyst et ALM Officer.<\/p><p class=\"has-text-color has-link-color wp-elements-319687f5e483df5041193c0b748e25dd\">Actuaire qualifi\u00e9 et titulaire d\u2019un doctorat en Asset and Liability Management, ses recherches actuelles portent sur les m\u00e9canismes de contagion dans les processus stochastiques ainsi que sur les applications des r\u00e9seaux de neurones en assurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4acc00f e-flex e-con-boxed e-con e-parent\" data-id=\"4acc00f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ccf5b76 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"ccf5b76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/detralytics.com\/fr\/trainings\/#opentrainings\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Nos formations<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Acqu\u00e9rez une compr\u00e9hension approfondie des \u00e9tats financiers des compagnies d\u2019assurance et apprenez \u00e0 analyser leur performance. Transformez les informations publi\u00e9es en indicateurs cl\u00e9s, pour \u00e9valuer efficacement leurs activit\u00e9s et leur solidit\u00e9.<\/p>","protected":false},"author":1,"featured_media":5608,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[143],"tags":[148],"class_list":["post-5587","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-training","tag-actuarial-science"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Happy Learning Hours : Assurance \u00e9quitable<\/title>\n<meta name=\"description\" content=\"Cette formation gratuite explore les principes de l&#039;\u00e9quit\u00e9 actuarielle et les d\u00e9fis pos\u00e9s par la corr\u00e9lation entre les facteurs de segmentation et certaines caract\u00e9ristiques prot\u00e9g\u00e9es par les lois 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