BNP PARIBAS (BNP.DE) Fundamental Analysis & Valuation
FRA:BNP • FR0000131104
86.38 EUR
-0.72 (-0.83%)
Last: Mar 6, 2026, 07:00 PM
This BNP.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
BNP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 106 industry peers in the Banks industry. Both the profitability and financial health of BNP have multiple concerns. BNP scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. BNP.DE Profitability Analysis
1.1 Basic Checks
- BNP had positive earnings in the past year.
- 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.
1.2 Ratios
- With a Return On Assets value of 0.63%, BNP perfoms like the industry average, outperforming 41.51% of the companies in the same industry.
- BNP has a better Return On Equity (13.95%) than 71.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 13.95% | ||
| ROIC | N/A |
ROA(3y)0.4%
ROA(5y)0.38%
ROE(3y)8.65%
ROE(5y)8.26%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- BNP's Profit Margin of 17.01% is on the low side compared to the rest of the industry. BNP is outperformed by 77.36% of its industry peers.
- BNP's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for BNP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.01% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.07%
PM growth 5Y3.17%
GM growth 3YN/A
GM growth 5YN/A
2. BNP.DE Health Analysis
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
- The number of shares outstanding for BNP has been reduced compared to 5 years ago.
- Compared to 1 year ago, BNP has a worse debt to assets ratio.
2.2 Solvency
- BNP has a debt to FCF ratio of 8.93. This is a slightly negative value and a sign of low solvency as BNP would need 8.93 years to pay back of all of its debts.
- BNP has a Debt to FCF ratio of 8.93. This is amongst the best in the industry. BNP outperforms 84.91% of its industry peers.
- A Debt/Equity ratio of 2.67 is on the high side and indicates that BNP has dependencies on debt financing.
- The Debt to Equity ratio of BNP (2.67) is worse than 66.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.67 | ||
| Debt/FCF | 8.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.67%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. BNP.DE Growth Analysis
3.1 Past
- The Earnings Per Share has been growing slightly by 1.39% over the past year.
- Measured over the past years, BNP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.23% on average per year.
- BNP shows a small growth in Revenue. In the last year, the Revenue has grown by 3.91%.
- Measured over the past years, BNP shows a quite strong growth in Revenue. The Revenue has been growing by 8.26% on average per year.
EPS 1Y (TTM)1.39%
EPS 3Y12.04%
EPS 5Y15.23%
EPS Q2Q%8.78%
Revenue 1Y (TTM)3.91%
Revenue growth 3Y9.77%
Revenue growth 5Y8.26%
Sales Q2Q%8.04%
3.2 Future
- Based on estimates for the next years, BNP will show a decrease in Earnings Per Share. The EPS will decrease by -0.41% on average per year.
- The Revenue is expected to grow by 4.18% on average over the next years.
EPS Next Y5.2%
EPS Next 2Y7.69%
EPS Next 3Y6.46%
EPS Next 5Y-0.41%
Revenue Next Year6.27%
Revenue Next 2Y5.22%
Revenue Next 3Y4.95%
Revenue Next 5Y4.18%
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 decreasing: in the next years the growth will be less than in the last years.
4. BNP.DE Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 7.87 indicates a rather cheap valuation of BNP.
- 86.79% of the companies in the same industry are more expensive than BNP, based on the Price/Earnings ratio.
- BNP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.29.
- A Price/Forward Earnings ratio of 7.49 indicates a rather cheap valuation of BNP.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of BNP indicates a rather cheap valuation: BNP is cheaper than 93.40% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of BNP to the average of the S&P500 Index (24.57), we can say BNP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.87 | ||
| Fwd PE | 7.49 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BNP is valued cheaply inside the industry as 91.51% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.18 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.51
PEG (5Y)0.52
EPS Next 2Y7.69%
EPS Next 3Y6.46%
5. BNP.DE Dividend Analysis
5.1 Amount
- BNP has a Yearly Dividend Yield of 2.69%.
- Compared to an average industry Dividend Yield of 4.55, BNP is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.82, BNP pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.69% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
- BNP pays out 30.90% of its income as dividend. This is a sustainable payout ratio.
