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BNP PARIBAS (BNP.PA) Stock Fundamental Analysis

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

76.63  +1.43 (+1.9%)

Fundamental Rating

3

Overall BNP gets a fundamental rating of 3 out of 10. We evaluated BNP against 87 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. Finally BNP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BNP had positive earnings in the past year.
BNP had a negative operating cash flow in the past year.
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

Looking at the Return On Assets, with a value of 0.62%, BNP is in line with its industry, outperforming 47.13% of the companies in the same industry.
Looking at the Return On Equity, with a value of 13.12%, BNP is in the better half of the industry, outperforming 71.26% of the companies in the same industry.
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

The Profit Margin of BNP (16.97%) is worse than 66.67% 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) 16.97%
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.
The number of shares outstanding for BNP has been reduced compared to 1 year ago.
Compared to 5 years ago, BNP has less shares outstanding
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

A Debt/Equity ratio of 2.19 is on the high side and indicates that BNP has dependencies on debt financing.
The Debt to Equity ratio of BNP (2.19) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 2.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.11%
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

The Earnings Per Share has grown by an nice 13.40% over the past year.
The Earnings Per Share has been growing by 9.03% on average over the past years. This is quite good.
BNP shows a small growth in Revenue. In the last year, the Revenue has grown by 4.45%.
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 0.26% on average over the next years.
The Revenue is expected to grow by 4.07% on average over the next years.
EPS Next Y-4.86%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
EPS Next 5Y0.26%
Revenue Next Year5.85%
Revenue Next 2Y5.64%
Revenue Next 3Y5.27%
Revenue Next 5Y4.07%

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.
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

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.13, the valuation of BNP can be described as very cheap.
Based on the Price/Earnings ratio, BNP is valued cheaper than 86.21% of the companies in the same industry.
When comparing the Price/Earnings ratio of BNP to the average of the S&P500 Index (27.28), we can say BNP is valued rather cheaply.
A Price/Forward Earnings ratio of 6.77 indicates a rather cheap valuation of BNP.
Based on the Price/Forward Earnings ratio, BNP is valued cheaper than 95.40% of the companies in the same industry.
BNP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.76.
Industry RankSector Rank
PE 7.13
Fwd PE 6.77
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)0.79
EPS Next 2Y3.06%
EPS Next 3Y5.01%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.36%, BNP is a good candidate for dividend investing.
BNP's Dividend Yield is a higher than the industry average which is at 5.13.
BNP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 6.36%

5.2 History

The dividend of BNP is nicely growing with an annual growth rate of 11.07%!
Dividend Growth(5Y)11.07%
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

30.91% of the earnings are spent on dividend by BNP. This is a low number and sustainable payout ratio.
The dividend of BNP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP30.91%
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
BNP.PA Dividend Payout.BNP.PA Dividend Payout, showing the Payout Ratio.BNP.PA Dividend Payout.PayoutRetained Earnings

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BNP PARIBAS

EPA:BNP (7/2/2025, 7:00:00 PM)

76.63

+1.43 (+1.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-24 2025-07-24
Inst Owners40.16%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap86.65B
Analysts74.78
Price Target86.98 (13.51%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.36%
Yearly Dividend4.57
Dividend Growth(5Y)11.07%
DP30.91%
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)1.71%
PT rev (3m)4.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.34%
EPS NY rev (1m)0%
EPS NY rev (3m)0.02%
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 7.13
Fwd PE 6.77
P/S 0.87
P/FCF N/A
P/OCF N/A
P/B 0.68
P/tB 0.73
EV/EBITDA N/A
EPS(TTM)10.75
EY14.03%
EPS(NY)11.31
Fwd EY14.76%
FCF(TTM)-88
FCFYN/A
OCF(TTM)-86.11
OCFYN/A
SpS87.62
BVpS113.31
TBVpS104.52
PEG (NY)N/A
PEG (5Y)0.79
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
WACC5.11%
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 5Y0.26%
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 5Y4.07%
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 1Y-172.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-184.38%
OCF growth 3YN/A
OCF growth 5YN/A