STEF TRANSPORT SAINT-ETIENNE : revenue, balance sheet and financial ratios

STEF TRANSPORT SAINT-ETIENNE is a French company founded 29 years ago, specialized in the sector Transports routiers de fret de proximité. Based in SAINT-ETIENNE (42000), this company of category GE shows in 2024 a revenue of 23.0 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Historique financier - STEF TRANSPORT SAINT-ETIENNE (SIREN 410587000)
Kennzahl 2024 2023 2022 2021 2020 2019 2018 2017 2016
Umsatz 22 988 819 € 21 776 130 € 23 002 632 € 20 032 824 € 17 166 188 € 19 307 569 € 18 833 149 € 16 527 552 € 14 965 688 €
Nettoergebnis 1 289 398 € 1 310 765 € 1 610 487 € 1 131 853 € 805 642 € 1 083 397 € 1 142 812 € 988 206 € 829 342 €
EBITDA 2 202 670 € 2 318 250 € 2 828 501 € 2 376 251 € 1 674 549 € 2 340 877 € 2 333 409 € 2 202 341 € 1 856 137 €
Nettomarge 5.6% 6.0% 7.0% 5.6% 4.7% 5.6% 6.1% 6.0% 5.5%

Umsatz und Gewinn- und Verlustrechnung

In 2024, STEF TRANSPORT SAINT-ETIENNE achieves revenue of 23.0 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +5.5%. Vs 2023: +6%. After deducting consumption (1.4 M€), gross margin stands at 21.6 M€, i.e. a rate of 94%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 2.2 M€, representing 9.6% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.3 M€, i.e. 5.6% of revenue. This profit can be retained or distributed to shareholders.

Umsatz (2024) ?
Umsatz
Definition
Gesamtbetrag der Verkäufe von Waren und Dienstleistungen des Unternehmens.
Formel
Warenverkäufe + Verkaufte Produktion

22 988 819 €

Bruttomarge (2024) ?
Bruttomarge
Definition
Differenz zwischen Umsatz und Wareneinsatz.
Formel
Umsatz - Wareneinsatz

21 616 656 €

EBITDA (2024) ?
EBITDA (Betriebsergebnis vor Abschreibungen)
Definition
Ressource générée par l'activité courante, avant amortissements et charges financières.
Formel
Wertschöpfung - Personalkosten - Steuern
Interpretation
Positiv = rentable Tätigkeit

2 202 670 €

EBIT (2024) ?
EBIT (Betriebsergebnis)
Definition
Betriebsergebnis, einschließlich Abschreibungen und Rückstellungen.
Formel
EBITDA - Abschreibungen und Rückstellungen + Auflösungen

1 688 579 €

Nettoergebnis (2024) ?
Nettoergebnis
Definition
Bénéfice ou perte après toutes les charges, y compris impôts et éléments exceptionnels.
Formel
Ordentliches Ergebnis + Außerordentliches Ergebnis - Ertragsteuern

1 289 398 €

EBITDA-Marge (2024) ?
EBITDA-Marge
Definition
Misst die operative Rentabilität des Unternehmens.
Formel
(EBE / CA) x 100
Interpretation
> 10% : Gute Rentabilität
5-10% : Durchschnitt
< 5% : Faible

9.6%

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Solvenz- und Verschuldungskennzahlen

The debt ratio (= Financial debt / Equity x 100) stands at 0%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 61%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 4.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Verschuldungsgrad (2024) ?
Verschuldungsgrad
Definition
Misst das Verhältnis von Schulden zu Eigenkapital.
Formel
(Finanzschulden / Eigenkapital) x 100
Interpretation
< 50% : Faible
50-100% : Moderat
> 100% : Hoch

0.241%

Finanzielle Autonomie (2024) ?
Finanzielle Autonomie
Definition
Anteil des Eigenkapitals an der Gesamtfinanzierung.
Formel
(Eigenkapital / Bilanzsumme) x 100
Interpretation
> 30% : Gute Autonomie
20-30% : Durchschnitt
< 20% : Faible

