BNP PARIBAS (BNP.PA)
FR0000131104 - Common Stock
BNP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 89 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.
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.
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.
1.2 Ratios
BNP has a better Return On Assets (0.69%) than 60.23% of its industry peers.
BNP has a Return On Equity of 15.01%. This is amongst the best in the industry. BNP outperforms 89.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 15.01% | ||
| ROIC | N/A |
ROA(3y)0.32%
ROA(5y)0.34%
ROE(3y)7.16%
ROE(5y)7.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of BNP (20.20%) is comparable to the rest of the industry.
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) | 20.2% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.06%
PM growth 5Y2.41%
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.
BNP has about the same amout of shares outstanding than it did 1 year ago.
BNP has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BNP has been reduced compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 1.94 is on the high side and indicates that BNP has dependencies on debt financing.
BNP's Debt to Equity ratio of 1.94 is in line compared to the rest of the industry. BNP outperforms 43.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.94 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.05%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 9.56% over the past year.
The Earnings Per Share has been growing slightly by 4.83% on average over the past years.
The Revenue has decreased by -3.22% in the past year.
Measured over the past years, BNP shows a small growth in Revenue. The Revenue has been growing by 2.54% on average per year.
EPS 1Y (TTM)9.56%
EPS 3Y7.89%
EPS 5Y4.83%
EPS growth Q2Q-3.59%
Revenue 1Y (TTM)-3.22%
Revenue growth 3Y0.41%
Revenue growth 5Y2.54%
Revenue growth Q2Q-11.4%
3.2 Future
BNP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.18% yearly.
The Revenue is expected to grow by 3.07% on average over the next years.
EPS Next Y10.39%
EPS Next 2Y10.57%
EPS Next 3Y10.95%
EPS Next 5Y4.18%
Revenue Next Year-7.19%
Revenue Next 2Y-0.66%
Revenue Next 3Y1.01%
Revenue Next 5Y3.07%
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 stable.
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
The Price/Earnings ratio is 6.83, which indicates a rather cheap valuation of BNP.
BNP's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 24.69, BNP is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.07, the valuation of BNP can be described as very cheap.
BNP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BNP is cheaper than 76.14% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BNP to the average of the S&P500 Index (19.79), we can say BNP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.83 | ||
| Fwd PE | 6.07 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BNP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.66
PEG (5Y)1.41
EPS Next 2Y10.57%
EPS Next 3Y10.95%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.85%, BNP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.58, 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 2.63.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.85% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DP0%
EPS Next 2Y10.57%
EPS Next 3Y10.95%
BNP PARIBAS
EPA:BNP (11/30/2023, 5:29:55 PM)
57.89
+0.97 (+1.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap64.25B
Analysts77.78
Price Target77.84 (34.46%)
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.85% |
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)50.57%
Min EPS beat(2)15.63%
Max EPS beat(2)85.52%
EPS beat(4)3
Avg EPS beat(4)27.79%
Min EPS beat(4)-6.56%
Max EPS beat(4)85.52%
Revenue beat(2)2
Avg Revenue beat(2)103.24%
Min Revenue beat(2)0.17%
Max Revenue beat(2)206.3%
Revenue beat(4)3
Avg Revenue beat(4)91.67%
Min Revenue beat(4)-2.97%
Max Revenue beat(4)206.3%
PT rev (1m)-0.91%
PT rev (3m)0.22%
EPS NQ rev (1m)0.53%
EPS NQ rev (3m)-0.26%
EPS NY rev (1m)0%
EPS NY rev (3m)0.49%
Revenue NQ rev (1m)-1.16%
Revenue NQ rev (3m)-3.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.83 | ||
| Fwd PE | 6.07 | ||
| P/S | 0.7 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.52 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.48
EY14.65%
EPS(NY)9.54
Fwd EY16.47%
FCF(TTM)-59.15
FCFYN/A
OCF(TTM)-56.84
OCFYN/A
SpS82.54
BVpS111.09
TBVpS102.49
PEG (NY)0.66
PEG (5Y)1.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 15.01% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.2% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.32%
ROA(5y)0.34%
ROE(3y)7.16%
ROE(5y)7.15%
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 3Y7.06%
PM growth 5Y2.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.94 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 41.19% | ||
| Cap/Sales | 2.79% | ||
| 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-Score5
WACC5.05%
ROIC/WACCN/A
Cap/Depr(3y)25.19%
Cap/Depr(5y)28.76%
Cap/Sales(3y)2.56%
Cap/Sales(5y)2.75%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
Growth
EPS 1Y (TTM)9.56%
EPS 3Y7.89%
EPS 5Y4.83%
EPS growth Q2Q-3.59%
EPS Next Y10.39%
EPS Next 2Y10.57%
EPS Next 3Y10.95%
EPS Next 5Y4.18%
Revenue 1Y (TTM)-3.22%
Revenue growth 3Y0.41%
Revenue growth 5Y2.54%
Revenue growth Q2Q-11.4%
Revenue Next Year-7.19%
Revenue Next 2Y-0.66%
Revenue Next 3Y1.01%
Revenue Next 5Y3.07%
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-181.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-177.03%
OCF growth 3YN/A
OCF growth 5YN/A