DP30.9%
EPS Next 2Y7.69%
EPS Next 3Y6.46%
BNP.DE Fundamentals: All Metrics, Ratios and Statistics
FRA:BNP (3/6/2026, 7:00:00 PM)
86.38
-0.72 (-0.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05 2026-02-05/bmo
Earnings (Next)N/A N/A
Inst Owners46.33%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap95.16B
Revenue(TTM)102.96B
Net Income(TTM)17.52B
Analysts75.2
Price Target101.8 (17.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.69% |
Yearly Dividend4.86
Dividend Growth(5Y)N/A
DP30.9%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.92%
Min EPS beat(2)3.1%
Max EPS beat(2)20.74%
EPS beat(4)4
Avg EPS beat(4)7.6%
Min EPS beat(4)0.74%
Max EPS beat(4)20.74%
EPS beat(8)7
Avg EPS beat(8)15.67%
EPS beat(12)11
Avg EPS beat(12)22.07%
EPS beat(16)14
Avg EPS beat(16)20.29%
Revenue beat(2)1
Avg Revenue beat(2)-1.18%
Min Revenue beat(2)-2.89%
Max Revenue beat(2)0.54%
Revenue beat(4)1
Avg Revenue beat(4)-0.91%
Min Revenue beat(4)-2.89%
Max Revenue beat(4)0.54%
Revenue beat(8)4
Avg Revenue beat(8)0.12%
Revenue beat(12)5
Avg Revenue beat(12)-0.49%
Revenue beat(16)8
Avg Revenue beat(16)22.85%
PT rev (1m)14.15%
PT rev (3m)17.11%
EPS NQ rev (1m)6.54%
EPS NQ rev (3m)13.65%
EPS NY rev (1m)0%
EPS NY rev (3m)0.98%
Revenue NQ rev (1m)1.83%
Revenue NQ rev (3m)1.83%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)-0.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.87 | ||
| Fwd PE | 7.49 | ||
| P/S | 0.92 | ||
| P/FCF | 2.18 | ||
| P/OCF | 2.04 | ||
| P/B | 0.76 | ||
| P/tB | 0.84 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.97
EY12.7%
EPS(NY)11.54
Fwd EY13.36%
FCF(TTM)39.67
FCFY45.92%
OCF(TTM)42.28
OCFY48.94%
SpS93.46
BVpS113.94
TBVpS103.3
PEG (NY)1.51
PEG (5Y)0.52
Graham Number167.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 13.95% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.01% | ||
| GM | N/A | ||
| FCFM | 42.44% |
ROA(3y)0.4%
ROA(5y)0.38%
ROE(3y)8.65%
ROE(5y)8.26%
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 3Y-2.07%
PM growth 5Y3.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.67 | ||
| Debt/FCF | 8.93 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 35.69% | ||
| Cap/Sales | 2.79% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 249.48% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC5.67%
ROIC/WACCN/A
Cap/Depr(3y)33.52%
Cap/Depr(5y)32.78%
Cap/Sales(3y)3.12%
Cap/Sales(5y)3.17%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.39%
EPS 3Y12.04%
EPS 5Y15.23%
EPS Q2Q%8.78%
EPS Next Y5.2%
EPS Next 2Y7.69%
EPS Next 3Y6.46%
EPS Next 5Y-0.41%
Revenue 1Y (TTM)3.91%
Revenue growth 3Y9.77%
Revenue growth 5Y8.26%
Sales Q2Q%8.04%
Revenue Next Year6.27%
Revenue Next 2Y5.22%
Revenue Next 3Y4.95%
Revenue Next 5Y4.18%
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 1Y143.91%
FCF growth 3YN/A
FCF growth 5Y-20.61%
OCF growth 1Y147.83%
OCF growth 3YN/A
OCF growth 5Y-19.68%
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 7 / 10 to BNP PARIBAS (BNP.DE). This can be considered as Undervalued.
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 7.87 and the Price/Book (PB) ratio is 0.76.
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 grow by 5.2% in the next year.