SIREN : 775559404
CAISSE D'EPARGNE CEPAC is a French company founded 41 years ago, specialized in the sector Autres intermédiations monétaires. Based in MARSEILLE 6EME (13006), this company of category GE shows in 2024 a revenue of 716.0 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 | 2022 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|
| Revenue | 716 029 000 € | 805 578 000 € | 724 982 000 € | N/C | N/C | N/C |
| Net income | 181 322 000 € | 208 794 000 € | 106 579 000 € | 159 841 000 € | 153 989 000 € | 165 200 000 € |
| EBITDA | 303 980 000 € | 805 578 000 € | 724 982 000 € | N/C | N/C | N/C |
| Net margin | 25.3% | 25.9% | 14.7% | N/C | N/C | N/C |
In 2024, CAISSE D'EPARGNE CEPAC achieves revenue of 716.0 M€. Activity remains stable over the period (CAGR: -0.3%). Significant drop of -11% vs 2022. After deducting consumption (0 €), gross margin stands at 716.0 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 304.0 M€, representing 42.5% of revenue. Warning negative scissor effect: despite revenue change (-11%), EBITDA varies by -62%, reducing margin by 57.5 pts. This reflects costs rising faster than 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 181.3 M€, i.e. 25.3% of revenue. This profit can be retained or distributed to shareholders.
716 029 000 €
716 029 000 €
303 980 000 €
226 367 000 €
181 322 000 €
42.5%
The debt ratio (= Financial debt / Equity x 100) stands at 262%. 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 10%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 48.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
262.5%
9.699%
48.684%
0.036
In 2024, the debt ratio of CAISSE D'EPARGNE CEPAC (262.50) 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 CAISSE D'EPARGNE CEPAC (9.7%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of CAISSE D'EPARGNE CEPAC (0.04) 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 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.
0.0
0.072
In 2024, the liquidity ratio of CAISSE D'EPARGNE CEPAC (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 CAISSE D'EPARGNE CEPAC (0.1x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. WCR is negative (-16 days): operations structurally generate cash.
-32 328 709 €
0 j
0 j
0 j
-16 j
Based on 82 transactions of similar company sales
in 2024,
the value of CAISSE D'EPARGNE CEPAC is estimated at
1 324 461 368 €
(range 277 402 292€ - 2 088 819 103€).
With an EBITDA of 303 980 000€, 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 CAISSE D'EPARGNE CEPAC with other companies in the same sector:
Voir toutes les statistiques du secteur Autres intermédiations monétaires
The revenue of CAISSE D'EPARGNE CEPAC in 2024 is 716.0 M€.
Yes, CAISSE D'EPARGNE CEPAC generated a net profit of 181.3 M€ in 2024.
The headquarters of CAISSE D'EPARGNE CEPAC is located in MARSEILLE 6EME (13006), in the department Bouches-du-Rhone.
The tax return of CAISSE D'EPARGNE CEPAC 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).
CAISSE D'EPARGNE CEPAC operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.