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BNP PARIBAS (1BNP.MI) Stock Fundamental Analysis

BIT:1BNP - Euronext Milan - FR0000131104 - Common Stock - Currency: EUR

77.21  -0.4 (-0.52%)

Fundamental Rating

3

Taking everything into account, 1BNP scores 3 out of 10 in our fundamental rating. 1BNP was compared to 92 industry peers in the Banks industry. 1BNP has a bad profitability rating. Also its financial health evaluation is rather negative. 1BNP has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

1BNP had positive earnings in the past year.
1BNP had a negative operating cash flow in the past year.
1BNP had positive earnings in each of the past 5 years.
In multiple years 1BNP reported negative operating cash flow during the last 5 years.
1BNP.MI Yearly Net Income VS EBIT VS OCF VS FCF1BNP.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B -50B 100B

1.2 Ratios

With a Return On Assets value of 0.62%, 1BNP perfoms like the industry average, outperforming 44.57% of the companies in the same industry.
1BNP has a better Return On Equity (13.12%) than 66.30% of its industry peers.
Industry RankSector Rank
ROA 0.62%
ROE 13.12%
ROIC N/A
ROA(3y)0.39%
ROA(5y)0.35%
ROE(3y)8.24%
ROE(5y)7.65%
ROIC(3y)N/A
ROIC(5y)N/A
1BNP.MI Yearly ROA, ROE, ROIC1BNP.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

1BNP's Profit Margin of 16.97% is on the low side compared to the rest of the industry. 1BNP is outperformed by 68.48% of its industry peers.
1BNP's Profit Margin has improved in the last couple of years.
1BNP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 16.97%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.85%
PM growth 5Y4.94%
GM growth 3YN/A
GM growth 5YN/A
1BNP.MI Yearly Profit, Operating, Gross Margins1BNP.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

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1

2. Health

2.1 Basic Checks

1BNP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1BNP has been reduced compared to 1 year ago.
Compared to 5 years ago, 1BNP has less shares outstanding
The debt/assets ratio for 1BNP is higher compared to a year ago.
1BNP.MI Yearly Shares Outstanding1BNP.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
1BNP.MI Yearly Total Debt VS Total Assets1BNP.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T 2.5T

2.2 Solvency

1BNP has a Debt/Equity ratio of 2.19. This is a high value indicating a heavy dependency on external financing.
1BNP's Debt to Equity ratio of 2.19 is in line compared to the rest of the industry. 1BNP outperforms 44.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.24%
1BNP.MI Yearly LT Debt VS Equity VS FCF1BNP.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100B 200B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1BNP.MI Yearly Current Assets VS Current Liabilites1BNP.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 13.40% over the past year.
The Earnings Per Share has been growing by 9.03% on average over the past years. This is quite good.
1BNP shows a small growth in Revenue. In the last year, the Revenue has grown by 4.44%.
The Revenue has been growing slightly by 1.92% on average over the past years.
EPS 1Y (TTM)13.4%
EPS 3Y13.62%
EPS 5Y9.03%
EPS Q2Q%4.13%
Revenue 1Y (TTM)4.44%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%3.82%

3.2 Future

The Earnings Per Share is expected to decrease by -0.39% on average over the next years.
Based on estimates for the next years, 1BNP will show a small growth in Revenue. The Revenue will grow by 2.95% on average per year.
EPS Next Y-4.86%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
EPS Next 5Y-0.39%
Revenue Next Year5.85%
Revenue Next 2Y5.64%
Revenue Next 3Y5.27%
Revenue Next 5Y2.95%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
1BNP.MI Yearly Revenue VS Estimates1BNP.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B 80B
1BNP.MI Yearly EPS VS Estimates1BNP.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.18, the valuation of 1BNP can be described as very cheap.
82.61% of the companies in the same industry are more expensive than 1BNP, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of 1BNP to the average of the S&P500 Index (26.17), we can say 1BNP is valued rather cheaply.
1BNP is valuated cheaply with a Price/Forward Earnings ratio of 6.83.
1BNP's Price/Forward Earnings ratio is rather cheap when compared to the industry. 1BNP is cheaper than 93.48% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.10. 1BNP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.18
Fwd PE 6.83
1BNP.MI Price Earnings VS Forward Price Earnings1BNP.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1BNP.MI Per share data1BNP.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 100

