WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. : revenue, balance sheet and financial ratios

WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. is a French company founded 10 years ago, specialized in the sector Autres intermédiations monétaires. Based in PARIS (75008), this company of category PME shows in 2024 a revenue of 5.7 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 - WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. (SIREN 818909293)
Kennzahl 2024 2023 2021 2020 2019 2018 2017 2016
Umsatz 5 733 314 € 5 113 322 € 3 007 927 € 6 522 460 € 7 224 159 € 5 886 420 € 5 624 069 € 1 758 481 €
Nettoergebnis 328 553 € 3 021 727 € -3 140 186 € 154 944 € 378 266 € 164 357 € 257 499 € 93 799 €
EBITDA 1 272 069 € 3 741 928 € -2 947 006 € 695 800 € 810 622 € 195 385 € 482 314 € 159 859 €
Nettomarge 5.7% 59.1% -104.4% 2.4% 5.2% 2.8% 4.6% 5.3%

Umsatz und Gewinn- und Verlustrechnung

In 2024, WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. achieves revenue of 5.7 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +15.9%. Vs 2023, growth of +12% (5.1 M€ -> 5.7 M€). After deducting consumption (0 €), gross margin stands at 5.7 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.3 M€, representing 22.2% of revenue. Warning negative scissor effect: despite revenue change (+12%), EBITDA varies by -66%, reducing margin by 51.0 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 329 k€, i.e. 5.7% 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

5 733 314 €

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

5 733 314 €

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

1 272 069 €

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

579 256 €

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

328 553 €

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

19.4%

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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 68%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 15.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

0.0%

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

68.33%

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

15.634%

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

0.0

Entwicklung der Solvenzkennzahlen
WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S.

Positionnement sectoriel

Debt ratio
0.0 2024
2021
2023
2024
Q1: 0.0
Méd: 0.0
Q3: 38.07
Excellent

In 2024, the debt ratio of WELLS FARGO INTERNATIONAL... (0.00) 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
68.33% 2024
2021
2023
2024
Q1: 6.06%
Méd: 9.53%
Q3: 57.67%
Excellent +57 pts über 3 Jahre

In 2024, the financial autonomy of WELLS FARGO INTERNATIONAL... (68.3%) 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
0.0 years 2024
2021
2023
2024
Q1: 0.0 years
Méd: 0.0 years
Q3: 0.76 years
Excellent

In 2024, the repayment capacity of WELLS FARGO INTERNATIONAL... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquiditätskennzahlen

The liquidity ratio (= Current assets / Current liabilities) stands at 852.81. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 2.0x. Coverage is limited: any activity downturn would jeopardize interest payments.

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

852.814

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

1.989

Entwicklung der Liquiditätskennzahlen
WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S.

Positionnement sectoriel

Liquidity ratio
852.81 2024
2021
2023
2024
Q1: 0.0
Méd: 42.63
Q3: 395.8
Excellent +31 pts über 3 Jahre

In 2024, the liquidity ratio of WELLS FARGO INTERNATIONAL... (852.81) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
1.99x 2024
2021
2023
2024
Q1: 0.0x
Méd: 0.0x
Q3: 0.73x
Excellent +50 pts über 3 Jahre

In 2024, the interest coverage of WELLS FARGO INTERNATIONAL... (2.0x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

Umlaufvermögensbedarf und Zahlungsfristen

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 24 days of revenue, i.e. 379 k€ to permanently finance. Notable WCR improvement over the period (-47%), freeing up cash.

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

378 571 €

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

0 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

0 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

0 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

24 j

Entwicklung des Working Capital und der Zahlungsfristen
WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S.

Positionnement de WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. dans son secteur

Vergleich mit der Branche Autres intermédiations monétaires

Bewertungsschätzung

Based on 82 transactions of similar company sales in 2024, the value of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. is estimated at 5 688 453 € (range 1 372 414€ - 8 274 415€). With an EBITDA of 1 272 069€, the sector multiple of 6.9x is applied. The price/revenue ratio is 0.59x (in line with sector norms). 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
82 tx
1372k€ 5688k€ 8274k€
5 688 453 € Range: 1 372 414€ - 8 274 415€
Section année 2024 Aggregated at NAF section level

Valuation detail by method

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EBITDA Multiple 50%
1 272 069 € × 6.9x
Estimation 8 836 113 €
1 348 572€ - 11 933 105€
Revenue Multiple 30%
5 733 314 € × 0.59x
Estimation 3 375 613 €
2 100 058€ - 4 767 019€
Net Income Multiple 20%
328 553 € × 3.9x
Estimation 1 288 568 €
340 555€ - 4 388 785€

Bewertungsentwicklung

How is this estimate calculated?

This estimate is based on the analysis of 82 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 (Autres intermédiations monétaires)

Compare WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiations monétaires

Frequently asked questions about WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S.

What is the revenue of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. ?

The revenue of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. in 2024 is 5.7 M€.

Is WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. profitable?

Yes, WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. generated a net profit of 329 k€ in 2024.

Where is the headquarters of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. ?

The headquarters of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. is located in PARIS (75008), in the department Paris.

Where to find the tax return of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. ?

The tax return of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. 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 WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. operate?

WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.