SIREN : 775577018
CREDIT MUTUEL ARKEA is a French company founded 126 years ago, specialized in the sector Autres intermédiations monétaires. Based in LE RELECQ-KERHUON (29480), this company of category GE shows in 2024 a revenue of 2.2 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
| Indicator | 2024 | 2023 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 2 168 000 000 € | 2 139 798 000 € | 2 530 375 000 € | N/C | N/C | N/C | N/C | N/C |
| Net income | 400 000 000 € | 418 681 000 € | 573 541 000 € | 356 267 000 € | 510 829 000 € | 0 € | 428 242 000 € | 0 € |
| EBITDA | 752 000 000 € | 2 139 798 000 € | 2 530 375 000 € | N/C | N/C | N/C | N/C | N/C |
| Net margin | 18.5% | 19.6% | 22.7% | N/C | N/C | N/C | N/C | N/C |
In 2024, CREDIT MUTUEL ARKEA achieves revenue of 2.2 Bn€. Revenue is declining over the period 2021-2024 (CAGR: -5.0%). Vs 2023: +1%. After deducting consumption (0 €), gross margin stands at 2.2 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 752.0 M€, representing 34.7% of revenue. Warning negative scissor effect: despite revenue change (+1%), EBITDA varies by -65%, reducing margin by 65.3 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 400.0 M€, i.e. 18.5% of revenue. This profit can be retained or distributed to shareholders.
2 168 000 000 €
2 168 000 000 €
752 000 000 €
502 000 000 €
400 000 000 €
34.7%
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 5%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 39.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
5.004%
39.899%
0.0
In 2024, the debt ratio of CREDIT MUTUEL ARKEA (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.
In 2024, the financial autonomy of CREDIT MUTUEL ARKEA (5.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of CREDIT MUTUEL ARKEA (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.
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 1.6x. Coverage is limited: any activity downturn would jeopardize interest payments.
0.0
1.596
In 2024, the liquidity ratio of CREDIT MUTUEL ARKEA (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 CREDIT MUTUEL ARKEA (1.6x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 1361 days of revenue, i.e. 8.2 Bn€ to permanently finance.
8 198 010 160 €
0 j
0 j
0 j
1361 j
Based on 82 transactions of similar company sales
in 2024,
the value of CREDIT MUTUEL ARKEA is estimated at
3 308 484 065 €
(range 719 770 593€ - 5 136 619 471€).
With an EBITDA of 752 000 000€, 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.
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 CREDIT MUTUEL ARKEA with other companies in the same sector:
Voir toutes les statistiques du secteur Autres intermédiations monétaires
The revenue of CREDIT MUTUEL ARKEA in 2024 is 2.2 Mds€.
Yes, CREDIT MUTUEL ARKEA generated a net profit of 400.0 M€ in 2024.
The headquarters of CREDIT MUTUEL ARKEA is located in LE RELECQ-KERHUON (29480), in the department Finistere.
The tax return of CREDIT MUTUEL ARKEA 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).
CREDIT MUTUEL ARKEA operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.