BNP PARIBAS (BNP.PA) Fundamental Analysis & Valuation
EPA:BNP • FR0000131104
Current stock price
94.28 EUR
+3.84 (+4.25%)
Last:
This BNP.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. BNP.PA Profitability Analysis
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.
- In multiple years BNP reported negative operating cash flow during the last 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.63%, BNP is in line with its industry, outperforming 40.91% of the companies in the same industry.
- BNP has a better Return On Equity (13.95%) than 71.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 13.95% | ||
| ROIC | N/A |
ROA(3y)0.4%
ROA(5y)0.38%
ROE(3y)8.65%
ROE(5y)8.26%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- BNP has a Profit Margin of 15.93%. This is in the lower half of the industry: BNP underperforms 76.36% of its industry peers.
- In the last couple of years the Profit Margin of BNP has grown nicely.
- 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) | 15.93% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.07%
PM growth 5Y3.17%
GM growth 3YN/A
GM growth 5YN/A
2. BNP.PA Health Analysis
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
- BNP has a worse debt/assets ratio than last year.
2.2 Solvency
- BNP has a debt to FCF ratio of 8.93. This is a slightly negative value and a sign of low solvency as BNP would need 8.93 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 8.93, BNP is doing good in the industry, outperforming 78.18% of the companies in the same industry.
- A Debt/Equity ratio of 2.67 is on the high side and indicates that BNP has dependencies on debt financing.
- The Debt to Equity ratio of BNP (2.67) is worse than 68.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.67 | ||
| Debt/FCF | 8.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.81%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. BNP.PA Growth Analysis
3.1 Past
- BNP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.39%.
- BNP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.23% yearly.
- BNP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.95%.
- The Revenue has been growing by 8.26% on average over the past years. This is quite good.
EPS 1Y (TTM)1.39%
EPS 3Y12.04%
EPS 5Y15.23%
EPS Q2Q%8.78%
Revenue 1Y (TTM)10.95%
Revenue growth 3Y9.77%
Revenue growth 5Y8.26%
Sales Q2Q%8.04%
3.2 Future
- The Earnings Per Share is expected to grow by 0.05% 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 4.18% yearly.
EPS Next Y7.85%
EPS Next 2Y9.14%
EPS Next 3Y9.48%
EPS Next 5Y0.05%
Revenue Next Year6.68%
Revenue Next 2Y5.47%
Revenue Next 3Y4.97%
Revenue Next 5Y4.18%
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 decreasing.
4. BNP.PA Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 8.59 indicates a reasonable valuation of BNP.
- Based on the Price/Earnings ratio, BNP is valued cheaply inside the industry as 87.27% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 27.87. BNP is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 7.97, the valuation of BNP can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of BNP indicates a rather cheap valuation: BNP is cheaper than 91.82% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of BNP to the average of the S&P500 Index (38.51), we can say BNP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.59 | ||
| Fwd PE | 7.97 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BNP is valued cheaply inside the industry as 90.91% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.38 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.1
PEG (5Y)0.56
EPS Next 2Y9.14%
EPS Next 3Y9.48%
5. BNP.PA Dividend Analysis
5.1 Amount
- BNP has a Yearly Dividend Yield of 5.71%, which is a nice return.
- BNP's Dividend Yield is a higher than the industry average which is at 4.50.
- Compared to an average S&P500 Dividend Yield of 1.81, BNP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.71% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
- BNP pays out 30.90% of its income as dividend. This is a sustainable payout ratio.
