BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE : revenue, balance sheet and financial ratios

BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE is a French company founded 71 years ago, specialized in the sector Autres intermédiations monétaires. Based in BORDEAUX (33100), this company of category GE shows in 2024 a revenue of 426.6 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

Financial history - BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE (SIREN 755501590)
Indicator 2024 2023 2022 2021 2019 2018 2017 2016
Revenue 426 562 000 € 432 238 000 € N/C N/C 408 272 000 € N/C N/C N/C
Net income 90 738 000 € 0 € 0 € 0 € 92 885 000 € 80 145 000 € 0 € 0 €
EBITDA 174 932 000 € 432 238 000 € N/C -262 157 000 € 408 272 000 € N/C N/C N/C
Net margin 21.3% 0.0% N/C N/C 22.8% N/C N/C N/C

Revenue and income statement

In 2024, BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE achieves revenue of 426.6 M€. Revenue is growing positively over 8 years (CAGR: +0.9%). Slight decline of -1% vs 2023. After deducting consumption (0 €), gross margin stands at 426.6 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 174.9 M€, representing 41.0% of revenue. Warning negative scissor effect: despite revenue change (-1%), EBITDA varies by -60%, reducing margin by 59.0 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 90.7 M€, i.e. 21.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

426 562 000 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

426 562 000 €

EBITDA (2024) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

174 932 000 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

106 677 000 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

90 738 000 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

41.0%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 1158%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 8%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 124.3 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 46.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

1157.592%

Financial autonomy (2024) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

7.857%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

46.569%

Repayment capacity (2024) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

124.28

Solvency indicators evolution
BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE

Sector positioning

Debt ratio
1157.59 2024
2022
2023
2024
Q1: 0.0
Med: 0.0
Q3: 38.07
Watch +16 pts over 3 years

In 2024, the debt ratio of BANQUE POPULAIRE AQUITAIN... (1157.59) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
7.86% 2024
2022
2023
2024
Q1: 6.06%
Med: 9.53%
Q3: 57.67%
Average

In 2024, the financial autonomy of BANQUE POPULAIRE AQUITAIN... (7.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
124.28 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.76 years
Average -5 pts over 3 years

In 2024, the repayment capacity of BANQUE POPULAIRE AQUITAIN... (124.28) 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.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 22505 days of revenue, i.e. 26.7 Bn€ to permanently finance.

Operating WCR (2024) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

26 666 510 633 €

Customer credit (2024) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

0 j

Supplier credit (2024) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

0 j

Inventory turnover (2024) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

22505 j

WCR and payment terms evolution
BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE

Positioning of BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE in its sector

Comparison with sector Autres intermédiations monétaires

Valuation estimate

Based on 82 transactions of similar company sales in 2024, the value of BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE is estimated at 754 079 194 € (range 158 410 468€ - 1 169 321 486€). With an EBITDA of 174 932 000€, 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
158410k€ 754079k€ 1169321k€
754 079 194 € Range: 158 410 468€ - 1 169 321 486€
Section année 2024 Aggregated at NAF section level

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
174 932 000 € × 6.9x
Estimation 1 215 121 873 €
185 452 481€ - 1 641 013 133€
Revenue Multiple 30%
426 562 000 € × 0.59x
Estimation 251 147 626 €
156 245 606€ - 354 669 068€
Net Income Multiple 20%
90 738 000 € × 3.9x
Estimation 355 869 851 €
94 052 732€ - 1 212 070 999€

Valuation evolution

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 BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiations monétaires

Frequently asked questions about BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE

What is the revenue of BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE ?

The revenue of BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE in 2024 is 426.6 M€.

Is BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE profitable?

Yes, BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE generated a net profit of 90.7 M€ in 2024.

Where is the headquarters of BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE ?

The headquarters of BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE is located in BORDEAUX (33100), in the department Gironde.

Where to find the tax return of BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE ?

The tax return of BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE 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 BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE operate?

BANQUE POPULAIRE AQUITAINE CENTRE ATLANTIQUE operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.