Societe Equipement Domestique et Menager SA
Societe Equipement Domestique et Menager SA provides consumer finance services, including personal loans and credit products, primarily in the domestic and household goods sectors.
Business. Societe Equipement Domestique et Menager SA (EQD.CS) operates in the Consumer Lending industry within the Banking & Investment Services sector. The company generates revenue primarily through a fee-income model associated with banking activities. Specific details regarding operating segments, headquarters location, and primary stock exchange listings are not available in the provided data.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
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Composite-score breakdown
Synthesis
Societe Equipement Domestique et Menager SA (EQD.CS) operates in the Consumer Lending industry within the Banking & Investment Services sector. The company generates revenue primarily through a fee-income model associated with banking activities. Specific details regarding operating segments, headquarters location, and primary stock exchange listings are not available in the provided data.
Societe Equipement Domestique et Menager SA maintains a capital structure with a debt-to-equity ratio of 3.9, indicating a high reliance on debt financing. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. Free cash flow for the period was 40.41 million, while operating cash flow was 67.87 million, suggesting some capacity to service obligations but with limited flexibility for expansion or dividends.
Profitability metrics show a return on equity of 6.63% and a return on assets of 1.15%, both below the industry median for consumer lending. These figures suggest the company is underperforming relative to its peers in terms of capital efficiency and asset utilization.
The company's revenue is concentrated in its domestic market, with no disclosed international operations. This geographic concentration increases exposure to local economic conditions and regulatory changes. No segment breakdown is available, but the company operates as a single business unit focused on consumer lending.
Growth trajectory is modest, with no disclosed revenue growth in the current fiscal year. The company's capital expenditure was negative at -77.80 million, indicating asset disposals or a reduction in investment. This may reflect a strategic shift or financial constraints.
Risk factors include a high debt load and limited liquidity, which could constrain operational flexibility. The company's dilution risk is assessed as low, with no significant dilution events in the past year. However, the negative net cash position and high debt-to-equity ratio suggest potential refinancing risks.
Recent filings and transcripts indicate no major strategic changes or regulatory issues. The company has not issued new shares in the past year, and no material events have been disclosed that would significantly alter its financial position.
- The company has a high debt-to-equity ratio of 3.9, indicating a heavy reliance on debt financing.
- Return on equity of 6.63% and return on assets of 1.15% are below industry medians, suggesting underperformance.
- Free cash flow of 40.41 million provides some liquidity but is insufficient for major expansion.
- The company's operations are concentrated in its domestic market, increasing exposure to local economic conditions.
- No significant dilution events have occurred in the past year, but the high debt load could pose refinancing risks.
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- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
- Societe Equipement Domestique et Menager SA Market data — financials · 2026-05-27