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BNP PARIBAS CARDIF : revenue, balance sheet and financial ratios

BNP PARIBAS CARDIF is a French company founded 34 years ago, specialized in the sector Fonds de placement et entités financières similaires. Based in PARIS (75009), this company of category GE shows in 2022 a net income positive of 362.7 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

Financial history - BNP PARIBAS CARDIF (SIREN 382983922)
Indicator 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C N/C N/C N/C N/C N/C
Net income 362 689 350 € 875 635 795 € 284 926 904 € 1 596 688 460 € 319 347 239 € 718 298 753 € 961 118 246 €
EBITDA -207 706 883 € -220 889 101 € -216 331 425 € -238 722 673 € -240 736 799 € -188 015 927 € -159 584 349 €
Net margin N/C N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2022, BNP PARIBAS CARDIF generates positive net income of 362.7 M€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2022: 961.1 M€ -> 362.7 M€.

EBITDA (2022) ?
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

-207 706 883 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-195 989 086 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

362 689 350 €

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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 317%. 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 21%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 29.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

317.037%

Financial autonomy (2022) ?
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

21.466%

Repayment capacity (2022) ?
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

29.058

Solvency indicators evolution
BNP PARIBAS CARDIF

Sector positioning

Debt ratio
317.04 2022
2020
2021
2022
Q1: 0.04
Med: 14.14
Q3: 118.39
Average

In 2022, the debt ratio of BNP PARIBAS CARDIF (317.04) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
21.47% 2022
2020
2021
2022
Q1: 18.05%
Med: 62.02%
Q3: 91.75%
Average

In 2022, the financial autonomy of BNP PARIBAS CARDIF (21.5%) 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
29.06 years 2022
2020
2021
2022
Q1: -0.0 years
Med: 0.04 years
Q3: 3.93 years
Average

In 2022, the repayment capacity of BNP PARIBAS CARDIF (29.06) 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 532.67. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

532.67

Interest coverage (2022) ?
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

-129.323

Liquidity indicators evolution
BNP PARIBAS CARDIF

Sector positioning

Liquidity ratio
532.67 2022
2020
2021
2022
Q1: 118.61
Med: 637.87
Q3: 4243.78
Average +14 pts over 3 years

In 2022, the liquidity ratio of BNP PARIBAS CARDIF (532.67) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
-129.32x 2022
2020
2021
2022
Q1: -75.2x
Med: -1.06x
Q3: 0.0x
Average

In 2022, the interest coverage of BNP PARIBAS CARDIF (-129.3x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 43 days. Excellent situation: suppliers finance 43 days of the operating cycle (retail model).

Operating WCR (2022) ?
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 (2022) ?
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 (2022) ?
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

43 j

Inventory turnover (2022) ?
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
BNP PARIBAS CARDIF

Positioning of BNP PARIBAS CARDIF in its sector

Comparison with sector Fonds de placement et entités financières similaires

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (23 transactions). This range of 2 728 889 423€ to 8 439 477 671€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2022
Indicative
2728889k€ 5170920k€ 8439477k€
5 170 920 698 € Range: 2 728 889 423€ - 8 439 477 671€
NAF 5 année 2022

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 23 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 (Fonds de placement et entités financières similaires)

Compare BNP PARIBAS CARDIF with other companies in the same sector:

Voir toutes les statistiques du secteur Fonds de placement et entités financières similaires

Frequently asked questions about BNP PARIBAS CARDIF

What is the revenue of BNP PARIBAS CARDIF ?

The revenue of BNP PARIBAS CARDIF is not publicly disclosed (confidential accounts filed with INPI).

Is BNP PARIBAS CARDIF profitable?

Yes, BNP PARIBAS CARDIF generated a net profit of 362.7 M€ in 2022.

Where is the headquarters of BNP PARIBAS CARDIF ?

The headquarters of BNP PARIBAS CARDIF is located in PARIS (75009), in the department Paris.

Where to find the tax return of BNP PARIBAS CARDIF ?

The tax return of BNP PARIBAS CARDIF 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 BNP PARIBAS CARDIF operate?

BNP PARIBAS CARDIF operates in the sector Fonds de placement et entités financières similaires (NAF code 64.30Z). See the 'Sector positioning' section above to compare the company with its competitors.