BNP PARIBAS (BNP.PA) Fundamental Analysis & Valuation
EPA:BNP • FR0000131104
Current stock price
89.23 EUR
-1.28 (-1.41%)
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
- In the past year BNP was profitable.
- In the past year BNP had a positive 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 Return On Assets (0.63%) which is comparable to the rest of the industry.
- BNP's Return On Equity of 13.95% is fine compared to the rest of the industry. BNP outperforms 71.29% 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 worse Profit Margin (15.93%) than 76.24% of its industry peers.
- 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) | 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.
- Compared to 1 year ago, BNP has less shares outstanding
- BNP has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, BNP has a worse debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of BNP is 8.93, which is on the high side as it means it would take BNP, 8.93 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 8.93, BNP belongs to the top of the industry, outperforming 83.17% of the companies in the same industry.
- BNP has a Debt/Equity ratio of 2.67. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of BNP (2.67) is worse than 68.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.67 | ||
| Debt/FCF | 8.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.65%
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 slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.67%.
- BNP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.23% yearly.
- The Revenue has grown by 17.61% in the past year. This is quite good.
- BNP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.26% yearly.
EPS 1Y (TTM)-8.67%
EPS 3Y12.04%
EPS 5Y15.23%
EPS Q2Q%-45.71%
Revenue 1Y (TTM)17.61%
Revenue growth 3Y9.77%
Revenue growth 5Y8.26%
Sales Q2Q%8.53%
3.2 Future
- Based on estimates for the next years, BNP will show a decrease in Earnings Per Share. The EPS will decrease by -0.46% on average per year.
- Based on estimates for the next years, BNP will show a small growth in Revenue. The Revenue will grow by 4.18% on average per year.
EPS Next Y7.85%
EPS Next 2Y9.14%
EPS Next 3Y9.48%
EPS Next 5Y-0.46%
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 9.09 indicates a reasonable valuation of BNP.
- Based on the Price/Earnings ratio, BNP is valued cheaper than 81.19% of the companies in the same industry.
- When comparing the Price/Earnings ratio of BNP to the average of the S&P500 Index (26.51), we can say BNP is valued rather cheaply.
- BNP is valuated cheaply with a Price/Forward Earnings ratio of 6.83.
- 94.06% 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 21.41. BNP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.09 | ||
| Fwd PE | 6.83 |
4.2 Price Multiples
- BNP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BNP is cheaper than 92.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.25 | ||
| 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)1.16
PEG (5Y)0.6
EPS Next 2Y9.14%
EPS Next 3Y9.48%
5. BNP.PA Dividend Analysis
5.1 Amount
- BNP has a Yearly Dividend Yield of 5.78%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.63, 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 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.78% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
- 30.90% of the earnings are spent on dividend by BNP. This is a low number and sustainable payout ratio.
DP30.9%
EPS Next 2Y9.14%
EPS Next 3Y9.48%
BNP.PA Fundamentals: All Metrics, Ratios and Statistics
EPA:BNP (4/30/2026, 7:00:00 PM)
89.23
-1.28 (-1.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength82.43
Industry Growth90.67
Earnings (Last)04-30 2026-04-30/bmo
Earnings (Next)07-23 2026-07-23
Inst Owners41.16%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap98.30B
Revenue(TTM)86.92B
Net Income(TTM)17.52B
Analysts76
Price Target104.83 (17.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.78% |
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)1.77%
PT rev (3m)17.48%
EPS NQ rev (1m)-4.04%
EPS NQ rev (3m)0.68%
EPS NY rev (1m)0.3%
EPS NY rev (3m)2.52%
Revenue NQ rev (1m)-0.61%
Revenue NQ rev (3m)1.53%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.09 | ||
| Fwd PE | 6.83 | ||
| P/S | 0.89 | ||
| P/FCF | 2.25 | ||
| P/OCF | 2.11 | ||
| P/B | 0.78 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.82
EY11.01%
EPS(NY)13.07
Fwd EY14.64%
FCF(TTM)39.67
FCFY44.45%
OCF(TTM)42.28
OCFY47.38%
SpS99.8
BVpS113.94
TBVpS103.3
PEG (NY)1.16
PEG (5Y)0.6
Graham Number158.664 (77.81%)
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
WACC5.65%
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)-8.67%
EPS 3Y12.04%
EPS 5Y15.23%
EPS Q2Q%-45.71%
EPS Next Y7.85%
EPS Next 2Y9.14%
EPS Next 3Y9.48%
EPS Next 5Y-0.46%
Revenue 1Y (TTM)17.61%
Revenue growth 3Y9.77%
Revenue growth 5Y8.26%
Sales Q2Q%8.53%
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 9.09 and the Price/Book (PB) ratio is 0.78.
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%.