61.278%

Cashflow / Umsatz (2024) ?
Cashflow / Umsatz
Definition
Capacité d'autofinancement rapportée au chiffre d'affaires.
Formel
(CAF / CA) x 100
Interpretation
Je höher das Verhältnis, desto mehr Liquidität generiert das Unternehmen

4.804%

Rückzahlungsfähigkeit (2024) ?
Rückzahlungsfähigkeit
Definition
Anzahl der Jahre zur Schuldenrückzahlung mit dem Cashflow.
Formel
Dettes financières / CAF
Interpretation
< 3 Jahre : Ausgezeichnet
3-5 Jahre : Angemessen
> 5 Jahre : Attention

0.016

Anlagenaltersquote (2024) ?
Anlagenaltersquote
Definition
Misst den Abnutzungsgrad des Sachanlagevermögens.
Formel
Kumulierte Abschreibungen / Bruttoanlagevermögen x 100
Interpretation
< 50% : Neue Anlagen
50-70% : Normale Abnutzung
> 70% : Alternde Anlagen

35.5%

Entwicklung der Solvenzkennzahlen
STEF TRANSPORT SAINT-ETIENNE

Positionnement sectoriel

Debt ratio
0.24 2024
2022
2023
2024
Q1: 1.8
Méd: 27.54
Q3: 87.06
Excellent

In 2024, the debt ratio of STEF TRANSPORT SAINT-ETIENNE (0.24) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
61.28% 2024
2022
2023
2024
Q1: 13.27%
Méd: 31.55%
Q3: 51.53%
Excellent

In 2024, the financial autonomy of STEF TRANSPORT SAINT-ETIENNE (61.3%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.02 years 2024
2022
2023
2024
Q1: 0.0 years
Méd: 0.0 years
Q3: 1.46 years
Average

In 2024, the repayment capacity of STEF TRANSPORT SAINT-ETIENNE (0.02) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.

Liquiditätskennzahlen

The liquidity ratio (= Current assets / Current liabilities) stands at 239.74. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquiditätsquote (2024) ?
Liquiditätsquote
Definition
Fähigkeit, kurzfristige Schulden mit dem Umlaufvermögen zu decken.
Formel
Umlaufvermögen / Kurzfristige Verbindlichkeiten
Interpretation
> 1.5 : Sehr gut
1-1.5 : Angemessen
< 1 : Risque de liquidité

239.738

Zinsdeckung (2024) ?
Zinsdeckung
Definition
Fähigkeit, Zinsaufwendungen mit dem Betriebsergebnis zu decken.
Formel
EBIT / Zinsaufwendungen
Interpretation
> 3 : Komfortabel
1.5-3 : Acceptable
< 1.5 : Risiko

0.0

Entwicklung der Liquiditätskennzahlen
STEF TRANSPORT SAINT-ETIENNE

Positionnement sectoriel

Liquidity ratio
239.74 2024
2022
2023
2024
Q1: 117.28
Méd: 164.75
Q3: 253.6
Good

In 2024, the liquidity ratio of STEF TRANSPORT SAINT-ETIENNE (239.74) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: 0.0x
Méd: 0.0x
Q3: 3.91x
Average -25 pts über 3 Jahre

In 2024, the interest coverage of STEF TRANSPORT SAINT-ETIENNE (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

Umlaufvermögensbedarf und Zahlungsfristen

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 38 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 51 days. Favorable situation: supplier credit is longer than customer credit by 13 days. Inventory turnover is 5 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 139 days of revenue, i.e. 8.9 M€ to permanently finance. Over 2016-2024, WCR increased by +120%, requiring additional financing.

