BANQUE POPULAIRE AUVERGNE RHONE ALPES : revenue, balance sheet and financial ratios

BANQUE POPULAIRE AUVERGNE RHONE ALPES is a French company founded 71 years ago, specialized in the sector Autres intermédiations monétaires. Based in LYON (69003), this company of category GE shows in 2023 a revenue of 777.2 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 AUVERGNE RHONE ALPES (SIREN 605520071)
Indicator 2024 2023 2022 2021 2019 2018 2017
Revenue N/C 777 210 000 € 780 832 000 € 736 591 000 € N/C N/C N/C
Net income 0 € 190 215 000 € 174 391 000 € 150 662 000 € 0 € 125 527 000 € 0 €
EBITDA -448 588 000 € 777 210 000 € 780 832 000 € 736 591 000 € N/C N/C N/C
Net margin N/C 24.5% 22.3% 20.5% N/C N/C N/C

Revenue and income statement

In 2024, BANQUE POPULAIRE AUVERGNE RHONE ALPES records a net loss of 0 €. This deficit will reduce equity on the balance sheet. Change over 2018-2023: 125.5 M€ -> 0 €.

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

-448 588 000 €

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

234 768 000 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 1216%. 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 220.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high.

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

1216.189%

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

7.529%

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

220.776

Solvency indicators evolution
BANQUE POPULAIRE AUVERGNE RHONE ALPES

Sector positioning

Debt ratio
1216.19 2024
2022
2023
2024
Q1: 0.0
Med: 0.0
Q3: 38.07
Watch +67 pts over 3 years

In 2024, the debt ratio of BANQUE POPULAIRE AUVERGNE... (1216.19) 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
7.53% 2024
2022
2023
2024
Q1: 6.06%
Med: 9.53%
Q3: 57.67%
Average -5 pts over 3 years

In 2024, the financial autonomy of BANQUE POPULAIRE AUVERGNE... (7.5%) 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
220.78 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.76 years
Average +50 pts over 3 years

In 2024, the repayment capacity of BANQUE POPULAIRE AUVERGNE... (220.78) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement.

Liquidity ratio (2024) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

0.0

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

-257.973

Liquidity indicators evolution
BANQUE POPULAIRE AUVERGNE RHONE ALPES

Sector positioning

Liquidity ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 42.63
Q3: 395.8
Watch

In 2024, the liquidity ratio of BANQUE POPULAIRE AUVERGNE... (0.00) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
-257.97x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 0.73x
Watch

In 2024, the interest coverage of BANQUE POPULAIRE AUVERGNE... (-258.0x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

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

0 €

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 and payment terms evolution
BANQUE POPULAIRE AUVERGNE RHONE ALPES

Positioning of BANQUE POPULAIRE AUVERGNE RHONE ALPES in its sector

Comparison with sector Autres intermédiations monétaires

Similar companies (Autres intermédiations monétaires)

Compare BANQUE POPULAIRE AUVERGNE RHONE ALPES with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiations monétaires

Frequently asked questions about BANQUE POPULAIRE AUVERGNE RHONE ALPES

What is the revenue of BANQUE POPULAIRE AUVERGNE RHONE ALPES ?

The revenue of BANQUE POPULAIRE AUVERGNE RHONE ALPES in 2023 is 777.2 M€.

Is BANQUE POPULAIRE AUVERGNE RHONE ALPES profitable?

Yes, BANQUE POPULAIRE AUVERGNE RHONE ALPES generated a net profit of 190.2 M€ in 2023.

Where is the headquarters of BANQUE POPULAIRE AUVERGNE RHONE ALPES ?

The headquarters of BANQUE POPULAIRE AUVERGNE RHONE ALPES is located in LYON (69003), in the department Rhone.

Where to find the tax return of BANQUE POPULAIRE AUVERGNE RHONE ALPES ?

The tax return of BANQUE POPULAIRE AUVERGNE RHONE ALPES 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 AUVERGNE RHONE ALPES operate?

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