BNP Fundamental Analysis - BNP PARIBAS

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to BNP. BNP was compared to 89 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. Finally BNP also has an excellent dividend rating.

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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.

1.2 Ratios

BNP has a Return On Assets (0.57%) which is comparable to the rest of the industry.

BNP's Return On Equity of 13.03% is fine compared to the rest of the industry. BNP outperforms 69.66% 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

BNP has a Profit Margin of 16.32%. This is in the lower half of the industry: BNP underperforms 67.42% 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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BNP does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for BNP has been reduced compared to 1 year ago.

BNP has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, BNP has a worse debt to assets ratio.

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.

Looking at the Debt to FCF ratio, with a value of 25.38, BNP is in the better half of the industry, outperforming 75.28% of the companies in the same industry.

A Debt/Equity ratio of 2.61 is on the high side and indicates that BNP has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 2.61, BNP is doing worse than 61.80% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.61
Debt/FCF	25.38
Altman-Z	N/A

ROIC/WACCN/A

WACC5.2%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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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.

Looking at the last year, BNP shows a small growth in Revenue. The Revenue has grown by 3.25% in the last 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

The Earnings Per Share is expected to grow by 0.70% on average over the next years.

BNP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.53% yearly.

EPS Next Y-2.57%

EPS Next 2Y3.64%

EPS Next 3Y5.55%

EPS Next 5Y0.7%

Revenue Next Year6.44%

Revenue Next 2Y5.92%

Revenue Next 3Y5.43%

Revenue Next 5Y4.53%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.51, the valuation of BNP can be described as very cheap.

Based on the Price/Earnings ratio, BNP is valued cheaply inside the industry as 87.64% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 27.03, BNP is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 6.90, 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 95.51% of the companies are valued more expensively.

BNP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.54.

		Industry Rank	Sector Rank
PE	7.51
Fwd PE	6.9

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BNP is valued cheaply inside the industry as 83.15% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	5.55
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.83

EPS Next 2Y3.64%

EPS Next 3Y5.55%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.18%, BNP is a good candidate for dividend investing.

BNP's Dividend Yield is a higher than the industry average which is at 5.09.

BNP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.

		Industry Rank	Sector Rank
Dividend Yield	6.18%

5.2 History

On average, the dividend of BNP grows each year by 11.07%, which is quite nice.

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 2Y3.64%

EPS Next 3Y5.55%

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BNP PARIBAS

EPA:BNP (9/11/2025, 9:43:56 AM)

78.9

+0.74 (+0.95%)

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 Owners40.16%

Inst Owner ChangeN/A

Ins Owners0.03%

Ins Owner ChangeN/A

Market Cap89.22B

Analysts75.83

Price Target91.54 (16.02%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.18%

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)3.5%

PT rev (3m)6.56%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0.94%

EPS NY rev (1m)2.41%

EPS NY rev (3m)2.41%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.07%

Revenue NY rev (1m)0.12%

Revenue NY rev (3m)0.56%

Valuation

		Industry Rank	Sector Rank
PE	7.51
Fwd PE	6.9
P/S	0.89
P/FCF	5.55
P/OCF	4.88
P/B	0.71
P/tB	0.77
EV/EBITDA	N/A

EPS(TTM)10.5

EY13.31%

EPS(NY)11.44

Fwd EY14.5%

FCF(TTM)14.21

FCFY18.01%

OCF(TTM)16.17

OCFY20.5%

SpS88.74

BVpS111.15

TBVpS102.5

PEG (NY)N/A

PEG (5Y)0.83

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

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 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

WACC5.2%

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-2.57%

EPS Next 2Y3.64%

EPS Next 3Y5.55%

EPS Next 5Y0.7%

Revenue 1Y (TTM)3.25%

Revenue growth 3Y5.31%

Revenue growth 5Y1.92%

Sales Q2Q%2.53%

Revenue Next Year6.44%

Revenue Next 2Y5.92%

Revenue Next 3Y5.43%

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

BNP PARIBAS (BNP.PA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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