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.8
EPS Next 2Y3.06%
EPS Next 3Y5.01%

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6

5. Dividend

5.1 Amount

1BNP has a Yearly Dividend Yield of 6.15%, which is a nice return.
1BNP's Dividend Yield is a higher than the industry average which is at 5.03.
Compared to an average S&P500 Dividend Yield of 2.40, 1BNP pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.15%

5.2 History

The dividend of 1BNP is nicely growing with an annual growth rate of 11.52%!
Dividend Growth(5Y)11.52%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

DP0%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
1BNP.MI Yearly Income VS Free CF VS Dividend1BNP.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B -50B 100B

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BNP PARIBAS

BIT:1BNP (5/28/2025, 12:44:05 PM)

77.21

-0.4 (-0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-22 2025-07-22
Inst Owners44.4%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap87.31B
Analysts74.17
Price Target85.7 (11%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.15%
Yearly Dividend3.99
Dividend Growth(5Y)11.52%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)21.09%
Min EPS beat(2)-0.18%
Max EPS beat(2)42.35%
EPS beat(4)3
Avg EPS beat(4)21.66%
Min EPS beat(4)-0.18%
Max EPS beat(4)42.35%
EPS beat(8)7
Avg EPS beat(8)28.26%
EPS beat(12)10
Avg EPS beat(12)23.83%
EPS beat(16)14
Avg EPS beat(16)21.83%
Revenue beat(2)1
Avg Revenue beat(2)0.59%
Min Revenue beat(2)-1.54%
Max Revenue beat(2)2.73%
Revenue beat(4)3
Avg Revenue beat(4)1.15%
Min Revenue beat(4)-1.54%
Max Revenue beat(4)2.73%
Revenue beat(8)4
Avg Revenue beat(8)-0.28%
Revenue beat(12)7
Avg Revenue beat(12)31.37%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.11%
PT rev (3m)5.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.54%
EPS NY rev (1m)0%
EPS NY rev (3m)0.33%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)-0.91%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)0.77%
Valuation
Industry RankSector Rank
PE 7.18
Fwd PE 6.83
P/S 0.88
P/FCF N/A
P/OCF N/A
P/B 0.68
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)10.75
EY13.92%
EPS(NY)11.31
Fwd EY14.65%
FCF(TTM)-88
FCFYN/A
OCF(TTM)-86.11
OCFYN/A
SpS87.62
BVpS113.31
TBVpS104.52
PEG (NY)N/A
PEG (5Y)0.8
Profitability
Industry RankSector Rank
ROA 0.62%
ROE 13.12%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.97%
GM N/A
FCFM N/A
ROA(3y)0.39%
ROA(5y)0.35%
ROE(3y)8.24%
ROE(5y)7.65%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.85%
PM growth 5Y4.94%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.19
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 29.37%
Cap/Sales 2.16%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC5.24%
ROIC/WACCN/A
Cap/Depr(3y)34.56%
Cap/Depr(5y)28.09%
Cap/Sales(3y)3.25%
Cap/Sales(5y)2.74%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.4%
EPS 3Y13.62%
EPS 5Y9.03%
EPS Q2Q%4.13%
EPS Next Y-4.86%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
EPS Next 5Y-0.39%
Revenue 1Y (TTM)4.44%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%3.82%
Revenue Next Year5.85%
Revenue Next 2Y5.64%
Revenue Next 3Y5.27%
Revenue Next 5Y2.95%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-172.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-184.38%
OCF growth 3YN/A
OCF growth 5YN/A