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CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE : revenue, balance sheet and financial ratios

CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE is a French company founded 35 years ago, specialized in the sector Autres intermédiations monétaires. Based in PARIS (75001), this company of category GE shows in 2024 a revenue of 927.3 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 ILE-DE-FRANCE (SIREN 382900942)
Indicator 2024 2023
Revenue 927 331 000 € N/C
Net income 157 510 000 € -695 671 000 €
EBITDA 927 331 000 € -339 503 000 €
Net margin 17.0% N/C

Revenue and income statement

In 2024, CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE achieves revenue of 927.3 M€. After deducting consumption (0 €), gross margin stands at 927.3 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 927.3 M€, representing 100.0% of 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 157.5 M€, i.e. 17.0% 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

927 331 000 €

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

927 331 000 €

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

927 331 000 €

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

210 569 000 €

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

157 510 000 €

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

100.0%

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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 484%. 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 6%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 283.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 9.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

483.694%

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

5.625%

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

9.764%

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

283.448

Solvency indicators evolution
CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE

Sector positioning

Debt ratio
483.69 2024
2024
Q1: 0.0
Med: 0.0
Q3: 38.07
Watch

In 2024, the debt ratio of CAISSE D'EPARGNE ET DE PR... (483.69) 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.

Financial autonomy
5.62% 2024
2023
2024
Q1: 6.06%
Med: 9.53%
Q3: 57.67%
Average

In 2024, the financial autonomy of CAISSE D'EPARGNE ET DE PR... (5.6%) 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
283.45 years 2024
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.76 years
Average

In 2024, the repayment capacity of CAISSE D'EPARGNE ET DE PR... (283.45) 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 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 11.4x. Operating income very largely covers interest expenses: high safety margin.

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

0.0

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

11.358

Liquidity indicators evolution
CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE

Sector positioning

Liquidity ratio
0.0 2024
2024
Q1: 0.0
Med: 42.63
Q3: 395.8
Watch

In 2024, the liquidity ratio of CAISSE D'EPARGNE ET DE PR... (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.

Interest coverage
11.36x 2024
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 0.73x
Excellent +50 pts over 2 years

In 2024, the interest coverage of CAISSE D'EPARGNE ET DE PR... (11.4x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. WCR is negative (-24597 days): operations structurally generate 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

-63 359 343 450 €

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

-24597 j

WCR and payment terms evolution
CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE

Positioning of CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE 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 ILE-DE-FRANCE is estimated at 3 508 082 841 € (range 626 105 082€ - 5 001 695 243€). With an EBITDA of 927 331 000€, 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
626105k€ 3508082k€ 5001695k€
3 508 082 841 € Range: 626 105 082€ - 5 001 695 243€
Section année 2024 Aggregated at NAF section level

Valuation detail by method

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EBITDA Multiple 50%
927 331 000 € × 6.9x
Estimation 6 441 475 439 €
983 101 060€ - 8 699 165 103€
Revenue Multiple 30%
927 331 000 € × 0.59x
Estimation 545 986 233 €
339 672 531€ - 771 038 259€
Net Income Multiple 20%
157 510 000 € × 3.9x
Estimation 617 746 261 €
163 263 966€ - 2 104 006 073€
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 ILE-DE-FRANCE 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 ILE-DE-FRANCE

What is the revenue of CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE ?

The revenue of CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE in 2024 is 927.3 M€.

Is CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE profitable?

Yes, CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE generated a net profit of 157.5 M€ in 2024.

Where is the headquarters of CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE ?

The headquarters of CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE is located in PARIS (75001), in the department Paris.

Where to find the tax return of CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE ?

The tax return of CAISSE D'EPARGNE ET DE PREVOYANCE ILE-DE-FRANCE 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 ILE-DE-FRANCE operate?

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