BNP PARIBAS (BNP.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:BNP - FR0000131104 - Common Stock
81.98 EUR
+0.72 (+0.89%)
BNP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 102 industry peers in the Banks industry. Both the profitability and financial health of BNP have multiple concerns. BNP has a correct valuation and a medium growth rate.
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.
In the past 5 years BNP has always 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
Looking at the Return On Assets, with a value of 0.57%, BNP is doing worse than 61.76% 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 61.76% 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
The Profit Margin of BNP (16.32%) is worse than 71.57% 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.
Compared to 1 year ago, BNP has less shares outstanding
BNP has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BNP is higher compared to a year ago.
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's Debt to FCF ratio of 25.38 is fine compared to the rest of the industry. BNP outperforms 69.61% 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.
BNP has a Debt to Equity ratio of 2.61. This is in the lower half of the industry: BNP underperforms 61.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.61 | ||
| Debt/FCF | 25.38 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.69%
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 2.78%.
The Earnings Per Share has been growing by 9.03% on average over the past years. This is quite good.
The Revenue has been growing slightly by 3.58% in the past year.
The Revenue has been growing slightly by 1.92% on average over the past years.
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
BNP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.62% yearly.
The Revenue is expected to grow by 4.44% on average over the next years.
EPS Next Y-4.55%
EPS Next 2Y2.88%
EPS Next 3Y5.2%
EPS Next 5Y0.62%
Revenue Next Year5.96%
Revenue Next 2Y5.75%
Revenue Next 3Y5.22%
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 7.63, which indicates a rather cheap valuation of BNP.
Based on the Price/Earnings ratio, BNP is valued cheaper than 88.24% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.60, BNP is valued rather cheaply.
A Price/Forward Earnings ratio of 7.16 indicates a rather cheap valuation of BNP.
96.08% of the companies in the same industry are more expensive than BNP, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.23. BNP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.63 | ||
| Fwd PE | 7.16 |
4.2 Price Multiples
82.35% of the companies in the same industry are more expensive than BNP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.7 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.85
EPS Next 2Y2.88%
EPS Next 3Y5.2%
5. Dividend
5.1 Amount
BNP has a Yearly Dividend Yield of 3.22%. Purely for dividend investing, there may be better candidates out there.
BNP's Dividend Yield is slightly below the industry average, which is at 4.31.
BNP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.22% |
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.
BNP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP33.06%
EPS Next 2Y2.88%
EPS Next 3Y5.2%
FRA:BNP (1/2/2026, 7:00:00 PM)
81.98
+0.72 (+0.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners46.79%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap91.55B
Revenue(TTM)101.08B
Net Income(TTM)16.37B
Analysts72.5
Price Target86.79 (5.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.22% |
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)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)13.06%
Revenue beat(16)9
Avg Revenue beat(16)33.71%
PT rev (1m)-0.17%
PT rev (3m)-5.09%
EPS NQ rev (1m)-1.68%
EPS NQ rev (3m)-2%
EPS NY rev (1m)0.14%
EPS NY rev (3m)-0.64%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)-0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.63 | ||
| Fwd PE | 7.16 | ||
| P/S | 0.91 | ||
| P/FCF | 5.7 | ||
| P/OCF | 5.01 | ||
| P/B | 0.73 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.74
EY13.1%
EPS(NY)11.45
Fwd EY13.97%
FCF(TTM)14.39
FCFY17.55%
OCF(TTM)16.38
OCFY19.98%
SpS89.86
BVpS112.54
TBVpS103.79
PEG (NY)N/A
PEG (5Y)0.85
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
WACC5.69%
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)2.78%
EPS 3Y14.23%
EPS 5Y9.03%
EPS Q2Q%9.6%
EPS Next Y-4.55%
EPS Next 2Y2.88%
EPS Next 3Y5.2%
EPS Next 5Y0.62%
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 7.63 and the Price/Book (PB) ratio is 0.73.
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 -4.55% in the next year.