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BNP PARIBAS (1BNP.MI) Stock Fundamental Analysis

BIT:1BNP - Borsa Italiana Milan - FR0000131104 - Common Stock - Currency: EUR

66.09  -0.63 (-0.94%)

Fundamental Rating

3

1BNP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 98 industry peers in the Banks industry. 1BNP has a bad profitability rating. Also its financial health evaluation is rather negative. 1BNP has a correct valuation and a medium growth rate. Finally 1BNP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year 1BNP was profitable.
In the past year 1BNP has reported a negative cash flow from operations.
In the past 5 years 1BNP has always been profitable.
In multiple years 1BNP reported negative operating cash flow during the last 5 years.
1BNP.MI Yearly Net Income VS EBIT VS OCF VS FCF1BNP.MI 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 0 50B -50B 100B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.57%, 1BNP is doing worse than 62.50% of the companies in the same industry.
1BNP's Return On Equity of 12.65% is fine compared to the rest of the industry. 1BNP outperforms 61.36% of its industry peers.
Industry RankSector Rank
ROA 0.57%
ROE 12.65%
ROIC N/A
ROA(3y)0.37%
ROA(5y)0.35%
ROE(3y)7.98%
ROE(5y)7.4%
ROIC(3y)N/A
ROIC(5y)N/A
1BNP.MI Yearly ROA, ROE, ROIC1BNP.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8

1.3 Margins

1BNP has a Profit Margin of 15.91%. This is in the lower half of the industry: 1BNP underperforms 72.73% of its industry peers.
1BNP's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for 1BNP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 15.91%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.95%
PM growth 5Y3.87%
GM growth 3YN/A
GM growth 5YN/A
1BNP.MI Yearly Profit, Operating, Gross Margins1BNP.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10

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1

2. Health

2.1 Basic Checks

1BNP does not have a ROIC to compare to the WACC, probably because it is not profitable.
1BNP has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1BNP has less shares outstanding
The debt/assets ratio for 1BNP is higher compared to a year ago.
1BNP.MI Yearly Shares Outstanding1BNP.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B
1BNP.MI Yearly Total Debt VS Total Assets1BNP.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500B 1T 1.5T 2T 2.5T

2.2 Solvency

1BNP has a Debt/Equity ratio of 2.05. This is a high value indicating a heavy dependency on external financing.
1BNP has a Debt to Equity ratio of 2.05. This is comparable to the rest of the industry: 1BNP outperforms 47.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.05
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.92%
1BNP.MI Yearly LT Debt VS Equity VS FCF1BNP.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50B -50B 100B 150B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1BNP.MI Yearly Current Assets VS Current Liabilites1BNP.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 50B 100B 150B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.12% over the past year.
The Earnings Per Share has been growing by 9.45% on average over the past years. This is quite good.
1BNP shows a small growth in Revenue. In the last year, the Revenue has grown by 6.64%.
The Revenue has been growing slightly by 3.54% on average over the past years.
EPS 1Y (TTM)19.12%
EPS 3Y20.12%
EPS 5Y9.45%
EPS Q2Q%4.6%
Revenue 1Y (TTM)6.64%
Revenue growth 3Y6.32%
Revenue growth 5Y3.54%
Sales Q2Q%3.11%

3.2 Future

Based on estimates for the next years, 1BNP will show a small growth in Earnings Per Share. The EPS will grow by 2.30% on average per year.
Based on estimates for the next years, 1BNP will show a small growth in Revenue. The Revenue will grow by 4.83% on average per year.
EPS Next Y3.38%
EPS Next 2Y3.27%
EPS Next 3Y6.05%
EPS Next 5Y2.3%
Revenue Next Year3.85%
Revenue Next 2Y4.2%
Revenue Next 3Y4.65%
Revenue Next 5Y4.83%

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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
1BNP.MI Yearly Revenue VS Estimates1BNP.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B 80B
1BNP.MI Yearly EPS VS Estimates1BNP.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.43, the valuation of 1BNP can be described as very cheap.
Based on the Price/Earnings ratio, 1BNP is valued a bit cheaper than the industry average as 78.41% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 28.47. 1BNP is valued rather cheaply when compared to this.
1BNP is valuated cheaply with a Price/Forward Earnings ratio of 6.62.
Based on the Price/Forward Earnings ratio, 1BNP is valued cheaper than 88.64% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 92.74, 1BNP is valued rather cheaply.
Industry RankSector Rank
PE 6.43
Fwd PE 6.62
1BNP.MI Price Earnings VS Forward Price Earnings1BNP.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1BNP.MI Per share data1BNP.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 100

