BANQUE POPULAIRE GRAND OUEST : revenue, balance sheet and financial ratios

BANQUE POPULAIRE GRAND OUEST is a French company founded 69 years ago, specialized in the sector Autres intermédiations monétaires. Based in SAINT-GREGOIRE (35760), this company of category GE shows in 2024 a revenue of 521.8 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 GRAND OUEST (SIREN 857500227)
Indicator 2024 2023 2022 2021 2020
Revenue 521 838 000 € 496 683 000 € 609 752 000 € 621 125 000 € 577 786 000 €
Net income 73 142 000 € 87 994 000 € 134 116 000 € 0 € 94 310 000 €
EBITDA 150 185 000 € 127 957 000 € 238 213 000 € 621 125 000 € 577 786 000 €
Net margin 14.0% 17.7% 22.0% 0.0% 16.3%

Revenue and income statement

In 2024, BANQUE POPULAIRE GRAND OUEST achieves revenue of 521.8 M€. Activity remains stable over the period (CAGR: -2.5%). Vs 2023: +5%. After deducting consumption (0 €), gross margin stands at 521.8 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 150.2 M€, representing 28.8% of revenue. Positive scissor effect: EBITDA margin improves by +3.0 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 73.1 M€, i.e. 14.0% 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

521 838 000 €

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

521 838 000 €

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

150 185 000 €

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

78 907 000 €

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

73 142 000 €

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

28.8%

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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 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 9%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 30.3% 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

0.0%

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

8.559%

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

30.292%

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

0.0

Solvency indicators evolution
BANQUE POPULAIRE GRAND OUEST

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 0.0
Q3: 38.07
Excellent -50 pts over 3 years

In 2024, the debt ratio of BANQUE POPULAIRE GRAND OUEST (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
8.56% 2024
2022
2023
2024
Q1: 6.06%
Med: 9.53%
Q3: 57.67%
Average -7 pts over 3 years

In 2024, the financial autonomy of BANQUE POPULAIRE GRAND OUEST (8.6%) 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
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.76 years
Excellent -52 pts over 3 years

In 2024, the repayment capacity of BANQUE POPULAIRE GRAND OUEST (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.

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 2264 days of revenue, i.e. 3.3 Bn€ to permanently finance. Over 2020-2024, WCR increased by +20%, requiring additional financing.

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

3 282 319 273 €

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

2264 j

WCR and payment terms evolution
BANQUE POPULAIRE GRAND OUEST

Positioning of BANQUE POPULAIRE GRAND OUEST 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 GRAND OUEST is estimated at 671 156 355 € (range 152 114 670€ - 1 030 003 627€). With an EBITDA of 150 185 000€, 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
152114k€ 671156k€ 1030003k€
671 156 355 € Range: 152 114 670€ - 1 030 003 627€
Section année 2024 Aggregated at NAF section level

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
150 185 000 € × 6.9x
Estimation 1 043 222 958 €
159 217 186€ - 1 408 864 916€
Revenue Multiple 30%
521 838 000 € × 0.59x
Estimation 307 243 437 €
191 144 299€ - 433 887 213€
Net Income Multiple 20%
73 142 000 € × 3.9x
Estimation 286 859 228 €
75 813 936€ - 977 025 028€

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 GRAND OUEST with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiations monétaires

Frequently asked questions about BANQUE POPULAIRE GRAND OUEST

What is the revenue of BANQUE POPULAIRE GRAND OUEST ?

The revenue of BANQUE POPULAIRE GRAND OUEST in 2024 is 521.8 M€.

Is BANQUE POPULAIRE GRAND OUEST profitable?

Yes, BANQUE POPULAIRE GRAND OUEST generated a net profit of 73.1 M€ in 2024.

Where is the headquarters of BANQUE POPULAIRE GRAND OUEST ?

The headquarters of BANQUE POPULAIRE GRAND OUEST is located in SAINT-GREGOIRE (35760), in the department Ille-et-Vilaine.

Where to find the tax return of BANQUE POPULAIRE GRAND OUEST ?

The tax return of BANQUE POPULAIRE GRAND OUEST 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 GRAND OUEST operate?

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