GUY CARPENTER ET COMPANY SAS : revenue, balance sheet and financial ratios

GUY CARPENTER ET COMPANY SAS is a French company founded 68 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PUTEAUX (92800), this company of category ETI shows in 2024 a revenue of 34.5 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - GUY CARPENTER ET COMPANY SAS (SIREN 582123766)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 34 456 392 € 30 755 107 € 29 022 097 € 28 929 121 € 25 751 018 € 20 507 503 € 17 907 526 € 16 931 507 € 15 853 158 €
Net income 12 340 606 € 11 885 421 € 10 002 367 € 7 678 154 € 6 883 988 € 5 059 463 € 9 675 965 € 4 315 941 € 2 026 280 €
EBITDA 11 233 661 € 9 936 749 € 10 531 228 € 9 275 418 € 7 166 238 € 5 598 664 € 5 597 823 € 4 673 745 € 3 868 110 €
Net margin 35.8% 38.6% 34.5% 26.5% 26.7% 24.7% 54.0% 25.5% 12.8%

Revenue and income statement

In 2024, GUY CARPENTER ET COMPANY SAS achieves revenue of 34.5 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +10.2%. Vs 2023, growth of +12% (30.8 M€ -> 34.5 M€). After deducting consumption (0 €), gross margin stands at 34.5 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 11.2 M€, representing 32.6% 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 12.3 M€, i.e. 35.8% 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

34 456 392 €

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

34 456 392 €

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

11 233 661 €

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

10 088 173 €

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

12 340 606 €

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

32.6%

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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 23%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 39.0% 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

0.057%

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

22.984%

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

39.039%

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

0.001

Asset age ratio (2024) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

43.9%

Solvency indicators evolution
GUY CARPENTER ET COMPANY SAS

Sector positioning

Debt ratio
0.06 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Good -7 pts over 3 years

In 2024, the debt ratio of GUY CARPENTER ET COMPANY SAS (0.06) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
22.98% 2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average +7 pts over 3 years

In 2024, the financial autonomy of GUY CARPENTER ET COMPANY SAS (23.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Good

In 2024, the repayment capacity of GUY CARPENTER ET COMPANY SAS (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 102.40. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

102.404

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

0.0

Liquidity indicators evolution
GUY CARPENTER ET COMPANY SAS

Sector positioning

Liquidity ratio
102.4 2024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Watch

In 2024, the liquidity ratio of GUY CARPENTER ET COMPANY SAS (102.40) 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
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average -47 pts over 3 years

In 2024, the interest coverage of GUY CARPENTER ET COMPANY SAS (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 2 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 120 days. Excellent situation: suppliers finance 118 days of the operating cycle (retail model). WCR is negative (-208 days): operations structurally generate cash. Notable WCR improvement over the period (-95%), freeing up 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

-19 906 836 €

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

2 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

120 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

-208 j

WCR and payment terms evolution
GUY CARPENTER ET COMPANY SAS

Positioning of GUY CARPENTER ET COMPANY SAS in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of GUY CARPENTER ET COMPANY SAS is estimated at 21 922 828 € (range 6 938 080€ - 76 277 562€). With an EBITDA of 11 233 661€, the sector multiple of 1.2x is applied. The price/revenue ratio is 0.98x (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.

Estimated enterprise value 2024
193 transactions
6938k€ 21922k€ 76277k€
21 922 828 € Range: 6 938 080€ - 76 277 562€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
11 233 661 € × 1.2x
Estimation 13 600 074 €
3 512 762€ - 69 418 708€
Revenue Multiple 30%
34 456 392 € × 0.98x
Estimation 33 850 931 €
9 439 903€ - 62 956 862€
Net Income Multiple 20%
12 340 606 € × 2.0x
Estimation 24 837 560 €
11 748 644€ - 113 405 749€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 193 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 (Activités des agents et courtiers d'assurances)

Compare GUY CARPENTER ET COMPANY SAS with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about GUY CARPENTER ET COMPANY SAS

What is the revenue of GUY CARPENTER ET COMPANY SAS ?

The revenue of GUY CARPENTER ET COMPANY SAS in 2024 is 34.5 M€.

Is GUY CARPENTER ET COMPANY SAS profitable?

Yes, GUY CARPENTER ET COMPANY SAS generated a net profit of 12.3 M€ in 2024.

Where is the headquarters of GUY CARPENTER ET COMPANY SAS ?

The headquarters of GUY CARPENTER ET COMPANY SAS is located in PUTEAUX (92800), in the department Hauts-de-Seine.

Where to find the tax return of GUY CARPENTER ET COMPANY SAS ?

The tax return of GUY CARPENTER ET COMPANY SAS 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 GUY CARPENTER ET COMPANY SAS operate?

GUY CARPENTER ET COMPANY SAS operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.