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.9
PEG (5Y)0.68
EPS Next 2Y3.27%
EPS Next 3Y6.05%

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7

5. Dividend

5.1 Amount

1BNP has a Yearly Dividend Yield of 7.01%, which is a nice return.
Compared to an average industry Dividend Yield of 5.05, 1BNP pays a better dividend. On top of this 1BNP pays more dividend than 82.95% of the companies listed in the same industry.
1BNP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.28.
Industry RankSector Rank
Dividend Yield 7.01%

5.2 History

The dividend of 1BNP is nicely growing with an annual growth rate of 11.52%!
Dividend Growth(5Y)11.52%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

64.31% of the earnings are spent on dividend by 1BNP. This is not a sustainable payout ratio.
1BNP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP64.31%
EPS Next 2Y3.27%
EPS Next 3Y6.05%
1BNP.MI Yearly Income VS Free CF VS Dividend1BNP.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50B -50B 100B
1BNP.MI Dividend Payout.1BNP.MI Dividend Payout, showing the Payout Ratio.1BNP.MI Dividend Payout.PayoutRetained Earnings

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BNP PARIBAS

BIT:1BNP (2/5/2025, 4:44:36 PM)

66.09

-0.63 (-0.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-31 2024-10-31/bmo
Earnings (Next)02-04 2025-02-04/amc
Inst Owners46.11%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap74.74B
Analysts74.62
Price Target76.69 (16.04%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.01%
Yearly Dividend3.99
Dividend Growth(5Y)11.52%
DP64.31%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.22%
Min EPS beat(2)19.18%
Max EPS beat(2)25.27%
EPS beat(4)4
Avg EPS beat(4)20.69%
Min EPS beat(4)12.92%
Max EPS beat(4)25.38%
EPS beat(8)7
Avg EPS beat(8)24.24%
EPS beat(12)11
Avg EPS beat(12)21.51%
EPS beat(16)15
Avg EPS beat(16)22.92%
Revenue beat(2)2
Avg Revenue beat(2)1.7%
Min Revenue beat(2)1.43%
Max Revenue beat(2)1.97%
Revenue beat(4)2
Avg Revenue beat(4)-0.59%
Min Revenue beat(4)-5.48%
Max Revenue beat(4)1.97%
Revenue beat(8)4
Avg Revenue beat(8)19.6%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-2.75%
PT rev (3m)-4.31%
EPS NQ rev (1m)1.23%
EPS NQ rev (3m)1.23%
EPS NY rev (1m)0.43%
EPS NY rev (3m)0.43%
Revenue NQ rev (1m)-0.16%
Revenue NQ rev (3m)-0.16%
Revenue NY rev (1m)-0.58%
Revenue NY rev (3m)-0.58%
Valuation
Industry RankSector Rank
PE 6.43
Fwd PE 6.62
P/S 0.77
P/FCF N/A
P/OCF N/A
P/B 0.61
P/tB 0.67
EV/EBITDA N/A
EPS(TTM)10.28
EY15.55%
EPS(NY)9.98
Fwd EY15.1%
FCF(TTM)-94.31
FCFYN/A
OCF(TTM)-92.48
OCFYN/A
SpS85.94
BVpS108.05
TBVpS99.23
PEG (NY)1.9
PEG (5Y)0.68
Profitability
Industry RankSector Rank
ROA 0.57%
ROE 12.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.91%
GM N/A
FCFM N/A
ROA(3y)0.37%
ROA(5y)0.35%
ROE(3y)7.98%
ROE(5y)7.4%
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 3Y8.95%
PM growth 5Y3.87%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.05
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 30.63%
Cap/Sales 2.13%
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
WACC4.92%
ROIC/WACCN/A
Cap/Depr(3y)32.95%
Cap/Depr(5y)28.75%
Cap/Sales(3y)3.17%
Cap/Sales(5y)2.76%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)19.12%
EPS 3Y20.12%
EPS 5Y9.45%
EPS Q2Q%4.6%
EPS Next Y3.38%
EPS Next 2Y3.27%
EPS Next 3Y6.05%
EPS Next 5Y2.3%
Revenue 1Y (TTM)6.64%
Revenue growth 3Y6.32%
Revenue growth 5Y3.54%
Sales Q2Q%3.11%
Revenue Next Year3.85%
Revenue Next 2Y4.2%
Revenue Next 3Y4.65%
Revenue Next 5Y4.83%
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-251.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-274.56%
OCF growth 3YN/A
OCF growth 5YN/A