BNP PARIBAS (BNP.PA) Stock Fundamental Analysis
Europe - EPA:BNP - FR0000131104 - Common Stock
65.49 EUR
+0.15 (+0.23%)
Taking everything into account, BNP scores 4 out of 10 in our fundamental rating. BNP was compared to 95 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 had a positive cash flow from operations.
BNP had positive earnings in each of the past 5 years.
In multiple years BNP reported negative operating cash flow during the last 5 years.
1.2 Ratios
BNP has a Return On Assets of 0.57%. This is comparable to the rest of the industry: BNP outperforms 41.05% of its industry peers.
BNP has a better Return On Equity (13.03%) than 62.11% 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
With a Profit Margin value of 16.32%, BNP is not doing good in the industry: 71.58% of the companies in the same industry are doing better.
BNP's Profit Margin has improved in the last couple of years.
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) | 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.
Compared to 1 year ago, BNP has less shares outstanding
BNP has less shares outstanding than it did 5 years ago.
BNP has a worse debt/assets ratio than last year.
2.2 Solvency
BNP has a debt to FCF ratio of 25.38. This is a negative value and a sign of low solvency as BNP would need 25.38 years to pay back of all of its debts.
The Debt to FCF ratio of BNP (25.38) is better than 77.89% of its industry peers.
BNP has a Debt/Equity ratio of 2.61. This is a high value indicating a heavy dependency on external financing.
BNP has a Debt to Equity ratio of 2.61. This is in the lower half of the industry: BNP underperforms 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.61 | ||
| Debt/FCF | 25.38 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.21%
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%.
The Earnings Per Share has been growing by 9.03% on average over the past years. This is quite good.
The Revenue has been growing slightly by 3.58% 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)3.58%
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.
Based on estimates for the next years, BNP will show a small growth in Revenue. The Revenue will grow by 4.44% on average per year.
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
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.03, the valuation of BNP can be described as very cheap.
Based on the Price/Earnings ratio, BNP is valued cheaply inside the industry as 89.47% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 25.83. BNP is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 5.72, which indicates a rather cheap valuation of BNP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BNP indicates a rather cheap valuation: BNP is cheaper than 94.74% 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 (32.68), we can say BNP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.03 | ||
| Fwd PE | 5.72 |
4.2 Price Multiples
BNP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BNP is cheaper than 86.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.55 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.78
EPS Next 2Y3.72%
EPS Next 3Y5.62%
5. Dividend
5.1 Amount
BNP has a Yearly Dividend Yield of 3.90%.
BNP's Dividend Yield is comparable with the industry average which is at 4.84.
BNP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
5.2 History
On average, the dividend of BNP grows each year by 11.07%, which is quite nice.
Dividend Growth(5Y)11.07%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
BNP pays out 33.06% of its income as dividend. This is a 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 (11/7/2025, 7:00:00 PM)
65.49
+0.15 (+0.23%)
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 Cap73.14B
Revenue(TTM)101.08B
Net Income(TTM)16.37B
Analysts75.83
Price Target89.53 (36.71%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
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)-2.2%
PT rev (3m)1.22%
EPS NQ rev (1m)-2%
EPS NQ rev (3m)-2%
EPS NY rev (1m)0%
EPS NY rev (3m)2.58%
Revenue NQ rev (1m)-0.68%
Revenue NQ rev (3m)-0.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.03 | ||
| Fwd PE | 5.72 | ||
| P/S | 0.73 | ||
| P/FCF | 4.55 | ||
| P/OCF | 4 | ||
| P/B | 0.58 | ||
| P/tB | 0.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.31
EY14.22%
EPS(NY)11.46
Fwd EY17.5%
FCF(TTM)14.39
FCFY21.97%
OCF(TTM)16.38
OCFY25%
SpS89.86
BVpS112.54
TBVpS103.79
PEG (NY)N/A
PEG (5Y)0.78
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
WACC5.21%
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)3.58%
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%.