WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. : revenue, balance sheet and financial ratios

WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. is a French company founded 10 years ago, specialized in the sector Autres intermédiations monétaires. Based in PARIS (75008), this company of category PME shows in 2024 a revenue of 5.7 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 - WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. (SIREN 818909293)
Indicator 2024 2023 2021 2020 2019 2018 2017 2016
Revenue 5 733 314 € 5 113 322 € 3 007 927 € 6 522 460 € 7 224 159 € 5 886 420 € 5 624 069 € 1 758 481 €
Net income 328 553 € 3 021 727 € -3 140 186 € 154 944 € 378 266 € 164 357 € 257 499 € 93 799 €
EBITDA 1 272 069 € 3 741 928 € -2 947 006 € 695 800 € 810 622 € 195 385 € 482 314 € 159 859 €
Net margin 5.7% 59.1% -104.4% 2.4% 5.2% 2.8% 4.6% 5.3%

Revenue and income statement

In 2024, WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. achieves revenue of 5.7 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +15.9%. Vs 2023, growth of +12% (5.1 M€ -> 5.7 M€). After deducting consumption (0 €), gross margin stands at 5.7 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 1.3 M€, representing 22.2% of revenue. Warning negative scissor effect: despite revenue change (+12%), EBITDA varies by -66%, reducing margin by 51.0 pts. This reflects costs rising faster than 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 329 k€, i.e. 5.7% 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

5 733 314 €

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

5 733 314 €

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

1 272 069 €

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

579 256 €

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

328 553 €

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

19.4%

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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 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 68%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 15.6% 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

0.0%

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

68.33%

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

15.634%

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

0.0

Solvency indicators evolution
WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S.

Sector positioning

Debt ratio
0.0 2024
2021
2023
2024
Q1: 0.0
Med: 0.0
Q3: 38.07
Excellent

In 2024, the debt ratio of WELLS FARGO INTERNATIONAL... (0.00) 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
68.33% 2024
2021
2023
2024
Q1: 6.06%
Med: 9.53%
Q3: 57.67%
Excellent +57 pts over 3 years

In 2024, the financial autonomy of WELLS FARGO INTERNATIONAL... (68.3%) 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.

Repayment capacity
0.0 years 2024
2021
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.76 years
Excellent

In 2024, the repayment capacity of WELLS FARGO INTERNATIONAL... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 852.81. 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 2.0x. Coverage is limited: any activity downturn would jeopardize interest payments.

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

852.814

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

1.989

Liquidity indicators evolution
WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S.

Sector positioning

Liquidity ratio
852.81 2024
2021
2023
2024
Q1: 0.0
Med: 42.63
Q3: 395.8
Excellent +31 pts over 3 years

In 2024, the liquidity ratio of WELLS FARGO INTERNATIONAL... (852.81) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
1.99x 2024
2021
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 0.73x
Excellent +50 pts over 3 years

In 2024, the interest coverage of WELLS FARGO INTERNATIONAL... (2.0x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 24 days of revenue, i.e. 379 k€ to permanently finance. Notable WCR improvement over the period (-47%), 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

378 571 €

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

0 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

0 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

24 j

WCR and payment terms evolution
WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S.

Positioning of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. in its sector

Comparison with sector Autres intermédiations monétaires

Valuation estimate

Based on 82 transactions of similar company sales in 2024, the value of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. is estimated at 5 688 453 € (range 1 372 414€ - 8 274 415€). With an EBITDA of 1 272 069€, the sector multiple of 6.9x is applied. The price/revenue ratio is 0.59x (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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2024
82 tx
1372k€ 5688k€ 8274k€
5 688 453 € Range: 1 372 414€ - 8 274 415€
Section année 2024 Aggregated at NAF section level

Valuation detail by method

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EBITDA Multiple 50%
1 272 069 € × 6.9x
Estimation 8 836 113 €
1 348 572€ - 11 933 105€
Revenue Multiple 30%
5 733 314 € × 0.59x
Estimation 3 375 613 €
2 100 058€ - 4 767 019€
Net Income Multiple 20%
328 553 € × 3.9x
Estimation 1 288 568 €
340 555€ - 4 388 785€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 82 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 (Autres intermédiations monétaires)

Compare WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiations monétaires

Frequently asked questions about WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S.

What is the revenue of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. ?

The revenue of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. in 2024 is 5.7 M€.

Is WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. profitable?

Yes, WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. generated a net profit of 329 k€ in 2024.

Where is the headquarters of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. ?

The headquarters of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. is located in PARIS (75008), in the department Paris.

Where to find the tax return of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. ?

The tax return of WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. 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 WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. operate?

WELLS FARGO INTERNATIONAL FINANCE (FRANCE) S.A.S. operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.