SIREN : 500082672
RS FINANCES is a French company founded 18 years ago, specialized in the sector Autres intermédiations monétaires. Based in SAINT-ETIENNE (42000), this company of category PME shows in 2020 a revenue of 840 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|
| Revenue | 839 783 € | 813 020 € | 763 182 € | 1 063 732 € | 740 591 € |
| Net income | 122 023 € | 129 940 € | 98 691 € | 208 075 € | 198 659 € |
| EBITDA | 162 564 € | 169 763 € | 138 633 € | 317 467 € | 118 186 € |
| Net margin | 14.5% | 16.0% | 12.9% | 19.6% | 26.8% |
In 2020, RS FINANCES achieves revenue of 840 k€. Revenue is growing positively over 5 years (CAGR: +3.2%). Vs 2019: +3%. After deducting consumption (0 €), gross margin stands at 840 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 163 k€, representing 19.4% 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 122 k€, i.e. 14.5% of revenue. This profit can be retained or distributed to shareholders.
839 783 €
839 783 €
162 564 €
157 838 €
122 023 €
19.4%
The debt ratio (= Financial debt / Equity x 100) stands at 46%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 58%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 14.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
45.637%
57.95%
14.675%
0.585
41.6%
In 2020, the debt ratio of RS FINANCES (45.64) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2020, the financial autonomy of RS FINANCES (58.0%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2020, the repayment capacity of RS FINANCES (0.58) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 351.11. 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 0.9x. Danger: operating income does not cover interest charges, unsustainable situation.
351.109
0.909
In 2020, the liquidity ratio of RS FINANCES (351.11) 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.
In 2020, the interest coverage of RS FINANCES (0.9x) 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. Average customer payment term: 9 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 19 days. Favorable situation: supplier credit is longer than customer credit by 10 days. Overall, WCR represents 10 days of revenue, i.e. 24 k€ to permanently finance.
24 186 €
9 j
19 j
0 j
10 j
Based on 214 transactions of similar company sales in 2020, the value of RS FINANCES is estimated at 980 061 € (range 325 627€ - 1 576 028€). With an EBITDA of 162 564€, the sector multiple of 7.2x is applied. The price/revenue ratio is 0.66x (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.
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This estimate is based on the analysis of 214 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 RS FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Autres intermédiations monétaires
The revenue of RS FINANCES in 2020 is 840 k€.
Yes, RS FINANCES generated a net profit of 122 k€ in 2020.
The headquarters of RS FINANCES is located in SAINT-ETIENNE (42000), in the department Loire.
The tax return of RS FINANCES 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).
RS FINANCES operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.