Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.
Le dernier exercice comptable publié pour cette entreprise remonte à 2022. Les données ci-dessous peuvent ne plus refléter sa situation actuelle.

EULER HERMES : revenue, balance sheet and financial ratios

EULER HERMES is a French company founded 12 years ago, specialized in the sector Autres assurances. this company of category GE shows in 2022 a revenue of 2.4 Mds€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-08-01

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Synthèse

Santé financière : Sous tension

Point(s) de vigilance : liquidité à court terme tendue.

In summary, EULER HERMES posts positive profitability over the latest financial year. Its financial structure is solid, with debt well contained relative to its sector. Point of attention: short-term liquidity is tight.

Financial history - EULER HERMES (SIREN 799339312)
Indicator 2022
Revenue 2 447 048 000 €
Net income 75 623 000 €
EBITDA 2 447 048 000 €
Net margin 3.1%

Revenue and income statement

In 2022, EULER HERMES achieves revenue of 2.4 Bn€. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 2.4 Bn€, representing 100.0% of revenue. Compared with its sector, this ratio places the company among the best positioned (sector median: 18.3%). Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 75.6 M€, i.e. 3.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

2 447 048 000 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

2 447 048 000 €

EBITDA (2022) ?
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

2 447 048 000 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

121 913 000 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

75 623 000 €

EBITDA margin (2022) ?
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 0%. Compared with its sector, this ratio places the company among the best positioned (sector median: 4.0%). Financial autonomy (= Equity / Total assets x 100) reaches 17%. This ratio is less favorable than the sector median (43.9%) and warrants attention. Cash flow represents 7.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This ratio is slightly less favorable than the sector median (16.5%).

Debt ratio (2022) ?
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 (2022) ?
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

17.45%

Cash flow / Revenue (2022) ?
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

7.28%

Repayment capacity (2022) ?
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
EULER HERMES

Sector positioning

Debt ratio
0.0% 2022
Q1: 0.0%
Med: 4.03%
Q3: 40.55%
Excellent

In 2022, the debt ratio of EULER HERMES (0.0%) 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
17.45% 2022
Q1: 20.49%
Med: 43.92%
Q3: 71.53%
Watch

In 2022, the financial autonomy of EULER HERMES (17.4%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

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 156 days of revenue, i.e. 1.1 Bn€ to permanently finance.

Operating WCR (2022) ?
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

1 061 578 363 €

Customer credit (2022) ?
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 (2022) ?
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 (2022) ?
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 (2022) ?
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

156 j

WCR and payment terms evolution
EULER HERMES

Positioning of EULER HERMES in its sector

Comparison with sector Autres assurances

Similar companies (Autres assurances)

Compare EULER HERMES with other companies in the same sector:

Voir toutes les statistiques du secteur Autres assurances

Top companies in Autres assurances

Largest companies by revenue in the sector Autres assurances:

Top companies in No

Largest companies by revenue in the department No:

Frequently asked questions about EULER HERMES

What is the revenue of EULER HERMES ?

The revenue of EULER HERMES in 2022 is 2.4 Mds€.

Is EULER HERMES profitable?

Yes, EULER HERMES generated a net profit of 75.6 M€ in 2022.

Where is the headquarters of EULER HERMES ?

The headquarters of EULER HERMES is located in address not disclosed.

Where to find the tax return of EULER HERMES ?

The tax return of EULER HERMES 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 EULER HERMES operate?

EULER HERMES operates in the sector Autres assurances (NAF code 65.12Z). See the 'Sector positioning' section above to compare the company with its competitors.