CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN : revenue, balance sheet and financial ratios

CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN is a French company founded 54 years ago, specialized in the sector Autres intermédiations monétaires. Based in METZ (57000), this company of category GE shows in 2024 a revenue of 271.3 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 REG CREDIT AGRICOL MUTUEL LORRAIN (SIREN 775616162)
Indicator 2024 2023 2022 2021 2020 2019 2018
Revenue 271 318 000 € 253 433 000 € 262 769 000 € 230 675 000 € N/C N/C N/C
Net income 65 648 000 € 71 375 000 € 79 511 000 € 57 343 000 € 59 661 000 € 67 718 000 € 57 338 000 €
EBITDA 98 429 000 € 93 333 000 € 262 769 000 € 230 675 000 € N/C N/C N/C
Net margin 24.2% 28.2% 30.3% 24.9% N/C N/C N/C

Revenue and income statement

In 2024, CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN achieves revenue of 271.3 M€. Over the period 2021-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +5.6%. Vs 2023: +7%. After deducting consumption (0 €), gross margin stands at 271.3 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 98.4 M€, representing 36.3% 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 65.6 M€, i.e. 24.2% 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

271 318 000 €

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

271 318 000 €

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

98 429 000 €

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

68 544 000 €

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

65 648 000 €

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

36.3%

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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 15%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 35.2% 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

15.196%

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

35.211%

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 REG CREDIT AGRICOL MUTUEL LORRAIN

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 0.0
Q3: 38.07
Excellent -45 pts over 3 years

In 2024, the debt ratio of CAISSE REG CREDIT AGRICOL... (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
15.2% 2024
2022
2023
2024
Q1: 6.06%
Med: 9.53%
Q3: 57.67%
Good

In 2024, the financial autonomy of CAISSE REG CREDIT AGRICOL... (15.2%) 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.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.76 years
Excellent -52 pts over 3 years

In 2024, the repayment capacity of CAISSE REG CREDIT AGRICOL... (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. WCR is negative (0 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

0 €

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 and payment terms evolution
CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN

Positioning of CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN 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 REG CREDIT AGRICOL MUTUEL LORRAIN is estimated at 441 273 286 € (range 95 597 876€ - 704 735 624€). With an EBITDA of 98 429 000€, 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
95597k€ 441273k€ 704735k€
441 273 286 € Range: 95 597 876€ - 704 735 624€
Section année 2024 Aggregated at NAF section level

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
98 429 000 € × 6.9x
Estimation 683 712 705 €
104 348 560€ - 923 348 968€
Revenue Multiple 30%
271 318 000 € × 0.59x
Estimation 159 744 355 €
99 381 205€ - 225 589 955€
Net Income Multiple 20%
65 648 000 € × 3.9x
Estimation 257 468 139 €
68 046 174€ - 876 920 771€

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 REG CREDIT AGRICOL MUTUEL LORRAIN with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiations monétaires

Frequently asked questions about CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN

What is the revenue of CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN ?

The revenue of CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN in 2024 is 271.3 M€.

Is CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN profitable?

Yes, CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN generated a net profit of 65.6 M€ in 2024.

Where is the headquarters of CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN ?

The headquarters of CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN is located in METZ (57000), in the department Moselle.

Where to find the tax return of CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN ?

The tax return of CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN 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 REG CREDIT AGRICOL MUTUEL LORRAIN operate?

CAISSE REG CREDIT AGRICOL MUTUEL LORRAIN operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.