CAISSE D'EPARGNE ET DE PREVOYANCE DE NORMANDIE : revenue, balance sheet and financial ratios

CAISSE D'EPARGNE ET DE PREVOYANCE DE NORMANDIE is a French company founded 34 years ago, specialized in the sector Autres intermédiations monétaires. Based in BOIS-GUILLAUME (76230), this company of category GE shows in 2024 a revenue of 332.2 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 DE NORMANDIE (SIREN 384353413)
Indicator 2024 2023 2022 2021 2019 2018 2017 2016
Revenue 332 249 000 € 314 405 000 € N/C 366 455 000 € N/C N/C N/C N/C
Net income 69 257 000 € 63 149 000 € 0 € 100 751 000 € 88 973 000 € 93 597 000 € 106 219 000 € 0 €
EBITDA 121 116 000 € 314 405 000 € N/C 163 566 000 € N/C N/C N/C N/C
Net margin 20.8% 20.1% N/C 27.5% N/C N/C N/C N/C

Revenue and income statement

In 2024, CAISSE D'EPARGNE ET DE PREVOYANCE DE NORMANDIE achieves revenue of 332.2 M€. Activity remains stable over the period (CAGR: -3.2%). Vs 2023: +6%. After deducting consumption (0 €), gross margin stands at 332.2 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 121.1 M€, representing 36.5% of revenue. Warning negative scissor effect: despite revenue change (+6%), EBITDA varies by -61%, reducing margin by 63.5 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 69.3 M€, i.e. 20.8% 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

332 249 000 €

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

332 249 000 €

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

121 116 000 €

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

83 004 000 €

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

69 257 000 €

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

36.5%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

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 8%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 41.2% 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

8.298%

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

41.245%

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 DE NORMANDIE

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 0.0
Q3: 38.07
Excellent -50 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
8.3% 2024
2022
2023
2024
Q1: 6.06%
Med: 9.53%
Q3: 57.67%
Average -8 pts over 3 years

In 2024, the financial autonomy of CAISSE D'EPARGNE ET DE PR... (8.3%) 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
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.76 years
Excellent +21 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 2336 days of revenue, i.e. 2.2 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

2 155 741 154 €

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

2336 j

WCR and payment terms evolution
CAISSE D'EPARGNE ET DE PREVOYANCE DE NORMANDIE

Positioning of CAISSE D'EPARGNE ET DE PREVOYANCE DE NORMANDIE 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 DE NORMANDIE is estimated at 533 661 301 € (range 115 067 280€ - 835 987 691€). With an EBITDA of 121 116 000€, 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
115067k€ 533661k€ 835987k€
533 661 301 € Range: 115 067 280€ - 835 987 691€
Section année 2024 Aggregated at NAF section level

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
121 116 000 € × 6.9x
Estimation 841 302 339 €
128 399 965€ - 1 136 172 608€
Revenue Multiple 30%
332 249 000 € × 0.59x
Estimation 195 618 803 €
121 699 651€ - 276 251 619€
Net Income Multiple 20%
69 257 000 € × 3.9x
Estimation 271 622 454 €
71 787 014€ - 925 129 507€

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 DE NORMANDIE 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 DE NORMANDIE

What is the revenue of CAISSE D'EPARGNE ET DE PREVOYANCE DE NORMANDIE ?

The revenue of CAISSE D'EPARGNE ET DE PREVOYANCE DE NORMANDIE in 2024 is 332.2 M€.

Is CAISSE D'EPARGNE ET DE PREVOYANCE DE NORMANDIE profitable?

Yes, CAISSE D'EPARGNE ET DE PREVOYANCE DE NORMANDIE generated a net profit of 69.3 M€ in 2024.

Where is the headquarters of CAISSE D'EPARGNE ET DE PREVOYANCE DE NORMANDIE ?

The headquarters of CAISSE D'EPARGNE ET DE PREVOYANCE DE NORMANDIE is located in BOIS-GUILLAUME (76230), in the department Seine-Maritime.

Where to find the tax return of CAISSE D'EPARGNE ET DE PREVOYANCE DE NORMANDIE ?

The tax return of CAISSE D'EPARGNE ET DE PREVOYANCE DE NORMANDIE 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 DE NORMANDIE operate?

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