MARY AUTOMOBILES SAINT LO : revenue, balance sheet and financial ratios

MARY AUTOMOBILES SAINT LO is a French company founded 16 years ago, specialized in the sector Commerce de voitures et de véhicules automobiles légers. Based in SAINT-LO (50000), this company of category ETI shows in 2024 a revenue of 24.8 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 - MARY AUTOMOBILES SAINT LO (SIREN 518735410)
Indicator 2024 2023 2021 2020 2019 2018 2017 2016
Revenue 24 804 950 € 24 628 230 € 30 184 289 € 29 842 895 € 28 806 771 € 27 792 627 € 26 460 928 € 24 348 021 €
Net income 3 457 € 419 777 € 278 422 € 268 763 € 183 734 € 196 886 € 265 344 € 130 435 €
EBITDA 596 338 € 628 235 € 512 415 € 386 245 € 344 924 € 328 169 € 336 700 € 161 066 €
Net margin 0.0% 1.7% 0.9% 0.9% 0.6% 0.7% 1.0% 0.5%

Revenue and income statement

In 2024, MARY AUTOMOBILES SAINT LO achieves revenue of 24.8 M€. Revenue is growing positively over 8 years (CAGR: +0.2%). Vs 2023: +1%. After deducting consumption (21.1 M€), gross margin stands at 3.7 M€, i.e. a rate of 15%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 596 k€, representing 2.4% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 3 k€, i.e. 0.0% 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

24 804 950 €

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

3 730 301 €

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

596 338 €

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

27 665 €

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

3 457 €

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

2.4%

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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 69%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 28%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 2.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

69.173%

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

28.29%

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

2.065%

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

2.656

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

29.2%

Solvency indicators evolution
MARY AUTOMOBILES SAINT LO

Sector positioning

Debt ratio
69.17 2024
2021
2023
2024
Q1: 4.08
Med: 38.33
Q3: 127.96
Average +17 pts over 3 years

In 2024, the debt ratio of MARY AUTOMOBILES SAINT LO (69.17) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
28.29% 2024
2021
2023
2024
Q1: 10.78%
Med: 27.25%
Q3: 53.06%
Good

In 2024, the financial autonomy of MARY AUTOMOBILES SAINT LO (28.3%) 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
2.66 years 2024
2021
2023
2024
Q1: -0.37 years
Med: 0.21 years
Q3: 3.53 years
Average +43 pts over 3 years

In 2024, the repayment capacity of MARY AUTOMOBILES SAINT LO (2.66) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 214.16. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 8.5x. Operating income very largely covers interest expenses: high safety margin.

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

214.165

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

8.527

Liquidity indicators evolution
MARY AUTOMOBILES SAINT LO

Sector positioning

Liquidity ratio
214.16 2024
2021
2023
2024
Q1: 132.93
Med: 200.61
Q3: 386.05
Good +26 pts over 3 years

In 2024, the liquidity ratio of MARY AUTOMOBILES SAINT LO (214.16) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
8.53x 2024
2021
2023
2024
Q1: 0.0x
Med: 2.15x
Q3: 25.1x
Good +7 pts over 3 years

In 2024, the interest coverage of MARY AUTOMOBILES SAINT LO (8.5x) 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. Average customer payment term: 16 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 44 days. Favorable situation: supplier credit is longer than customer credit by 28 days. Inventory turnover is 70 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 86 days of revenue, i.e. 5.9 M€ to permanently finance. Notable WCR improvement over the period (-24%), 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

5 913 004 €

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

16 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

44 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

70 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

86 j

WCR and payment terms evolution
MARY AUTOMOBILES SAINT LO

Positioning of MARY AUTOMOBILES SAINT LO in its sector

Comparison with sector Commerce de voitures et de véhicules automobiles légers

Valuation estimate

Based on 148 transactions of similar company sales in 2024, the value of MARY AUTOMOBILES SAINT LO is estimated at 1 676 451 € (range 725 117€ - 2 828 078€). With an EBITDA of 596 338€, the sector multiple of 1.6x is applied. The price/revenue ratio is 0.16x (conservative valuation). 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
148 transactions
725k€ 1676k€ 2828k€
1 676 451 € Range: 725 117€ - 2 828 078€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
596 338 € × 1.6x
Estimation 962 028 €
357 988€ - 1 432 352€
Revenue Multiple 30%
24 804 950 € × 0.16x
Estimation 3 978 780 €
1 817 167€ - 7 020 581€
Net Income Multiple 20%
3 457 € × 2.6x
Estimation 9 019 €
4 865€ - 28 642€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 148 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 (Commerce de voitures et de véhicules automobiles légers)

Compare MARY AUTOMOBILES SAINT LO with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de voitures et de véhicules automobiles légers

Frequently asked questions about MARY AUTOMOBILES SAINT LO

What is the revenue of MARY AUTOMOBILES SAINT LO ?

The revenue of MARY AUTOMOBILES SAINT LO in 2024 is 24.8 M€.

Is MARY AUTOMOBILES SAINT LO profitable?

Yes, MARY AUTOMOBILES SAINT LO generated a net profit of 3 k€ in 2024.

Where is the headquarters of MARY AUTOMOBILES SAINT LO ?

The headquarters of MARY AUTOMOBILES SAINT LO is located in SAINT-LO (50000), in the department Manche.

Where to find the tax return of MARY AUTOMOBILES SAINT LO ?

The tax return of MARY AUTOMOBILES SAINT LO 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 MARY AUTOMOBILES SAINT LO operate?

MARY AUTOMOBILES SAINT LO operates in the sector Commerce de voitures et de véhicules automobiles légers (NAF code 45.11Z). See the 'Sector positioning' section above to compare the company with its competitors.