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PONTIER FINANCE : revenue, balance sheet and financial ratios

PONTIER FINANCE is a French company founded 14 years ago, specialized in the sector Activités des sociétés holding. Based in MONTELIMAR (26200), this company of category PME shows in 2018 a revenue of 20 k€. 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 - PONTIER FINANCE (SIREN 750988230)
Indicator 2018
Revenue 20 000 €
Net income 103 325 €
EBITDA 15 449 €
Net margin 516.6%

Revenue and income statement

En 2018, PONTIER FINANCE alcanza unos ingresos de 20 k€. Tras deducir el consumo (0 €), el margen bruto se sitúa en 20 k€, es decir, una tasa del 100%. El EBITDA alcanza 15 k€, representando el 77.2% de los ingresos. Este alto margen EBITDA proporciona una fuerte capacidad de autofinanciación. El resultado neto asciende a 103 k€, es decir, el 516.6% de los ingresos.

Revenue (2018) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

20 000 €

Gross margin (2018) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

20 000 €

EBITDA (2018) ?
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

15 449 €

EBIT (2018) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

15 449 €

Net income (2018) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

103 325 €

EBITDA margin (2018) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

77.2%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

El ratio de endeudamiento (= Deuda financiera / Fondos propios x 100) se sitúa en 5%. Este nivel muy bajo refleja una estructura financiera sólida. La autonomía financiera (= Fondos propios / Total activo x 100) alcanza el 95%. Esta alta autonomía significa que la empresa financia la mayoría de sus activos con fondos propios. La capacidad de reembolso indica que se necesitarían 0.4 años de flujo de caja. Este corto período demuestra una excelente sostenibilidad de la deuda. El flujo de caja representa el 516.6% de los ingresos. Este alto nivel proporciona una fuerte capacidad de autofinanciación.

Debt ratio (2018) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

5.109%

Financial autonomy (2018) ?
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

94.786%

Cash flow / Revenue (2018) ?
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

516.625%

Repayment capacity (2018) ?
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

0.411

Solvency indicators evolution
PONTIER FINANCE

Sector positioning

Ratio de endeudamiento
5.11 2018
2018
Q1: 0.17
Med: 17.79
Q3: 97.23
Bueno

En 2018, el ratio de endeudamiento de PONTIER FINANCE (5.11) se sitúa por debajo de la mediana del sector. Este ratio mide el peso de la deuda en relación con el patrimonio. Esta posición controlada refleja una gestión prudente.

Autonomía financiera
94.79% 2018
2018
Q1: 20.42%
Med: 58.43%
Q3: 88.08%
Excelente

En 2018, el autonomía financiera de PONTIER FINANCE (94.8%) se sitúa en el top 25% del sector. Este ratio representa la parte del patrimonio en la financiación total. Alta autonomía refleja independencia financiera y capacidad para absorber choques.

Capacidad de reembolso
0.41 ans 2018
2018
Q1: -0.0 ans
Med: 0.19 ans
Q3: 4.25 ans
Average

En 2018, el capacidad de reembolso de PONTIER FINANCE (0.4 an) se sitúa por encima de la mediana del sector. Este ratio indica el número de años necesarios para pagar la deuda con flujo de caja. Un esfuerzo de reducción podría mejorar la solidez financiera.

Liquidity ratios

El ratio de liquidez se sitúa en 2595.93. La empresa tiene 2€ de activos líquidos por cada 1€ de deuda a corto plazo. El ratio de cobertura de intereses (= EBIT / Gastos financieros) es de 13.7x. El resultado de explotación cubre muy ampliamente los gastos financieros.

Liquidity ratio (2018) ?
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

2595.925

Interest coverage (2018) ?
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

13.697

Liquidity indicators evolution
PONTIER FINANCE

Sector positioning

Ratio de liquidez
2595.93 2018
2018
Q1: 103.54
Med: 428.41
Q3: 2235.47
Excelente

En 2018, el ratio de liquidez de PONTIER FINANCE (2595.93) se sitúa en el top 25% del sector. Este ratio mide la capacidad de cubrir deuda a corto plazo con activos corrientes. Un ratio superior a 1 asegura cobertura cómoda de vencimientos a corto plazo.

Cobertura de intereses
13.7x 2018
2018
Q1: -64.61x
Med: 0.0x
Q3: 0.03x
Excelente

En 2018, el cobertura de intereses de PONTIER FINANCE (13.7x) se sitúa en el top 25% del sector. Este ratio indica cuántas veces el resultado operativo cubre los gastos de intereses. Alta cobertura significa que los gastos financieros pesan poco en la rentabilidad.

Working capital requirement (WCR) and payment terms

El fondo de maniobra operativo (FM) mide el desfase temporal de tesorería. Plazo medio de cobro a clientes: 0 días. Plazo proveedores: 231 días. Excelente situación: los proveedores financian 231 días del ciclo operativo. El FM representa 1270 días de ingresos.

Operating WCR (2018) ?
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

70 557 €

Customer credit (2018) ?
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 (2018) ?
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

231 j

Inventory turnover (2018) ?
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 (2018) ?
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

1270 j

WCR and payment terms evolution
PONTIER FINANCE

Positioning of PONTIER FINANCE in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Based on 117 transactions of similar company sales in 2018, the value of PONTIER FINANCE is estimated at 138 486 € (range 57 407€ - 339 297€). With an EBITDA of 15 449€, the sector multiple of 4.7x is applied. The price/revenue ratio is 0.51x (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 2018
117 transactions
57k€ 138k€ 339k€
138 486 € Range: 57 407€ - 339 297€
NAF 5 année 2018

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
15 449 € × 4.7x
Estimation 71 976 €
29 379€ - 121 815€
Revenue Multiple 30%
20 000 € × 0.51x
Estimation 10 287 €
4 946€ - 16 517€
Net Income Multiple 20%
103 325 € × 4.8x
Estimation 497 059 €
206 171€ - 1 367 176€
How is this estimate calculated?

This estimate is based on the analysis of 117 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 sociétés holding)

Compare PONTIER FINANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about PONTIER FINANCE

What is the revenue of PONTIER FINANCE ?

The revenue of PONTIER FINANCE in 2018 is 20 k€.

Is PONTIER FINANCE profitable?

Yes, PONTIER FINANCE generated a net profit of 103 k€ in 2018.

Where is the headquarters of PONTIER FINANCE ?

The headquarters of PONTIER FINANCE is located in MONTELIMAR (26200), in the department Drome.

Where to find the tax return of PONTIER FINANCE ?

The tax return of PONTIER FINANCE 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 PONTIER FINANCE operate?

PONTIER FINANCE operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.