Logo image of BNP.PA

BNP PARIBAS (BNP.PA) Stock Fundamental Analysis

Europe - EPA:BNP - FR0000131104 - Common Stock

75.5 EUR
-2.5 (-3.21%)
Last: 10/6/2025, 7:00:00 PM
Fundamental Rating

3

Taking everything into account, BNP scores 3 out of 10 in our fundamental rating. BNP was compared to 95 industry peers in the Banks industry. BNP may be in some trouble as it scores bad on both profitability and health. BNP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

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.
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.
BNP.PA Yearly Net Income VS EBIT VS OCF VS FCFBNP.PA 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 comparable to the rest of the industry.
With a decent Return On Equity value of 13.03%, BNP is doing good in the industry, outperforming 68.42% 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.PA Yearly ROA, ROE, ROICBNP.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

The Profit Margin of BNP (16.32%) is worse than 71.58% 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 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.PA Yearly Profit, Operating, Gross MarginsBNP.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

More info and screens

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.
The number of shares outstanding for BNP has been reduced compared to 5 years ago.
BNP has a worse debt/assets ratio than last year.
BNP.PA Yearly Shares OutstandingBNP.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
BNP.PA Yearly Total Debt VS Total AssetsBNP.PA 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

BNP has a debt to FCF ratio of 25.38. This is a negative value and a sign of low solvency as BNP would need 25.38 years to pay back of all of its debts.
BNP's Debt to FCF ratio of 25.38 is fine compared to the rest of the industry. BNP outperforms 77.89% 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.
The Debt to Equity ratio of BNP (2.61) is worse than 62.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.61
Debt/FCF 25.38
Altman-Z N/A
ROIC/WACCN/A
WACC5.27%
BNP.PA Yearly LT Debt VS Equity VS FCFBNP.PA 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.PA Yearly Current Assets VS Current LiabilitesBNP.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

More info and screens

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%.
BNP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.03% yearly.
The Revenue has been growing slightly by 3.25% in the past year.
BNP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.92% yearly.
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

The Earnings Per Share is expected to grow by 0.61% on average over the next years.
The Revenue is expected to grow by 4.44% on average over the next years.
EPS Next Y-2.41%
EPS Next 2Y3.72%
EPS Next 3Y5.62%
EPS Next 5Y0.61%
Revenue Next Year6.79%
Revenue Next 2Y6.02%
Revenue Next 3Y5.49%
Revenue Next 5Y4.44%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.PA Yearly Revenue VS EstimatesBNP.PA 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.PA Yearly EPS VS EstimatesBNP.PA 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

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.19, the valuation of BNP can be described as very cheap.
Based on the Price/Earnings ratio, BNP is valued cheaply inside the industry as 88.42% of the companies are valued more expensively.
BNP is valuated cheaply when we compare the Price/Earnings ratio to 27.90, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.59, the valuation of BNP can be described as very cheap.
BNP's Price/Forward Earnings ratio is rather cheap when compared to the industry. BNP is cheaper than 93.68% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BNP to the average of the S&P500 Index (23.36), we can say BNP is valued rather cheaply.
Industry RankSector Rank
PE 7.19
Fwd PE 6.59
BNP.PA Price Earnings VS Forward Price EarningsBNP.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

85.26% 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 5.31
EV/EBITDA N/A
BNP.PA Per share dataBNP.PA 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)0.8
EPS Next 2Y3.72%
EPS Next 3Y5.62%

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

BNP PARIBAS

EPA:BNP (10/6/2025, 7:00:00 PM)

75.5

-2.5 (-3.21%)

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 Cap85.38B
Analysts75.83
Price Target91.54 (21.25%)
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%
PT rev (3m)5.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.32%
EPS NY rev (1m)0.17%
EPS NY rev (3m)2.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.59%
Revenue NY rev (1m)0.33%
Revenue NY rev (3m)0.89%
Valuation
Industry RankSector Rank
PE 7.19
Fwd PE 6.59
P/S 0.85
P/FCF 5.31
P/OCF 4.67
P/B 0.68
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)10.5
EY13.91%
EPS(NY)11.46
Fwd EY15.18%
FCF(TTM)14.21
FCFY18.82%
OCF(TTM)16.17
OCFY21.42%
SpS88.74
BVpS111.15
TBVpS102.5
PEG (NY)N/A
PEG (5Y)0.8
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
WACC5.27%
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 5Y0.61%
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 5Y4.44%
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