BNP PARIBAS (BNP.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:BNP • FR0000131104

92.07 EUR
+0.82 (+0.9%)
Last: Feb 5, 2026, 07:00 PM
Fundamental Rating

4

Taking everything into account, BNP scores 4 out of 10 in our fundamental rating. BNP was compared to 111 industry peers in the Banks industry. Both the profitability and financial health of BNP have multiple concerns. BNP is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

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

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.57%, BNP is doing worse than 60.36% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 13.03%, BNP is in the better half of the industry, outperforming 64.86% of the companies in the same industry.
Industry RankSector Rank
ROA 0.57%
ROE 13.03%
ROIC N/A
ROA(3y)0.38%
ROA(5y)0.35%
ROE(3y)8.14%
ROE(5y)7.6%
ROIC(3y)N/A
ROIC(5y)N/A
BNP.DE Yearly ROA, ROE, ROICBNP.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • The Profit Margin of BNP (16.32%) is worse than 77.48% of its industry peers.
  • BNP's Profit Margin has improved in the last couple of years.
  • BNP 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) 16.32%
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
BNP.DE Yearly Profit, Operating, Gross MarginsBNP.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • BNP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BNP has less shares outstanding
  • BNP has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, BNP has a worse debt to assets ratio.
BNP.DE Yearly Shares OutstandingBNP.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
BNP.DE Yearly Total Debt VS Total AssetsBNP.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T 2.5T

2.2 Solvency

  • BNP has a debt to FCF ratio of 25.38. This is a negative value and a sign of low solvency as BNP would need 25.38 years to pay back of all of its debts.
  • BNP has a Debt to FCF ratio of 25.38. This is in the better half of the industry: BNP outperforms 67.57% of its industry peers.
  • BNP has a Debt/Equity ratio of 2.61. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 2.61, BNP is doing worse than 64.86% 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
WACC5.73%
BNP.DE Yearly LT Debt VS Equity VS FCFBNP.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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
BNP.DE Yearly Current Assets VS Current LiabilitesBNP.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • BNP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.78%.
  • BNP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.03% yearly.
  • The Revenue has been growing slightly by 3.58% in the past year.
  • Measured over the past years, BNP shows a small growth in Revenue. The Revenue has been growing by 1.92% on average per year.
EPS 1Y (TTM)2.78%
EPS 3Y14.23%
EPS 5Y9.03%
EPS Q2Q%9.6%
Revenue 1Y (TTM)3.58%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%5.26%

3.2 Future

  • Based on estimates for the next years, BNP will show a small growth in Earnings Per Share. The EPS will grow by 0.33% on average per year.
  • Based on estimates for the next years, BNP will show a small growth in Revenue. The Revenue will grow by 4.44% on average per year.
EPS Next Y-4.43%
EPS Next 2Y3.27%
EPS Next 3Y5.55%
EPS Next 5Y0.33%
Revenue Next Year5.96%
Revenue Next 2Y5.75%
Revenue Next 3Y5.22%
Revenue Next 5Y4.44%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BNP.DE Yearly Revenue VS EstimatesBNP.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B 80B
BNP.DE Yearly EPS VS EstimatesBNP.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

More info and screens

Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.57, the valuation of BNP can be described as very reasonable.
  • BNP's Price/Earnings ratio is rather cheap when compared to the industry. BNP is cheaper than 86.49% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.92. BNP is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 7.98, the valuation of BNP can be described as very cheap.
  • BNP's Price/Forward Earnings ratio is rather cheap when compared to the industry. BNP is cheaper than 91.89% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of BNP to the average of the S&P500 Index (27.78), we can say BNP is valued rather cheaply.
Industry RankSector Rank
PE 8.57
Fwd PE 7.98
BNP.DE Price Earnings VS Forward Price EarningsBNP.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 79.28% of the companies in the same industry are more expensive than BNP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.4
EV/EBITDA N/A
BNP.DE Per share dataBNP.DE 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)0.95
EPS Next 2Y3.27%
EPS Next 3Y5.55%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • BNP has a Yearly Dividend Yield of 2.88%. Purely for dividend investing, there may be better candidates out there.
  • BNP's Dividend Yield is slightly below the industry average, which is at 4.10.
  • BNP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 2.88%

