Agrica Epargne

Name

Agrica Epargne

Legal name

AGRICA EPARGNE

Website

https://agricaepargne.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Employee Savings and Retirement Asset Management

NAICS

Insurance and Employee Benefit Funds (5251), Pension Funds (52511)

SIC

Finance Services (6199)

akta.pro primary industry

Sustainable/ESG Equity (Active) (FSAAAIAM)

akta.pro secondary industry

ESG/Sustainable Investment Advisory (FSAEAAAJ)

Keywords

• Employee savings plans
• Retirement savings management
• ESG asset management
• Portfolio management company
• Profit-sharing schemes

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Asset Management Fees: Agrica Epargne generates revenue through management fees on approximately 2.2 billion euros in assets under management across its 4 types of asset management operations. The company manages FCPE funds (employee savings funds) and open-ended funds for institutional and retail investors.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Agrica Epargne is an AMF-regulated French portfolio management company that designs, manages, and distributes employee savings and retirement plans (PEE/PEI, PERECO/PERECOI) along with profit-sharing and value-sharing mechanisms (Participation, Intéressement, Abondement, PPV, PPVE, employee share ownership) for companies and individual employees. It manages approximately 2.2 billion euros across four types of asset management (FCPE employee savings funds, open-ended funds, sharing funds, and direct ESG equity management), with 100% of direct equity management conducted under ESG and Climate criteria.

Product overview

Agrica Epargne operates as a portfolio management company (Société de gestion de portefeuille) offering employee savings and retirement solutions. The core product portfolio centers on two main savings plans: the PEE/PEI (employee savings plans for short-to-medium term projects with 5-year lock periods) and the PERECO/PERECOI (collective company retirement savings plans). These are supplemented by optional add-on modules including Abondement (employer contributions), Intéressement (performance-based profit sharing), Participation (mandatory profit-sharing), Prime de Partage de la Valeur (value-sharing bonuses), PPVE (company value growth sharing), and Actionnariat Salarié (employee stock ownership). Supporting tools include investment return simulators and investor profile assessment tools. The company manages a diversified range of FCPE (employee savings funds) including open funds, employee savings funds, and sharing funds, with all direct equity management conducted under ESG and Climate criteria. Services are delivered in partnership with Amundi ESR for account management and administration.

