CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES : revenue, balance sheet and financial ratios

CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES is a French company founded 117 years ago, specialized in the sector Autres intermédiations monétaires. Based in BORDEAUX (33000), this company of category GE shows in 2024 a revenue of 450.8 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 - CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES (SIREN 353821028)
Indicator 2024 2022 2021 2020 2019 2018 2017 2016
Revenue 450 820 000 € 426 875 000 € N/C N/C N/C N/C N/C N/C
Net income 61 310 000 € 45 533 000 € 87 498 000 € 0 € 97 369 000 € 94 351 000 € 94 353 000 € 0 €
EBITDA 156 768 000 € 111 063 000 € -308 033 000 € N/C N/C N/C N/C N/C
Net margin 13.6% 10.7% N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2024, CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES achieves revenue of 450.8 M€. Revenue is growing positively over 8 years (CAGR: +2.8%). Vs 2022: +6%. After deducting consumption (0 €), gross margin stands at 450.8 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 156.8 M€, representing 34.8% of revenue. Positive scissor effect: EBITDA margin improves by +8.8 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 61.3 M€, i.e. 13.6% 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

450 820 000 €

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

450 820 000 €

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

156 768 000 €

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

69 564 000 €

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

61 310 000 €

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

34.8%

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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 7%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 36.7% 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

7.199%

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

36.655%

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
CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES

Sector positioning

Debt ratio
0.0 2024
2021
2022
2024
Q1: 0.0
Med: 0.0
Q3: 38.07
Excellent -55 pts over 3 years

In 2024, the debt ratio of CAISSE D EPARGNE ET DE PR... (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
7.2% 2024
2021
2022
2024
Q1: 6.06%
Med: 9.53%
Q3: 57.67%
Average -10 pts over 3 years

In 2024, the financial autonomy of CAISSE D EPARGNE ET DE PR... (7.2%) 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
2021
2022
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.76 years
Excellent -51 pts over 3 years

In 2024, the repayment capacity of CAISSE D EPARGNE ET DE PR... (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 2182 days of revenue, i.e. 2.7 Bn€ to permanently finance.

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

2 731 964 692 €

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

2182 j

WCR and payment terms evolution
CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES

Positioning of CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES in its sector

Comparison with sector Autres intermédiations monétaires

Valuation estimate

Based on 82 transactions of similar company sales in 2024, the value of CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES is estimated at 672 195 029 € (range 145 347 310€ - 1 011 555 975€). With an EBITDA of 156 768 000€, 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
145347k€ 672195k€ 1011555k€
672 195 029 € Range: 145 347 310€ - 1 011 555 975€
Section année 2024 Aggregated at NAF section level

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
156 768 000 € × 6.9x
Estimation 1 088 950 139 €
166 196 091€ - 1 470 619 137€
Revenue Multiple 30%
450 820 000 € × 0.59x
Estimation 265 430 050 €
165 131 081€ - 374 838 615€
Net Income Multiple 20%
61 310 000 € × 3.9x
Estimation 240 454 722 €
63 549 703€ - 818 974 112€

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 CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiations monétaires

Frequently asked questions about CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES

What is the revenue of CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES ?

The revenue of CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES in 2024 is 450.8 M€.

Is CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES profitable?

Yes, CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES generated a net profit of 61.3 M€ in 2024.

Where is the headquarters of CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES ?

The headquarters of CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES is located in BORDEAUX (33000), in the department Gironde.

Where to find the tax return of CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES ?

The tax return of CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES 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 CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES operate?

CAISSE D EPARGNE ET DE PREVOYANCE AQUITAINE POITOU CHARENTES operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.