5.2 History

  • The dividend of BNP is nicely growing with an annual growth rate of 8.61%!
Dividend Growth(5Y)8.61%
Div Incr Years3
Div Non Decr Years3
BNP.DE Yearly Dividends per shareBNP.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2 4 6

5.3 Sustainability

  • BNP pays out 33.06% of its income as dividend. This is a sustainable payout ratio.
  • BNP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP33.06%
EPS Next 2Y3.27%
EPS Next 3Y5.55%
BNP.DE Yearly Income VS Free CF VS DividendBNP.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B -50B 100B
BNP.DE Dividend Payout.BNP.DE Dividend Payout, showing the Payout Ratio.BNP.DE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

BNP PARIBAS

FRA:BNP (2/5/2026, 7:00:00 PM)

92.07

+0.82 (+0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28
Earnings (Next)02-05
Inst Owners46.33%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap102.82B
Revenue(TTM)101.08B
Net Income(TTM)16.37B
Analysts73.33
Price Target89.18 (-3.14%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.88%
Yearly Dividend4.57
Dividend Growth(5Y)8.61%
DP33.06%
Div Incr Years3
Div Non Decr Years3
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)17.48%
EPS beat(12)10
Avg EPS beat(12)20.92%
EPS beat(16)14
Avg EPS beat(16)19.7%
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)12.47%
Revenue beat(16)9
Avg Revenue beat(16)33.27%
PT rev (1m)2.76%
PT rev (3m)-2.57%
EPS NQ rev (1m)-1.68%
EPS NQ rev (3m)-1.68%
EPS NY rev (1m)0.13%
EPS NY rev (3m)-0.51%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.78%
Valuation
Industry RankSector Rank
PE 8.57
Fwd PE 7.98
P/S 1.02
P/FCF 6.4
P/OCF 5.62
P/B 0.82
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)10.74
EY11.67%
EPS(NY)11.54
Fwd EY12.53%
FCF(TTM)14.39
FCFY15.63%
OCF(TTM)16.38
OCFY17.79%
SpS89.86
BVpS112.54
TBVpS103.79
PEG (NY)N/A
PEG (5Y)0.95
Graham Number164.91
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)0.38%
ROA(5y)0.35%
ROE(3y)8.14%
ROE(5y)7.6%
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC5.73%
ROIC/WACCN/A
Cap/Depr(3y)34.56%
Cap/Depr(5y)28.09%
Cap/Sales(3y)3.3%
Cap/Sales(5y)2.77%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)2.78%
EPS 3Y14.23%
EPS 5Y9.03%
EPS Q2Q%9.6%
EPS Next Y-4.43%
EPS Next 2Y3.27%
EPS Next 3Y5.55%
EPS Next 5Y0.33%
Revenue 1Y (TTM)3.58%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%5.26%
Revenue Next Year5.96%
Revenue Next 2Y5.75%
Revenue Next 3Y5.22%
Revenue Next 5Y4.44%
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

BNP PARIBAS / BNP.DE FAQ

What is the ChartMill fundamental rating of BNP PARIBAS (BNP.DE) stock?

ChartMill assigns a fundamental rating of 4 / 10 to BNP.DE.


What is the valuation status of BNP PARIBAS (BNP.DE) stock?

ChartMill assigns a valuation rating of 6 / 10 to BNP PARIBAS (BNP.DE). This can be considered as Fairly Valued.


How profitable is BNP PARIBAS (BNP.DE) stock?

BNP PARIBAS (BNP.DE) has a profitability rating of 3 / 10.


What are the PE and PB ratios of BNP PARIBAS (BNP.DE) stock?

The Price/Earnings (PE) ratio for BNP PARIBAS (BNP.DE) is 8.57 and the Price/Book (PB) ratio is 0.82.


What is the expected EPS growth for BNP PARIBAS (BNP.DE) stock?

The Earnings per Share (EPS) of BNP PARIBAS (BNP.DE) is expected to decline by -4.43% in the next year.