Differentiator

Problem solved

Functional benefit

Products and services

• Plan d'Épargne Entreprise (PEE) / Plan d'Épargne Interentreprises (PEI) Employee savings plans allowing employees to build savings for short and medium-term projects, with funds locked for 5 years but accessible earlier under specific conditions. Targeted at companies and their employees in France.
• PERECO / PERECOI (Plan d'Épargne Retraite d'Entreprise Collectif) Collective company retirement savings plan succeeding the PERCO, allowing employees to build retirement savings with potential employer contributions and tax advantages under the Loi PACTE framework. Targeted at companies and their employees in France.
• Abondement (Company Contribution) Optional company contribution that supplements employee savings, providing financial incentives for employees to build savings faster with employer-matched funds. Targeted at companies implementing employee savings plans.
• Intéressement Optional profit-sharing scheme linking employee bonuses to company performance metrics, which can be invested in savings plans with tax advantages. Targeted at French companies and their employees.
• Participation Mandatory or optional employee profit-sharing arrangement redistributing company profits to employees, governed by specific calculation formulas. Targeted at French companies and their employees.
• Prime de Partage de la Valeur (PPV) Value-sharing bonus (formerly PEPA/Macron bonus) allowing employers to pay employees with social and tax advantages, up to €3,000-€6,000 depending on company setup. Targeted at French employers and employees.
• Plan de Partage de la Valorisation de l'Entreprise (PPVE) Company value-sharing plan allowing employees to receive bonuses when company value increases over a 3-year period. Targeted at French companies and their employees.
• Actionnariat Salarié (Employee Stock Ownership) Employee share ownership program allowing employees to invest in their company through direct shares or FCPE funds, subject to specific conditions. Targeted at French companies and their employees.
• Gamme de Fonds (FCPE Funds) Range of employee savings funds (FCPE) managed by Agrica Epargne, including open funds, employee savings funds, and sharing funds with ESG and Climate criteria applied to 100% of direct equity management. Targeted at companies implementing employee savings plans and individual savers.
• Simulateur de Rendement (Investment Return Simulator) Investment return simulator helping employees estimate potential returns based on their investor profile (Prudent, Equilibré, or Dynamique) and investment parameters. Targeted at individual savers and companies' employees.
• Simulateur de Profil Épargnant (Investor Profile Questionnaire) Investor profile questionnaire helping savers define their risk tolerance and investment profile (Prudent, Equilibré, or Dynamique) through a multi-step assessment. Targeted at individual savers.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Amundi ESRcoreChannel Partner/ Reseller/ DistributorAmundi ESR serves as the account keeper (teneur de comptes) for Agrica Epargne's employee savings plans. They handle individual saver account management, administrative operations including contributions, arbitrations, transfers, and early withdrawal processing. Certified ISO 9001 and Engagements de Service under Quali'ESR by AFNOR Certification.
• Groupe AgricacoreStrategic or Co-development PartnerParent company and shareholder of Agrica Epargne (100% subsidiary). Groupe Agrica comprises provident institutions CCPMA Prévoyance and CPCEA, with paritarian governance structure. Provides institutional foundation and social protection DNA dating back over 100 years.
• Siel BleuminorStrategic or Co-development PartnerCharitable organization receiving annual donations from Agrica Epargne's sharing funds (fonds de partage). Siel Bleu promotes physical activity for health at home, in nursing homes (Ehpad), and hospitals, supporting people with disabling diseases (cancer, Alzheimer's, Parkinson's) and accident victims.
• ClinatecminorStrategic or Co-development PartnerCharitable organization receiving annual donations from Agrica Epargne's sharing funds (fonds de partage). Clinatec supports medical research and healthcare initiatives complementary to Siel Bleu's activities.
• CCPMA PrévoyancecoreStrategic or Co-development PartnerOne of the two provident institutions (along with CPCEA) that owns Groupe Agrica and thus Agrica Epargne. Represents the paritarian (jointly managed) governance structure of the group.
• CPCEAcoreStrategic or Co-development PartnerOne of the two provident institutions (along with CCPMA Prévoyance) that owns Groupe Agrica and thus Agrica Epargne. Represents the paritarian governance structure of the group.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Malakoff Humanis: Large French paritarian social-protection group providing employee benefits and savings — competes with Groupe AGRICA/Agrica Epargne for enterprise and provident-affiliated savings flows.
• BNP Paribas Épargne Salariale: BNP Paribas's employee savings business offering a full PEE/PERCO/Abondement suite plus corporate advisory, competing with Agrica Epargne for French enterprise mandates.
• Natixis Interépargne: Natixis's employee-savings subsidiary offering PEE/PERCO products and proprietary FCPE ranges to a broad French enterprise base — a large-scale incumbent competitor.
• AG2R La Mondiale: Major French paritarian provident institution with retirement and employee savings offerings — structurally similar to Groupe AGRICA and a competitor for agricultural and B2B savings clients.
• Amundi: Europe's largest asset manager and parent of Amundi ESR, which already serves as Agrica Epargne's account keeper; competes across enterprise savings, FCPE, and open-ended ESG funds.

Direct peers

• Sycomore Asset Management: Paris-based independent asset manager specialized in sustainable/ESG investing across equities and multi-asset — competes with Agrica Epargne for ESG institutional and retail-savings mandates.
• Mirova: Ostrum-owned affiliate dedicated to sustainable investment across equities, fixed income, and impact strategies — a peer for responsible-investment mandates and ESG methodology benchmarking.
• Eres: French employee savings and retirement specialist focused on PME/ETI, with a strong responsible investment and ESG overlay — competes head-on with Agrica Epargne in the PEE/PERCO/PEE market for French SMEs.
• Ecofi (Groupe Crédit Coopératif): ESG-focused French asset manager offering employee savings (FCPE) and responsible investment funds, overlapping directly with Agrica Epargne's responsible-investment and FCPE fund ranges.

Emerging players

• OFI Invest: Independent French asset manager with strong ESG and employee-savings offering, structurally comparable to Agrica Epargne as a mid-sized specialist competing against large incumbents.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/agricaepargne

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Agrica Epargne