BNP PARIBAS (BNP.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:BNP - FR0000131104 - Common Stock
73.7 EUR
+0.31 (+0.42%)
BNP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 108 industry peers in the Banks industry. BNP may be in some trouble as it scores bad on both profitability and health. BNP is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year BNP was profitable.
In the past year BNP had a positive cash flow from operations.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.57%, BNP is doing worse than 62.96% of the companies in the same industry.
BNP's Return On Equity of 13.03% is fine compared to the rest of the industry. BNP outperforms 60.19% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
BNP's Profit Margin of 16.32% is on the low side compared to the rest of the industry. BNP is outperformed by 75.00% of its industry peers.
In the last couple of years the Profit Margin of BNP has grown nicely.
BNP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
BNP does not have a ROIC to compare to the WACC, probably because it is not profitable.
BNP has less shares outstanding than it did 1 year ago.
BNP has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BNP has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BNP is 25.38, which is on the high side as it means it would take BNP, 25.38 years of fcf income to pay off 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 70.37% of its industry peers.
A Debt/Equity ratio of 2.61 is on the high side and indicates that BNP has dependencies on debt financing.
The Debt to Equity ratio of BNP (2.61) is worse than 63.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.61 | ||
| Debt/FCF | 25.38 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.47%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BNP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.47%.
BNP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.03% yearly.
Looking at the last year, BNP shows a small growth in Revenue. The Revenue has grown by 3.58% in the last year.
The Revenue has been growing slightly by 1.92% on average over the past years.
EPS 1Y (TTM)4.47%
EPS 3Y13.62%
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
The Earnings Per Share is expected to grow by 0.94% on average over the next years.
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-3.16%
EPS Next 2Y3.59%
EPS Next 3Y5.65%
EPS Next 5Y0.94%
Revenue Next Year6.28%
Revenue Next 2Y5.91%
Revenue Next 3Y5.34%
Revenue Next 5Y4.44%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.86, which indicates a rather cheap valuation of BNP.
BNP's Price/Earnings ratio is rather cheap when compared to the industry. BNP is cheaper than 90.74% of the companies in the same industry.
BNP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.31.
A Price/Forward Earnings ratio of 6.45 indicates a rather cheap valuation of BNP.
Based on the Price/Forward Earnings ratio, BNP is valued cheaper than 95.37% of the companies in the same industry.
BNP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.56.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.86 | ||
| Fwd PE | 6.45 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BNP is valued cheaper than 84.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.76
EPS Next 2Y3.59%
EPS Next 3Y5.65%
5. Dividend
5.1 Amount
BNP has a Yearly Dividend Yield of 3.53%.
Compared to an average industry Dividend Yield of 4.70, BNP has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, BNP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.53% |
5.2 History
The dividend of BNP is nicely growing with an annual growth rate of 11.07%!
Dividend Growth(5Y)11.07%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
BNP pays out 33.06% of its income as dividend. This is a sustainable payout ratio.
The dividend of BNP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP33.06%
EPS Next 2Y3.59%
EPS Next 3Y5.65%
FRA:BNP (11/28/2025, 7:00:00 PM)
73.7
+0.31 (+0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners46.72%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap82.31B
Revenue(TTM)101.08B
Net Income(TTM)16.37B
Analysts75
Price Target86.93 (17.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.53% |
Yearly Dividend4.57
Dividend Growth(5Y)11.07%
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)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)9
Avg Revenue beat(16)33.71%
PT rev (1m)-5.02%
PT rev (3m)-4.96%
EPS NQ rev (1m)-1.68%
EPS NQ rev (3m)-2%
EPS NY rev (1m)-0.77%
EPS NY rev (3m)-0.61%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)-0.48%
Revenue NY rev (3m)-0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.86 | ||
| Fwd PE | 6.45 | ||
| P/S | 0.82 | ||
| P/FCF | 5.12 | ||
| P/OCF | 4.5 | ||
| P/B | 0.65 | ||
| P/tB | 0.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.74
EY14.57%
EPS(NY)11.43
Fwd EY15.51%
FCF(TTM)14.39
FCFY19.53%
OCF(TTM)16.38
OCFY22.22%
SpS89.86
BVpS112.54
TBVpS103.79
PEG (NY)N/A
PEG (5Y)0.76
Graham Number164.91
Profitability
| Industry Rank | Sector 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
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 Rank | Sector 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
WACC5.47%
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)4.47%
EPS 3Y13.62%
EPS 5Y9.03%
EPS Q2Q%9.6%
EPS Next Y-3.16%
EPS Next 2Y3.59%
EPS Next 3Y5.65%
EPS Next 5Y0.94%
Revenue 1Y (TTM)3.58%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%5.26%
Revenue Next Year6.28%
Revenue Next 2Y5.91%
Revenue Next 3Y5.34%
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 for BNP 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.
How financially healthy is BNP PARIBAS?
The financial health rating of BNP PARIBAS (BNP.DE) is 2 / 10.
Is the dividend of BNP PARIBAS sustainable?
The dividend rating of BNP PARIBAS (BNP.DE) is 6 / 10 and the dividend payout ratio is 33.06%.