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BNP PARIBAS (BNP.DE) Stock Fundamental Analysis

FRA:BNP - Deutsche Boerse Ag - FR0000131104 - Common Stock - Currency: EUR

73.87  +2.23 (+3.11%)

Fundamental Rating

3

Overall BNP gets a fundamental rating of 3 out of 10. We evaluated BNP against 95 industry peers in the Banks industry. BNP has a bad profitability rating. Also its financial health evaluation is rather negative. BNP is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
In the past 5 years BNP has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: BNP reported negative operating cash flow in multiple years.
BNP.DE Yearly Net Income VS EBIT VS OCF VS FCFBNP.DE 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 2024 0 50B -50B 100B

1.2 Ratios

BNP's Return On Assets of 0.62% is in line compared to the rest of the industry. BNP outperforms 50.53% of its industry peers.
With a decent Return On Equity value of 13.12%, BNP is doing good in the industry, outperforming 68.42% of the companies in the same industry.
Industry RankSector Rank
ROA 0.62%
ROE 13.12%
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
BNP.DE Yearly ROA, ROE, ROICBNP.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

With a Profit Margin value of 16.97%, BNP is not doing good in the industry: 64.21% 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 RankSector Rank
OM N/A
PM (TTM) 16.97%
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
BNP.DE Yearly Profit, Operating, Gross MarginsBNP.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

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1

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.
The number of shares outstanding for BNP has been reduced compared to 5 years ago.
The debt/assets ratio for BNP is higher compared to a year ago.
BNP.DE Yearly Shares OutstandingBNP.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
BNP.DE Yearly Total Debt VS Total AssetsBNP.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T 2.5T

2.2 Solvency

BNP has a Debt/Equity ratio of 2.19. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.19, BNP is in line with its industry, outperforming 44.21% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.22%
BNP.DE Yearly LT Debt VS Equity VS FCFBNP.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100B 200B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BNP.DE Yearly Current Assets VS Current LiabilitesBNP.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 13.78% over the past year.
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 4.90% in the past year.
The Revenue has been growing slightly by 1.92% on average over the past years.
EPS 1Y (TTM)13.78%
EPS 3Y13.62%
EPS 5Y9.03%
EPS Q2Q%16.44%
Revenue 1Y (TTM)4.9%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%11.37%

3.2 Future

The Earnings Per Share is expected to decrease by -0.39% on average over the next years.
BNP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.95% yearly.
EPS Next Y-4.86%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
EPS Next 5Y-0.39%
Revenue Next Year5.04%
Revenue Next 2Y5.38%
Revenue Next 3Y5.19%
Revenue Next 5Y2.95%

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.
BNP.DE Yearly Revenue VS EstimatesBNP.DE 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
BNP.DE Yearly EPS VS EstimatesBNP.DE 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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5

4. Valuation

4.1 Price/Earnings Ratio

BNP is valuated cheaply with a Price/Earnings ratio of 6.94.
80.00% of the companies in the same industry are more expensive than BNP, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BNP to the average of the S&P500 Index (28.64), we can say BNP is valued rather cheaply.
A Price/Forward Earnings ratio of 7.29 indicates a rather cheap valuation of BNP.
89.47% 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 21.44. BNP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.94
Fwd PE 7.29
BNP.DE Price Earnings VS Forward Price EarningsBNP.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

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

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.77
EPS Next 2Y3.06%
EPS Next 3Y5.01%

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6

5. Dividend

5.1 Amount

BNP has a Yearly Dividend Yield of 6.77%, which is a nice return.
BNP's Dividend Yield is a higher than the industry average which is at 5.47.
Compared to an average S&P500 Dividend Yield of 2.52, BNP pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.77%

5.2 History

On average, the dividend of BNP grows each year by 11.52%, which is quite nice.
Dividend Growth(5Y)11.52%
Div Incr Years2
Div Non Decr Years2
BNP.DE Yearly Dividends per shareBNP.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

DP0%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
BNP.DE Yearly Income VS Free CF VS DividendBNP.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B -50B 100B

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BNP PARIBAS

FRA:BNP (4/23/2025, 7:00:00 PM)

73.87

+2.23 (+3.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04 2025-02-04/bmo
Earnings (Next)04-24 2025-04-24
Inst Owners44.4%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap83.53B
Analysts76
Price Target85.12 (15.23%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.77%
Yearly Dividend3.99
Dividend Growth(5Y)11.52%
DP0%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)21.09%
Min EPS beat(2)-0.18%
Max EPS beat(2)42.35%
EPS beat(4)3
Avg EPS beat(4)21.66%
Min EPS beat(4)-0.18%
Max EPS beat(4)42.35%
EPS beat(8)7
Avg EPS beat(8)28.26%
EPS beat(12)10
Avg EPS beat(12)23.83%
EPS beat(16)14
Avg EPS beat(16)21.83%
Revenue beat(2)1
Avg Revenue beat(2)0.59%
Min Revenue beat(2)-1.54%
Max Revenue beat(2)2.73%
Revenue beat(4)3
Avg Revenue beat(4)1.15%
Min Revenue beat(4)-1.54%
Max Revenue beat(4)2.73%
Revenue beat(8)4
Avg Revenue beat(8)-0.28%
Revenue beat(12)7
Avg Revenue beat(12)31.37%
Revenue beat(16)11
Avg Revenue beat(16)46.24%
PT rev (1m)4.75%
PT rev (3m)8%
EPS NQ rev (1m)2.34%
EPS NQ rev (3m)-0.54%
EPS NY rev (1m)0.33%
EPS NY rev (3m)-1.01%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)-0.98%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.11%
Valuation
Industry RankSector Rank
PE 6.94
Fwd PE 7.29
P/S 0.84
P/FCF N/A
P/OCF N/A
P/B 0.65
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)10.65
EY14.42%
EPS(NY)10.13
Fwd EY13.72%
FCF(TTM)-88
FCFYN/A
OCF(TTM)-86.11
OCFYN/A
SpS87.62
BVpS113.31
TBVpS104.52
PEG (NY)N/A
PEG (5Y)0.77
Profitability
Industry RankSector Rank
ROA 0.62%
ROE 13.12%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.97%
GM N/A
FCFM 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
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 3Y0.85%
PM growth 5Y4.94%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.19
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 29.37%
Cap/Sales 2.16%
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
WACC5.22%
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)13.78%
EPS 3Y13.62%
EPS 5Y9.03%
EPS Q2Q%16.44%
EPS Next Y-4.86%
EPS Next 2Y3.06%
EPS Next 3Y5.01%
EPS Next 5Y-0.39%
Revenue 1Y (TTM)4.9%
Revenue growth 3Y5.31%
Revenue growth 5Y1.92%
Sales Q2Q%11.37%
Revenue Next Year5.04%
Revenue Next 2Y5.38%
Revenue Next 3Y5.19%
Revenue Next 5Y2.95%
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-172.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-184.38%
OCF growth 3YN/A
OCF growth 5YN/A