SIREN : 560801300
BANQUE POPULAIRE OCCITANE is a French company founded 70 years ago, specialized in the sector Autres intermédiations monétaires. Based in BALMA (31130), this company of category GE shows in 2024 a revenue of 354.6 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
| Indicator | 2024 |
|---|---|
| Revenue | 354 600 000 € |
| Net income | 71 577 000 € |
| EBITDA | 105 839 000 € |
| Net margin | 20.2% |
In 2024, BANQUE POPULAIRE OCCITANE achieves revenue of 354.6 M€. After deducting consumption (0 €), gross margin stands at 354.6 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 105.8 M€, representing 29.8% of 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 71.6 M€, i.e. 20.2% of revenue. This profit can be retained or distributed to shareholders.
354 600 000 €
354 600 000 €
105 839 000 €
105 839 000 €
71 577 000 €
29.8%
The debt ratio (= Financial debt / Equity x 100) stands at 1183%. 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 301.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 20.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
1182.986%
7.509%
20.185%
301.236
In 2024, the debt ratio of BANQUE POPULAIRE OCCITANE (1182.99) 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.
In 2024, the financial autonomy of BANQUE POPULAIRE OCCITANE (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.
In 2024, the repayment capacity of BANQUE POPULAIRE OCCITANE (301.24) 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.
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. The interest coverage ratio (= EBIT / Interest expenses) is 33.3x. Operating income very largely covers interest expenses: high safety margin.
0.0
33.315
In 2024, the liquidity ratio of BANQUE POPULAIRE OCCITANE (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.
In 2024, the interest coverage of BANQUE POPULAIRE OCCITANE (33.3x) 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.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. WCR is negative (-902 days): operations structurally generate cash.
-888 936 102 €
0 j
0 j
0 j
-902 j
Based on 82 transactions of similar company sales
in 2024,
the value of BANQUE POPULAIRE OCCITANE is estimated at
486 370 025 €
(range 109 906 435€ - 776 105 229€).
With an EBITDA of 105 839 000€, 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.
Ajustez les pondérations selon votre analyse
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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare BANQUE POPULAIRE OCCITANE with other companies in the same sector:
Voir toutes les statistiques du secteur Autres intermédiations monétaires
The revenue of BANQUE POPULAIRE OCCITANE in 2024 is 354.6 M€.
Yes, BANQUE POPULAIRE OCCITANE generated a net profit of 71.6 M€ in 2024.
The headquarters of BANQUE POPULAIRE OCCITANE is located in BALMA (31130), in the department Haute-Garonne.
The tax return of BANQUE POPULAIRE OCCITANE 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).
BANQUE POPULAIRE OCCITANE operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.