BPCE PERSONAL CAR LEASE : revenue, balance sheet and financial ratios

BPCE PERSONAL CAR LEASE is a French company founded 24 years ago, specialized in the sector Location de longue durée de voitures et de véhicules automobiles légers. Based in PARIS 13 (75013), this company of category GE shows in 2024 a revenue of 927 k€. 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 - BPCE PERSONAL CAR LEASE (SIREN 440330876)
Indicator 2024 2023 2022 2019 2018
Revenue 926 589 € 824 612 € 673 834 € 14 793 € -945 €
Net income -124 282 € -149 242 € -184 502 € -192 633 € -77 517 €
EBITDA 701 999 € 630 133 € 466 530 € -165 648 € -84 832 €
Net margin -13.4% -18.1% -27.4% -1302.2% 8202.9%

Revenue and income statement

In 2024, BPCE PERSONAL CAR LEASE achieves revenue of 927 k€. Vs 2023, growth of +12% (825 k€ -> 927 k€). After deducting consumption (0 €), gross margin stands at 927 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 702 k€, representing 75.8% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -124 k€ (-13.4% of revenue), which will impact equity.

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

926 589 €

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

926 589 €

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

701 999 €

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

224 568 €

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

-124 282 €

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

75.8%

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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 88%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 75.8% 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

87.9%

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

75.763%

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

Asset age ratio (2024) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

74.8%

Solvency indicators evolution
BPCE PERSONAL CAR LEASE

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 52.09
Q3: 260.67
Excellent

In 2024, the debt ratio of BPCE PERSONAL CAR LEASE (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
87.9% 2024
2022
2023
2024
Q1: 4.51%
Med: 24.09%
Q3: 51.07%
Excellent +12 pts over 3 years

In 2024, the financial autonomy of BPCE PERSONAL CAR LEASE (87.9%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 1.27 years
Q3: 3.63 years
Excellent

In 2024, the repayment capacity of BPCE PERSONAL CAR LEASE (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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 513.86. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

513.862

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

0.0

Liquidity indicators evolution
BPCE PERSONAL CAR LEASE

Sector positioning

Liquidity ratio
513.86 2024
2022
2023
2024
Q1: 79.61
Med: 167.54
Q3: 370.44
Excellent

In 2024, the liquidity ratio of BPCE PERSONAL CAR LEASE (513.86) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 1.37x
Q3: 11.14x
Average

In 2024, the interest coverage of BPCE PERSONAL CAR LEASE (0.0x) 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: 15 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 885 days. Excellent situation: suppliers finance 870 days of the operating cycle (retail model). WCR is negative (-288 days): operations structurally generate cash. Notable WCR improvement over the period (-2333%), freeing up cash.

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

-740 864 €

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

15 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

885 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

-288 j

WCR and payment terms evolution
BPCE PERSONAL CAR LEASE

Positioning of BPCE PERSONAL CAR LEASE in its sector

Comparison with sector Location de longue durée de voitures et de véhicules automobiles légers

Valuation estimate

Based on 276 transactions of similar company sales (all years), the value of BPCE PERSONAL CAR LEASE is estimated at 6 053 236 € (range 1 255 365€ - 8 187 452€). With an EBITDA of 701 999€, the sector multiple of 11.9x is applied. The price/revenue ratio is 2.33x (premium valuation). 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.

Estimated enterprise value 2024
276 transactions
1255k€ 6053k€ 8187k€
6 053 236 € Range: 1 255 365€ - 8 187 452€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
701 999 € × 11.9x
Estimation 8 387 788 €
1 705 678€ - 11 412 889€
Revenue Multiple 30%
926 589 € × 2.33x
Estimation 2 162 318 €
504 844€ - 2 811 725€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 276 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 (Location de longue durée de voitures et de véhicules automobiles légers)

Compare BPCE PERSONAL CAR LEASE with other companies in the same sector:

Voir toutes les statistiques du secteur Location de longue durée de voitures et de véhicules automobiles légers

Frequently asked questions about BPCE PERSONAL CAR LEASE

What is the revenue of BPCE PERSONAL CAR LEASE ?

The revenue of BPCE PERSONAL CAR LEASE in 2024 is 927 k€.

Is BPCE PERSONAL CAR LEASE profitable?

BPCE PERSONAL CAR LEASE recorded a net loss in 2024.

Where is the headquarters of BPCE PERSONAL CAR LEASE ?

The headquarters of BPCE PERSONAL CAR LEASE is located in PARIS 13 (75013), in the department Paris.

Where to find the tax return of BPCE PERSONAL CAR LEASE ?

The tax return of BPCE PERSONAL CAR LEASE 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 BPCE PERSONAL CAR LEASE operate?

BPCE PERSONAL CAR LEASE operates in the sector Location de longue durée de voitures et de véhicules automobiles légers (NAF code 77.11B). See the 'Sector positioning' section above to compare the company with its competitors.