BNP PARIBAS (BNP.PA) Stock Fundamental Analysis
EPA:BNP - Euronext Paris - Matif - FR0000131104 - Common Stock - Currency: EUR
Taking everything into account, BNP scores 4 out of 10 in our fundamental rating. BNP was compared to 91 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. BNP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BNP had positive earnings in the past year.
In the past year BNP had a positive cash flow from operations.
BNP had positive earnings in each of the past 5 years.
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
BNP's Return On Assets of 0.57% is in line compared to the rest of the industry. BNP outperforms 42.86% of its industry peers.
The Return On Equity of BNP (13.03%) is better than 68.13% 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
With a Profit Margin value of 16.32%, BNP is not doing good in the industry: 69.23% of the companies in the same industry are doing better.
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
Compared to 5 years ago, BNP has less shares outstanding
BNP has a worse debt/assets ratio than last year.
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 78.02% 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.
Looking at the Debt to Equity ratio, with a value of 2.61, BNP is doing worse than 65.93% 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
WACC5.22%
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 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.
The Revenue has been growing slightly by 1.92% on average over the past years.
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 0.26% yearly.
Based on estimates for the next years, BNP will show a small growth in Revenue. The Revenue will grow by 4.07% on average per year.
EPS Next Y-4.86%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
EPS Next 5Y0.26%
Revenue Next Year6.31%
Revenue Next 2Y5.91%
Revenue Next 3Y5.5%
Revenue Next 5Y4.07%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.48, the valuation of BNP can be described as very cheap.
Based on the Price/Earnings ratio, BNP is valued cheaper than 85.71% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.24, BNP is valued rather cheaply.
The Price/Forward Earnings ratio is 6.94, which indicates a rather cheap valuation of BNP.
Based on the Price/Forward Earnings ratio, BNP is valued cheaper than 94.51% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.42, BNP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.48 | ||
| Fwd PE | 6.94 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BNP indicates a rather cheap valuation: BNP is cheaper than 81.32% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.83
EPS Next 2Y3.06%
EPS Next 3Y5.01%
5. Dividend
5.1 Amount
BNP has a Yearly Dividend Yield of 5.98%, which is a nice return.
Compared to an average industry Dividend Yield of 5.02, BNP pays a bit more dividend than its industry peers.
BNP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.98% |
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
33.06% of the earnings are spent on dividend by BNP. This is a low number and sustainable payout ratio.
BNP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP33.06%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
EPA:BNP (8/4/2025, 7:00:00 PM)
78.5
+1.97 (+2.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners40.16%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap88.77B
Analysts74.78
Price Target88.44 (12.66%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.98% |
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)1.68%
PT rev (3m)3.79%
EPS NQ rev (1m)1.32%
EPS NQ rev (3m)0.94%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)2.59%
Revenue NQ rev (3m)3.07%
Revenue NY rev (1m)0.44%
Revenue NY rev (3m)0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.48 | ||
| Fwd PE | 6.94 | ||
| P/S | 0.88 | ||
| P/FCF | 5.52 | ||
| P/OCF | 4.85 | ||
| P/B | 0.71 | ||
| P/tB | 0.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.5
EY13.38%
EPS(NY)11.31
Fwd EY14.41%
FCF(TTM)14.21
FCFY18.11%
OCF(TTM)16.17
OCFY20.6%
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
WACC5.22%
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-4.86%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
EPS Next 5Y0.26%
Revenue 1Y (TTM)3.25%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%2.53%
Revenue Next Year6.31%
Revenue Next 2Y5.91%
Revenue Next 3Y5.5%
Revenue Next 5Y4.07%
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