BNP PARIBAS (BNP.PA) Stock Fundamental Analysis
Europe - EPA:BNP - FR0000131104 - Common Stock
66.94 EUR
+0.2 (+0.3%)
Overall BNP gets a fundamental rating of 4 out of 10. We evaluated BNP against 97 industry peers in the Banks industry. BNP has a bad profitability rating. Also its financial health evaluation is rather negative. BNP has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
BNP had positive earnings in the past year.
BNP had a positive operating cash flow in the past year.
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 has a Return On Assets (0.57%) which is comparable to the rest of the industry.
BNP has a better Return On Equity (13.03%) than 65.98% 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
Looking at the Profit Margin, with a value of 16.32%, BNP is doing worse than 71.13% 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 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.
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.
BNP has a worse debt/assets ratio than last year.
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 76.29% 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.
BNP's Debt to Equity ratio of 2.61 is on the low side compared to the rest of the industry. BNP is outperformed by 60.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.61 | ||
| Debt/FCF | 25.38 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.32%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BNP shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.41%.
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 5.25% in the past year.
BNP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.92% yearly.
EPS 1Y (TTM)-9.41%
EPS 3Y13.62%
EPS 5Y9.03%
EPS Q2Q%-47.5%
Revenue 1Y (TTM)5.25%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%5.56%
3.2 Future
Based on estimates for the next years, BNP will show a small growth in Earnings Per Share. The EPS will grow by 0.61% on average per year.
BNP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.44% yearly.
EPS Next Y-2.41%
EPS Next 2Y3.72%
EPS Next 3Y5.62%
EPS Next 5Y0.61%
Revenue Next Year6.79%
Revenue Next 2Y6.02%
Revenue Next 3Y5.49%
Revenue Next 5Y4.44%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.19 indicates a rather cheap valuation of BNP.
BNP's Price/Earnings ratio is rather cheap when compared to the industry. BNP is cheaper than 87.63% of the companies in the same industry.
BNP is valuated cheaply when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 5.84 indicates a rather cheap valuation of BNP.
95.88% of the companies in the same industry are more expensive than BNP, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.63. BNP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.19 | ||
| Fwd PE | 5.84 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BNP is valued cheaply inside the industry as 85.57% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.65 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.8
EPS Next 2Y3.72%
EPS Next 3Y5.62%
5. Dividend
5.1 Amount
BNP has a Yearly Dividend Yield of 3.77%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.83, BNP has a dividend in line with its industry peers.
BNP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.77% |
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
5.3 Sustainability
33.06% 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.
DP33.06%
EPS Next 2Y3.72%
EPS Next 3Y5.62%
EPA:BNP (10/29/2025, 7:00:00 PM)
66.94
+0.2 (+0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners46.72%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap74.76B
Revenue(TTM)73.91B
Net Income(TTM)16.37B
Analysts75.83
Price Target91.54 (36.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.77% |
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)0%
PT rev (3m)3.5%
EPS NQ rev (1m)-0.33%
EPS NQ rev (3m)-0.3%
EPS NY rev (1m)0%
EPS NY rev (3m)2.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.75%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.19 | ||
| Fwd PE | 5.84 | ||
| P/S | 0.74 | ||
| P/FCF | 4.65 | ||
| P/OCF | 4.09 | ||
| P/B | 0.59 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.31
EY13.91%
EPS(NY)11.46
Fwd EY17.12%
FCF(TTM)14.39
FCFY21.5%
OCF(TTM)16.38
OCFY24.46%
SpS89.86
BVpS112.54
TBVpS103.79
PEG (NY)N/A
PEG (5Y)0.8
Graham Number153.54
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
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 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
WACC5.32%
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)-9.41%
EPS 3Y13.62%
EPS 5Y9.03%
EPS Q2Q%-47.5%
EPS Next Y-2.41%
EPS Next 2Y3.72%
EPS Next 3Y5.62%
EPS Next 5Y0.61%
Revenue 1Y (TTM)5.25%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%5.56%
Revenue Next Year6.79%
Revenue Next 2Y6.02%
Revenue Next 3Y5.49%
Revenue Next 5Y4.44%
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 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 for BNP stock?
ChartMill assigns a valuation rating of 6 / 10 to BNP PARIBAS (BNP.PA). This can be considered as Fairly Valued.
How profitable is BNP PARIBAS (BNP.PA) stock?
BNP PARIBAS (BNP.PA) has a profitability rating of 3 / 10.
How financially healthy is BNP PARIBAS?
The financial health rating of BNP PARIBAS (BNP.PA) is 2 / 10.
Is the dividend of BNP PARIBAS sustainable?
The dividend rating of BNP PARIBAS (BNP.PA) is 6 / 10 and the dividend payout ratio is 33.06%.