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BNP PARIBAS (1BNP.MI) Stock Fundamental Analysis

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

81.44  +1.62 (+2.03%)

Fundamental Rating

4

Overall 1BNP gets a fundamental rating of 4 out of 10. We evaluated 1BNP against 91 industry peers in the Banks industry. Both the profitability and financial health of 1BNP have multiple concerns. 1BNP has a decent growth rate and is not valued too expensively. 1BNP also has an excellent dividend rating.


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 positive operating cash flow in the past year.
In the past 5 years 1BNP has always been profitable.
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

The Return On Assets of 1BNP (0.57%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 13.03%, 1BNP is in the better half of the industry, outperforming 70.33% of the companies in the same industry.
Industry RankSector Rank
ROA 0.57%
ROE 13.03%
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

With a Profit Margin value of 16.32%, 1BNP is not doing good in the industry: 67.03% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of 1BNP has grown nicely.
The Operating Margin and Gross Margin are not available for 1BNP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 16.32%
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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2

2. Health

2.1 Basic Checks

1BNP does not have a ROIC to compare to the WACC, probably because it is not profitable.
1BNP has less shares outstanding than it did 1 year ago.
1BNP has less shares outstanding than it did 5 years ago.
1BNP has a worse debt/assets ratio than last year.
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 to FCF ratio of 25.38. This is a negative value and a sign of low solvency as 1BNP would need 25.38 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 25.38, 1BNP belongs to the best of the industry, outperforming 80.22% of the companies in the same industry.
A Debt/Equity ratio of 2.61 is on the high side and indicates that 1BNP has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 2.61, 1BNP is doing worse than 62.64% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.61
Debt/FCF 25.38
Altman-Z N/A
ROIC/WACCN/A
WACC5.26%
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

1BNP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.24%.
The Earnings Per Share has been growing by 9.03% on average over the past years. This is quite good.
The Revenue has been growing slightly by 3.25% in the past year.
Measured over the past years, 1BNP shows a small growth in Revenue. The Revenue has been growing by 1.92% on average per year.
EPS 1Y (TTM)3.24%
EPS 3Y13.62%
EPS 5Y9.03%
EPS Q2Q%-8.04%
Revenue 1Y (TTM)3.25%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%2.53%

3.2 Future

Based on estimates for the next years, 1BNP will show a small growth in Earnings Per Share. The EPS will grow by 0.26% on average per year.
The Revenue is expected to grow by 4.07% on average over the next years.
EPS Next Y-4.86%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
EPS Next 5Y0.26%
Revenue Next Year6.31%
Revenue Next 2Y5.91%
Revenue Next 3Y5.5%
Revenue Next 5Y4.07%

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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 2029 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 2029 2 4 6 8 10

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.76, which indicates a rather cheap valuation of 1BNP.
83.52% of the companies in the same industry are more expensive than 1BNP, based on the Price/Earnings ratio.
1BNP is valuated cheaply when we compare the Price/Earnings ratio to 26.48, which is the current average of the S&P500 Index.
1BNP is valuated cheaply with a Price/Forward Earnings ratio of 7.20.
Based on the Price/Forward Earnings ratio, 1BNP is valued cheaply inside the industry as 94.51% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.04, 1BNP is valued rather cheaply.
Industry RankSector Rank
PE 7.76
Fwd PE 7.2
1BNP.MI Price Earnings VS Forward Price Earnings1BNP.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

83.52% of the companies in the same industry are more expensive than 1BNP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.73
EV/EBITDA N/A
1BNP.MI Per share data1BNP.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.86
EPS Next 2Y3.06%
EPS Next 3Y5.01%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.03%, 1BNP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.01, 1BNP pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, 1BNP pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.03%

5.2 History

On average, the dividend of 1BNP grows each year by 11.07%, which is quite nice.
Dividend Growth(5Y)11.07%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

1BNP pays out 33.06% of its income as dividend. This is a sustainable payout ratio.
The dividend of 1BNP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP33.06%
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
1BNP.MI Dividend Payout.1BNP.MI Dividend Payout, showing the Payout Ratio.1BNP.MI Dividend Payout.PayoutRetained Earnings

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BNP PARIBAS

BIT:1BNP (8/8/2025, 5:07:12 PM)

81.44

+1.62 (+2.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-28 2025-10-28
Inst Owners40.16%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap92.09B
Analysts76.67
Price Target90.95 (11.68%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.03%
Yearly Dividend4.57
Dividend Growth(5Y)11.07%
DP33.06%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.28%
Min EPS beat(2)0.74%
Max EPS beat(2)5.83%
EPS beat(4)3
Avg EPS beat(4)12.18%
Min EPS beat(4)-0.18%
Max EPS beat(4)42.35%
EPS beat(8)7
Avg EPS beat(8)16.44%
EPS beat(12)10
Avg EPS beat(12)20.22%
EPS beat(16)14
Avg EPS beat(16)19.18%
Revenue beat(2)0
Avg Revenue beat(2)-0.65%
Min Revenue beat(2)-0.69%
Max Revenue beat(2)-0.6%
Revenue beat(4)1
Avg Revenue beat(4)-0.03%
Min Revenue beat(4)-1.54%
Max Revenue beat(4)2.73%
Revenue beat(8)3
Avg Revenue beat(8)-0.31%
Revenue beat(12)5
Avg Revenue beat(12)13.06%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)5.61%
PT rev (3m)6.13%
EPS NQ rev (1m)1.32%
EPS NQ rev (3m)0.94%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)2.59%
Revenue NQ rev (3m)3.07%
Revenue NY rev (1m)0.44%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE 7.76
Fwd PE 7.2
P/S 0.92
P/FCF 5.73
P/OCF 5.04
P/B 0.73
P/tB 0.79
EV/EBITDA N/A
EPS(TTM)10.5
EY12.89%
EPS(NY)11.31
Fwd EY13.89%
FCF(TTM)14.21
FCFY17.45%
OCF(TTM)16.17
OCFY19.86%
SpS88.74
BVpS111.15
TBVpS102.5
PEG (NY)N/A
PEG (5Y)0.86
Profitability
Industry RankSector Rank
ROA 0.57%
ROE 13.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.32%
GM N/A
FCFM 16.02%
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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.61
Debt/FCF 25.38
Debt/EBITDA N/A
Cap/Depr 28.77%
Cap/Sales 2.21%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 98.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.26%
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)3.24%
EPS 3Y13.62%
EPS 5Y9.03%
EPS Q2Q%-8.04%
EPS Next Y-4.86%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
EPS Next 5Y0.26%
Revenue 1Y (TTM)3.25%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%2.53%
Revenue Next Year6.31%
Revenue Next 2Y5.91%
Revenue Next 3Y5.5%
Revenue Next 5Y4.07%
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 1Y124.48%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y128.99%
OCF growth 3YN/A
OCF growth 5YN/A