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BNP PARIBAS (BNP.PA) Stock Fundamental Analysis

EPA:BNP - Euronext Paris - Matif - FR0000131104 - Common Stock - Currency: EUR

74.64  -1.93 (-2.52%)

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 has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BNP had positive earnings in the past year.
In the past year BNP has reported a negative 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.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 (0.62%) which is in line with its industry peers.
BNP has a Return On Equity of 13.12%. This is in the better half of the industry: BNP outperforms 69.79% of its industry peers.
Industry RankSector Rank
ROA 0.62%
ROE 13.12%
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

Looking at the Profit Margin, with a value of 16.97%, BNP is doing worse than 65.63% of the companies in the same industry.
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) 16.97%
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

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1

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

A Debt/Equity ratio of 2.19 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 2.19, BNP is in line with its industry, outperforming 44.79% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.24%
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

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4

3. Growth

3.1 Past

BNP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.40%, which is quite good.
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 4.45% 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)13.4%
EPS 3Y13.62%
EPS 5Y9.03%
EPS Q2Q%4.13%
Revenue 1Y (TTM)4.45%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%3.82%

3.2 Future

The Earnings Per Share is expected to grow by 0.62% 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 4.45% yearly.
EPS Next Y-4.86%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
EPS Next 5Y0.62%
Revenue Next Year5.85%
Revenue Next 2Y5.64%
Revenue Next 3Y5.27%
Revenue Next 5Y4.45%

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 accelerating: in the next years the growth will be better than in the last years.
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

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5

4. Valuation

4.1 Price/Earnings Ratio

BNP is valuated cheaply with a Price/Earnings ratio of 6.94.
Based on the Price/Earnings ratio, BNP is valued cheaply inside the industry as 85.42% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.34. BNP is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 6.60, which indicates a rather cheap valuation of BNP.
BNP's Price/Forward Earnings ratio is rather cheap when compared to the industry. BNP is cheaper than 95.83% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, BNP is valued rather cheaply.
Industry RankSector Rank
PE 6.94
Fwd PE 6.6
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BNP.PA Per share dataBNP.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 100

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.77
EPS Next 2Y3.06%
EPS Next 3Y5.01%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.26%, BNP is a good candidate for dividend investing.
BNP's Dividend Yield is a higher than the industry average which is at 5.14.
Compared to an average S&P500 Dividend Yield of 2.40, BNP pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.26%

5.2 History

On average, the dividend of BNP grows each year by 11.52%, which is quite nice.
Dividend Growth(5Y)11.52%
Div Incr Years3
Div Non Decr Years3
BNP.PA Yearly Dividends per shareBNP.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

BNP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
BNP.PA Yearly Income VS Free CF VS DividendBNP.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B -50B 100B

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BNP PARIBAS

EPA:BNP (6/19/2025, 5:36:15 PM)

74.64

-1.93 (-2.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-22 2025-07-22
Inst Owners40.16%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap84.40B
Analysts74.78
Price Target85.91 (15.1%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.26%
Yearly Dividend3.99
Dividend Growth(5Y)11.52%
DP0%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)21.09%
Min EPS beat(2)-0.18%
Max EPS beat(2)42.35%
EPS beat(4)3
Avg EPS beat(4)21.66%
Min EPS beat(4)-0.18%
Max EPS beat(4)42.35%
EPS beat(8)7
Avg EPS beat(8)28.26%
EPS beat(12)10
Avg EPS beat(12)23.83%
EPS beat(16)14
Avg EPS beat(16)21.83%
Revenue beat(2)1
Avg Revenue beat(2)0.59%
Min Revenue beat(2)-1.54%
Max Revenue beat(2)2.73%
Revenue beat(4)3
Avg Revenue beat(4)1.15%
Min Revenue beat(4)-1.54%
Max Revenue beat(4)2.73%
Revenue beat(8)4
Avg Revenue beat(8)-0.28%
Revenue beat(12)7
Avg Revenue beat(12)31.37%
Revenue beat(16)11
Avg Revenue beat(16)46.24%
PT rev (1m)0.46%
PT rev (3m)5.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.34%
EPS NY rev (1m)0%
EPS NY rev (3m)0.33%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.77%
Valuation
Industry RankSector Rank
PE 6.94
Fwd PE 6.6
P/S 0.85
P/FCF N/A
P/OCF N/A
P/B 0.66
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)10.75
EY14.4%
EPS(NY)11.31
Fwd EY15.15%
FCF(TTM)-88
FCFYN/A
OCF(TTM)-86.11
OCFYN/A
SpS87.62
BVpS113.31
TBVpS104.52
PEG (NY)N/A
PEG (5Y)0.77
Profitability
Industry RankSector Rank
ROA 0.62%
ROE 13.12%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.97%
GM N/A
FCFM 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
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-Score2
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.19
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 29.37%
Cap/Sales 2.16%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC5.24%
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)13.4%
EPS 3Y13.62%
EPS 5Y9.03%
EPS Q2Q%4.13%
EPS Next Y-4.86%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
EPS Next 5Y0.62%
Revenue 1Y (TTM)4.45%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%3.82%
Revenue Next Year5.85%
Revenue Next 2Y5.64%
Revenue Next 3Y5.27%
Revenue Next 5Y4.45%
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 1Y-172.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-184.38%
OCF growth 3YN/A
OCF growth 5YN/A