BNP PARIBAS (BNP.DE) Stock Fundamental Analysis
FRA:BNP • FR0000131104
89.45 EUR
-3.16 (-3.41%)
Last: Feb 13, 2026, 07:00 PM
Taking everything into account, BNP scores 4 out of 10 in our fundamental rating. BNP was compared to 114 industry peers in the Banks industry. BNP may be in some trouble as it scores bad on both profitability and health. BNP may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
- BNP had positive earnings in the past year.
- BNP had a positive operating cash flow in the past year.
- Each year in the past 5 years BNP has been profitable.
- The reported operating cash flow has been mixed in the past 5 years: BNP reported negative operating cash flow in multiple years.
1.2 Ratios
- BNP has a Return On Assets of 0.63%. This is comparable to the rest of the industry: BNP outperforms 41.23% of its industry peers.
- BNP's Return On Equity of 13.95% is fine compared to the rest of the industry. BNP outperforms 69.30% 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 has a worse Profit Margin (17.09%) than 79.82% of its industry peers.
- In the last couple of years the Profit Margin of BNP has grown nicely.
- 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) | 17.09% | ||
| 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. 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.
- Compared to 5 years ago, BNP has less shares outstanding
- BNP has a worse debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of BNP is 8.93, which is on the high side as it means it would take BNP, 8.93 years of fcf income to pay off all of its debts.
- BNP has a better Debt to FCF ratio (8.93) than 80.70% 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 69.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.67 | ||
| Debt/FCF | 8.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for BNP have decreased strongly by -13.51% in the last year.
- BNP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.63% yearly.
- Looking at the last year, BNP shows a small growth in Revenue. The Revenue has grown by 3.41% in the last year.
- The Revenue has been growing by 8.26% on average over the past years. This is quite good.
EPS 1Y (TTM)-13.51%
EPS 3Y6.26%
EPS 5Y11.63%
EPS Q2Q%-52.72%
Revenue 1Y (TTM)3.41%
Revenue growth 3Y9.77%
Revenue growth 5Y8.26%
Sales Q2Q%6.71%
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 4.12% on average per year.
- The Revenue is expected to grow by 4.07% on average over the next years.
EPS Next Y23.31%
EPS Next 2Y16.6%
EPS Next 3Y12.25%
EPS Next 5Y4.12%
Revenue Next Year5.55%
Revenue Next 2Y4.86%
Revenue Next 3Y4.95%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 9.56, the valuation of BNP can be described as reasonable.
- 77.19% of the companies in the same industry are more expensive than BNP, based on the Price/Earnings ratio.
- BNP is valuated cheaply when we compare the Price/Earnings ratio to 27.97, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 7.75, the valuation of BNP can be described as very cheap.
- Based on the Price/Forward Earnings ratio, BNP is valued cheaply inside the industry as 93.86% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of BNP to the average of the S&P500 Index (27.96), we can say BNP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.56 | ||
| Fwd PE | 7.75 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BNP is valued cheaper than 91.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.29 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- BNP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as BNP's earnings are expected to grow with 12.24% in the coming years.
PEG (NY)0.41
PEG (5Y)0.82
EPS Next 2Y16.6%
EPS Next 3Y12.25%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.82%, BNP has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 4.12, BNP is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.79, BNP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.82% |
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 2Y16.6%
EPS Next 3Y12.25%
FRA:BNP (2/13/2026, 7:00:00 PM)
89.45
-3.16 (-3.41%)
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 Cap99.90B
Revenue(TTM)102.46B
Net Income(TTM)17.52B
Analysts73.33
Price Target93.75 (4.81%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.82% |
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)1
Avg EPS beat(2)-22.21%
Min EPS beat(2)-47.53%
Max EPS beat(2)3.1%
EPS beat(4)3
Avg EPS beat(4)-9.46%
Min EPS beat(4)-47.53%
Max EPS beat(4)5.83%
EPS beat(8)6
Avg EPS beat(8)7.14%
EPS beat(12)10
Avg EPS beat(12)16.38%
EPS beat(16)13
Avg EPS beat(16)16.03%
Revenue beat(2)1
Avg Revenue beat(2)-1.26%
Min Revenue beat(2)-2.89%
Max Revenue beat(2)0.37%
Revenue beat(4)1
Avg Revenue beat(4)-0.95%
Min Revenue beat(4)-2.89%
Max Revenue beat(4)0.37%
Revenue beat(8)4
Avg Revenue beat(8)0.1%
Revenue beat(12)5
Avg Revenue beat(12)-0.5%
Revenue beat(16)8
Avg Revenue beat(16)22.84%
PT rev (1m)8.02%
PT rev (3m)4.68%
EPS NQ rev (1m)1.99%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.76%
EPS NY rev (3m)0.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.56 | ||
| Fwd PE | 7.75 | ||
| P/S | 0.97 | ||
| P/FCF | 2.29 | ||
| P/OCF | 2.15 | ||
| P/B | 0.8 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.36
EY10.46%
EPS(NY)11.54
Fwd EY12.9%
FCF(TTM)39.13
FCFY43.74%
OCF(TTM)41.7
OCFY46.62%
SpS91.75
BVpS112.39
TBVpS101.9
PEG (NY)0.41
PEG (5Y)0.82
Graham Number153.85
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) | 17.09% | ||
| GM | N/A | ||
| FCFM | 42.65% |
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 | 2.81% | ||
| 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
WACC5.85%
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)-13.51%
EPS 3Y6.26%
EPS 5Y11.63%
EPS Q2Q%-52.72%
EPS Next Y23.31%
EPS Next 2Y16.6%
EPS Next 3Y12.25%
EPS Next 5Y4.12%
Revenue 1Y (TTM)3.41%
Revenue growth 3Y9.77%
Revenue growth 5Y8.26%
Sales Q2Q%6.71%
Revenue Next Year5.55%
Revenue Next 2Y4.86%
Revenue Next 3Y4.95%
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 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 9.56 and the Price/Book (PB) ratio is 0.8.
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 23.31% in the next year.