DP30.9%
EPS Next 2Y9.14%
EPS Next 3Y9.48%
BNP.PA Fundamentals: All Metrics, Ratios and Statistics
EPA:BNP (4/17/2026, 7:00:00 PM)
94.28
+3.84 (+4.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05 2026-02-05/bmo
Earnings (Next)04-30 2026-04-30
Inst Owners41.16%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap103.86B
Revenue(TTM)109.94B
Net Income(TTM)17.52B
Analysts76
Price Target102.84 (9.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.71% |
Yearly Dividend4.86
Dividend Growth(5Y)N/A
DP30.9%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.92%
Min EPS beat(2)3.1%
Max EPS beat(2)20.74%
EPS beat(4)4
Avg EPS beat(4)7.6%
Min EPS beat(4)0.74%
Max EPS beat(4)20.74%
EPS beat(8)7
Avg EPS beat(8)15.67%
EPS beat(12)11
Avg EPS beat(12)22.07%
EPS beat(16)14
Avg EPS beat(16)20.29%
Revenue beat(2)1
Avg Revenue beat(2)-1.18%
Min Revenue beat(2)-2.89%
Max Revenue beat(2)0.54%
Revenue beat(4)1
Avg Revenue beat(4)-0.91%
Min Revenue beat(4)-2.89%
Max Revenue beat(4)0.54%
Revenue beat(8)4
Avg Revenue beat(8)0.12%
Revenue beat(12)5
Avg Revenue beat(12)-0.49%
Revenue beat(16)8
Avg Revenue beat(16)22.85%
PT rev (1m)0.96%
PT rev (3m)15.25%
EPS NQ rev (1m)-5.58%
EPS NQ rev (3m)2.84%
EPS NY rev (1m)0.3%
EPS NY rev (3m)3.3%
Revenue NQ rev (1m)-0.55%
Revenue NQ rev (3m)1.59%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.59 | ||
| Fwd PE | 7.97 | ||
| P/S | 0.94 | ||
| P/FCF | 2.38 | ||
| P/OCF | 2.23 | ||
| P/B | 0.83 | ||
| P/tB | 0.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.97
EY11.64%
EPS(NY)11.83
Fwd EY12.55%
FCF(TTM)39.67
FCFY42.07%
OCF(TTM)42.28
OCFY44.84%
SpS99.8
BVpS113.94
TBVpS103.3
PEG (NY)1.1
PEG (5Y)0.56
Graham Number167.698 (77.87%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 13.95% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 15.93% | ||
| GM | N/A | ||
| FCFM | 39.75% |
ROA(3y)0.4%
ROA(5y)0.38%
ROE(3y)8.65%
ROE(5y)8.26%
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 3Y-2.07%
PM growth 5Y3.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.67 | ||
| Debt/FCF | 8.93 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 35.69% | ||
| Cap/Sales | 2.62% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 249.48% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC5.81%
ROIC/WACCN/A
Cap/Depr(3y)33.52%
Cap/Depr(5y)32.78%
Cap/Sales(3y)3.12%
Cap/Sales(5y)3.17%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.39%
EPS 3Y12.04%
EPS 5Y15.23%
EPS Q2Q%8.78%
EPS Next Y7.85%
EPS Next 2Y9.14%
EPS Next 3Y9.48%
EPS Next 5Y0.05%
Revenue 1Y (TTM)10.95%
Revenue growth 3Y9.77%
Revenue growth 5Y8.26%
Sales Q2Q%8.04%
Revenue Next Year6.68%
Revenue Next 2Y5.47%
Revenue Next 3Y4.97%
Revenue Next 5Y4.18%
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 1Y143.91%
FCF growth 3YN/A
FCF growth 5Y-20.61%
OCF growth 1Y147.83%
OCF growth 3YN/A
OCF growth 5Y-19.68%
BNP PARIBAS / BNP.PA Fundamental Analysis FAQ
What is the ChartMill fundamental rating of BNP PARIBAS (BNP.PA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BNP.PA.
What is the valuation status of BNP PARIBAS (BNP.PA) stock?
ChartMill assigns a valuation rating of 7 / 10 to BNP PARIBAS (BNP.PA). This can be considered as Undervalued.
Can you provide the profitability details for BNP PARIBAS?
BNP PARIBAS (BNP.PA) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for BNP stock?
The Price/Earnings (PE) ratio for BNP PARIBAS (BNP.PA) is 8.59 and the Price/Book (PB) ratio is 0.83.
How sustainable is the dividend of BNP PARIBAS (BNP.PA) stock?
The dividend rating of BNP PARIBAS (BNP.PA) is 6 / 10 and the dividend payout ratio is 30.9%.