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BNP PARIBAS (BNP.DE) Stock Fundamental Analysis

Europe - FRA:BNP - FR0000131104 - Common Stock

78.63 EUR
-0.94 (-1.18%)
Last: 9/22/2025, 7:00:00 PM
Fundamental Rating

3

Overall BNP gets a fundamental rating of 3 out of 10. We evaluated BNP against 96 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.


Dividend Valuation Growth Profitability Health

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3

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B -50B 100B

1.2 Ratios

BNP has a Return On Assets (0.57%) which is in line with its industry peers.
With a decent Return On Equity value of 13.03%, BNP is doing good in the industry, outperforming 68.75% 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
BNP.DE Yearly ROA, ROE, ROICBNP.DE 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%, BNP is not doing good in the industry: 67.71% of the companies in the same industry are doing better.
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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

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2

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
The debt/assets ratio for BNP is higher compared to a year ago.
BNP.DE Yearly Shares OutstandingBNP.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T 2.5T

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.
The Debt to FCF ratio of BNP (25.38) is better than 75.00% 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.
BNP's Debt to Equity ratio of 2.61 is on the low side compared to the rest of the industry. BNP is outperformed by 61.46% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.61
Debt/FCF 25.38
Altman-Z N/A
ROIC/WACCN/A
WACC5.22%
BNP.DE Yearly LT Debt VS Equity VS FCFBNP.DE 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
BNP.DE Yearly Current Assets VS Current LiabilitesBNP.DE 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

BNP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.24%.
Measured over the past years, BNP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.03% on average per year.
The Revenue has been growing slightly by 3.25% 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)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

BNP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.70% yearly.
Based on estimates for the next years, BNP will show a small growth in Revenue. The Revenue will grow by 4.53% on average per year.
EPS Next Y-2.41%
EPS Next 2Y3.72%
EPS Next 3Y5.62%
EPS Next 5Y0.7%
Revenue Next Year6.79%
Revenue Next 2Y6.02%
Revenue Next 3Y5.49%
Revenue Next 5Y4.53%

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.
BNP.DE Yearly Revenue VS EstimatesBNP.DE 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
BNP.DE Yearly EPS VS EstimatesBNP.DE 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 7.49, which indicates a rather cheap valuation of BNP.
Based on the Price/Earnings ratio, BNP is valued cheaper than 87.50% 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 27.41.
A Price/Forward Earnings ratio of 6.86 indicates a rather cheap valuation of BNP.
Based on the Price/Forward Earnings ratio, BNP is valued cheaply inside the industry as 95.83% of the companies are valued more expensively.
BNP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.49
Fwd PE 6.86
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

83.33% 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 5.53
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)0.83
EPS Next 2Y3.72%
EPS Next 3Y5.62%

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0

5. Dividend

5.1 Amount

No dividends for BNP!.
Industry RankSector Rank
Dividend Yield N/A

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BNP PARIBAS

FRA:BNP (9/22/2025, 7:00:00 PM)

78.63

-0.94 (-1.18%)

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 Owners46.72%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap88.92B
Analysts75.83
Price Target91.44 (16.29%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)0.31%
PT rev (3m)6.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.94%
EPS NY rev (1m)0.17%
EPS NY rev (3m)2.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.07%
Revenue NY rev (1m)0.33%
Revenue NY rev (3m)0.89%
Valuation
Industry RankSector Rank
PE 7.49
Fwd PE 6.86
P/S 0.89
P/FCF 5.53
P/OCF 4.86
P/B 0.71
P/tB 0.77
EV/EBITDA N/A
EPS(TTM)10.5
EY13.35%
EPS(NY)11.46
Fwd EY14.57%
FCF(TTM)14.21
FCFY18.08%
OCF(TTM)16.17
OCFY20.57%
SpS88.74
BVpS111.15
TBVpS102.5
PEG (NY)N/A
PEG (5Y)0.83
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
WACC5.22%
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-2.41%
EPS Next 2Y3.72%
EPS Next 3Y5.62%
EPS Next 5Y0.7%
Revenue 1Y (TTM)3.25%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%2.53%
Revenue Next Year6.79%
Revenue Next 2Y6.02%
Revenue Next 3Y5.49%
Revenue Next 5Y4.53%
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