CREDIT INDUSTRIEL ET COMMERCIAL : revenue, balance sheet and financial ratios

CREDIT INDUSTRIEL ET COMMERCIAL is a French company founded 72 years ago, specialized in the sector Autres intermédiations monétaires. Based in PARIS (75009), this company of category GE shows in 2024 a revenue of 2.5 Mds€. 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 - CREDIT INDUSTRIEL ET COMMERCIAL (SIREN 542016381)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 2 468 000 000 € 6 458 000 000 € 6 327 000 000 € 6 000 000 000 € N/C N/C N/C N/C
Net income 1 266 000 000 € 0 € 2 291 000 000 € 2 116 000 000 € 662 000 000 € 1 468 000 000 € 1 395 000 000 € 1 288 000 000 €
EBITDA 1 516 000 000 € 6 458 000 000 € 2 973 000 000 € 2 855 000 000 € -1 809 000 000 € N/C N/C N/C
Net margin 51.3% 0.0% 36.2% 35.3% N/C N/C N/C N/C

Revenue and income statement

In 2024, CREDIT INDUSTRIEL ET COMMERCIAL achieves revenue of 2.5 Bn€. Revenue is declining over the period 2021-2024 (CAGR: -25.6%). Significant drop of -62% vs 2023. After deducting consumption (0 €), gross margin stands at 2.5 Bn€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.5 Bn€, representing 61.4% of revenue. Warning negative scissor effect: despite revenue change (-62%), EBITDA varies by -77%, reducing margin by 38.6 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 1.3 Bn€, i.e. 51.3% 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

2 468 000 000 €

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

2 468 000 000 €

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

1 516 000 000 €

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

1 355 000 000 €

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

1 266 000 000 €

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

61.4%

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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 64.1% 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

6.643%

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

64.06%

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
CREDIT INDUSTRIEL ET COMMERCIAL

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 0.0
Q3: 38.07
Excellent -52 pts over 3 years

In 2024, the debt ratio of CREDIT INDUSTRIEL ET COMM... (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
6.64% 2024
2022
2023
2024
Q1: 6.06%
Med: 9.53%
Q3: 57.67%
Average

In 2024, the financial autonomy of CREDIT INDUSTRIEL ET COMM... (6.6%) 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
0.0 years 2024
2022
2023
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 CREDIT INDUSTRIEL ET COMM... (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.

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 0.7x. Danger: operating income does not cover interest charges, unsustainable situation.

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

0.726

Liquidity indicators evolution
CREDIT INDUSTRIEL ET COMMERCIAL

Sector positioning

Liquidity ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 42.63
Q3: 395.8
Watch

In 2024, the liquidity ratio of CREDIT INDUSTRIEL ET COMM... (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
0.73x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 0.73x
Good +50 pts over 3 years

In 2024, the interest coverage of CREDIT INDUSTRIEL ET COMM... (0.7x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 1741 days of revenue, i.e. 11.9 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

11 933 002 120 €

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

1741 j

WCR and payment terms evolution
CREDIT INDUSTRIEL ET COMMERCIAL

Positioning of CREDIT INDUSTRIEL ET COMMERCIAL in its sector

Comparison with sector Autres intermédiations monétaires

Valuation estimate

Based on 82 transactions of similar company sales in 2024, the value of CREDIT INDUSTRIEL ET COMMERCIAL is estimated at 6 694 223 687 € (range 1 337 237 506€ - 11 108 532 363€). With an EBITDA of 1 516 000 000€, 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
1337237k€ 6694223k€ 11108532k€
6 694 223 687 € Range: 1 337 237 506€ - 11 108 532 363€
Section année 2024 Aggregated at NAF section level

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 516 000 000 € × 6.9x
Estimation 10 530 519 055 €
1 607 172 851€ - 14 221 388 368€
Revenue Multiple 30%
2 468 000 000 € × 0.59x
Estimation 1 453 088 512 €
904 004 942€ - 2 052 042 284€
Net Income Multiple 20%
1 266 000 000 € × 3.9x
Estimation 4 965 188 029 €
1 312 247 993€ - 16 911 127 474€

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 CREDIT INDUSTRIEL ET COMMERCIAL with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiations monétaires

Frequently asked questions about CREDIT INDUSTRIEL ET COMMERCIAL

What is the revenue of CREDIT INDUSTRIEL ET COMMERCIAL ?

The revenue of CREDIT INDUSTRIEL ET COMMERCIAL in 2024 is 2.5 Mds€.

Is CREDIT INDUSTRIEL ET COMMERCIAL profitable?

Yes, CREDIT INDUSTRIEL ET COMMERCIAL generated a net profit of 1.3 Mds€ in 2024.

Where is the headquarters of CREDIT INDUSTRIEL ET COMMERCIAL ?

The headquarters of CREDIT INDUSTRIEL ET COMMERCIAL is located in PARIS (75009), in the department Paris.

Where to find the tax return of CREDIT INDUSTRIEL ET COMMERCIAL ?

The tax return of CREDIT INDUSTRIEL ET COMMERCIAL 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 CREDIT INDUSTRIEL ET COMMERCIAL operate?

CREDIT INDUSTRIEL ET COMMERCIAL operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.