Operatives Working Capital (2024) ?
Operatives Working Capital
Definition
Besoin de financement généré par le cycle d'exploitation (stocks + créances - dettes fournisseurs).
Formel
Stocks + Créances clients - Dettes fournisseurs
Interpretation
Negativ = freigesetzte Liquidität
Positiv = Finanzierungsbedarf

8 876 443 €

Kundenforderungen (2024) ?
Kundenforderungen (Tage)
Definition
Durchschnittliche Zahlungsfrist für Kunden.
Formel
(Kundenforderungen / Umsatz inkl. MwSt.) x 360
Interpretation
< 45j : Gut
45-60j : Durchschnitt
> 60j : Lang

38 j

Lieferantenverbindlichkeiten (2024) ?
Lieferantenverbindlichkeiten (Tage)
Definition
Durchschnittliche Zahlungsfrist von Lieferanten.
Formel
(Lieferantenverbindlichkeiten / Einkäufe inkl. MwSt.) x 360
Interpretation
Je länger die Frist, desto besser für die Liquidität

51 j

Lagerumschlag (2024) ?
Lagerumschlag (Tage)
Definition
Durchschnittliche Lagerdauer für Waren oder Materialien.
Formel
(Vorräte / Einkaufskosten) x 360
Interpretation
Je niedriger das Verhältnis, desto schneller der Umschlag

5 j

Working Capital in Umsatztagen (2024) ?
Working Capital in Umsatztagen
Definition
Drückt den Betriebskapitalbedarf in Umsatztagen aus.
Formel
(BFR exploitation / CA) x 360
Interpretation
Je weniger Tage, desto besser das Working Capital Management

139 j

Entwicklung des Working Capital und der Zahlungsfristen
STEF TRANSPORT SAINT-ETIENNE

Positionnement de STEF TRANSPORT SAINT-ETIENNE dans son secteur

Vergleich mit der Branche Transports routiers de fret de proximité

Bewertungsschätzung

Based on 71 transactions of similar company sales in 2024, the value of STEF TRANSPORT SAINT-ETIENNE is estimated at 3 446 791 € (range 1 563 200€ - 9 009 701€). With an EBITDA of 2 202 670€, the sector multiple of 0.9x is applied. The price/revenue ratio is 0.23x (conservative valuation). This multiples method compares the actual sale price of similar companies to their financial indicators (Revenue, EBITDA, Net Income). It provides a market-based indicative estimate.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2024
71 tx
1563k€ 3446k€ 9009k€
3 446 791 € Range: 1 563 200€ - 9 009 701€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
2 202 670 € × 0.9x
Estimation 2 022 868 €
1 439 557€ - 8 159 598€
Revenue Multiple 30%
22 988 819 € × 0.23x
Estimation 5 211 199 €
2 434 278€ - 8 497 963€
Net Income Multiple 20%
1 289 398 € × 3.4x
Estimation 4 359 990 €
565 692€ - 11 902 569€

Bewertungsentwicklung

How is this estimate calculated?

This estimate is based on the analysis of 71 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Transports routiers de fret de proximité)

Compare STEF TRANSPORT SAINT-ETIENNE with other companies in the same sector:

Voir toutes les statistiques du secteur Transports routiers de fret de proximité

Frequently asked questions about STEF TRANSPORT SAINT-ETIENNE

What is the revenue of STEF TRANSPORT SAINT-ETIENNE ?

The revenue of STEF TRANSPORT SAINT-ETIENNE in 2024 is 23.0 M€.

Is STEF TRANSPORT SAINT-ETIENNE profitable?

Yes, STEF TRANSPORT SAINT-ETIENNE generated a net profit of 1.3 M€ in 2024.

Where is the headquarters of STEF TRANSPORT SAINT-ETIENNE ?

The headquarters of STEF TRANSPORT SAINT-ETIENNE is located in SAINT-ETIENNE (42000), in the department Loire.

Where to find the tax return of STEF TRANSPORT SAINT-ETIENNE ?

The tax return of STEF TRANSPORT SAINT-ETIENNE is available on this page. Click on a year in the 'Data by year' section to view the account details (assets, liabilities, income statement). Data comes from INPI (National Institute of Industrial Property).

In which sector does STEF TRANSPORT SAINT-ETIENNE operate?

STEF TRANSPORT SAINT-ETIENNE operates in the sector Transports routiers de fret de proximité (NAF code 49.41B). See the 'Sector positioning' section above to compare the company with its competitors.