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BNP PARIBAS (BNP.PA) Stock Fundamental Analysis

EPA:BNP - Euronext Paris - Matif - FR0000131104 - Common Stock - Currency: EUR

66.4  -0.65 (-0.97%)

Fundamental Rating

3

Taking everything into account, BNP scores 3 out of 10 in our fundamental rating. BNP was compared to 98 industry peers in the Banks industry. BNP may be in some trouble as it scores bad on both profitability and health. BNP has a decent growth rate and is not valued too expensively. BNP 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 BNP was profitable.
In the past year BNP has reported a negative cash flow from operations.
BNP had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: BNP reported negative operating cash flow in multiple years.
BNP.PA Yearly Net Income VS EBIT VS OCF VS FCFBNP.PA 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%, BNP is doing worse than 63.64% of the companies in the same industry.
BNP's Return On Equity of 12.65% is fine compared to the rest of the industry. BNP outperforms 60.23% 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
BNP.PA Yearly ROA, ROE, ROICBNP.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8

1.3 Margins

The Profit Margin of BNP (15.91%) is worse than 73.86% of its industry peers.
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) 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
BNP.PA Yearly Profit, Operating, Gross MarginsBNP.PA 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

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.
Compared to 5 years ago, BNP has less shares outstanding
BNP has a worse debt/assets ratio than last year.
BNP.PA Yearly Shares OutstandingBNP.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B
BNP.PA Yearly Total Debt VS Total AssetsBNP.PA 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

BNP has a Debt/Equity ratio of 2.05. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.05, BNP perfoms like the industry average, outperforming 46.59% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.05
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.92%
BNP.PA Yearly LT Debt VS Equity VS FCFBNP.PA 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
BNP.PA Yearly Current Assets VS Current LiabilitesBNP.PA 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 13.78% over the past year.
Measured over the past years, BNP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.45% on average per year.
BNP shows a small growth in Revenue. In the last year, the Revenue has grown by 3.25%.
BNP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.54% yearly.
EPS 1Y (TTM)13.78%
EPS 3Y20.12%
EPS 5Y9.45%
EPS Q2Q%16.44%
Revenue 1Y (TTM)3.25%
Revenue growth 3Y6.32%
Revenue growth 5Y3.54%
Sales Q2Q%11.37%

3.2 Future

BNP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.30% yearly.
The Revenue is expected to grow by 4.83% on average over the next years.
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.
BNP.PA Yearly Revenue VS EstimatesBNP.PA 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.PA Yearly EPS VS EstimatesBNP.PA 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

A Price/Earnings ratio of 6.23 indicates a rather cheap valuation of BNP.
Based on the Price/Earnings ratio, BNP is valued cheaply inside the industry as 81.82% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 28.47, BNP is valued rather cheaply.
A Price/Forward Earnings ratio of 6.65 indicates a rather cheap valuation of BNP.
87.50% of the companies in the same industry are more expensive than BNP, based on the Price/Forward Earnings ratio.
BNP is valuated cheaply when we compare the Price/Forward Earnings ratio to 92.74, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.23
Fwd PE 6.65
BNP.PA Price Earnings VS Forward Price EarningsBNP.PA 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
BNP.PA Per share dataBNP.PA 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)1.85
PEG (5Y)0.66
EPS Next 2Y3.27%
EPS Next 3Y6.05%

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7

5. Dividend

5.1 Amount

BNP has a Yearly Dividend Yield of 7.01%, which is a nice return.
Compared to an average industry Dividend Yield of 5.05, BNP pays a better dividend. On top of this BNP pays more dividend than 81.82% of the companies listed in the same industry.
BNP'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

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.PA Yearly Dividends per shareBNP.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 1 2 3 4

5.3 Sustainability

64.31% of the earnings are spent on dividend by BNP. This is not a sustainable payout ratio.
The dividend of BNP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP64.31%
EPS Next 2Y3.27%
EPS Next 3Y6.05%
BNP.PA Yearly Income VS Free CF VS DividendBNP.PA 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
BNP.PA Dividend Payout.BNP.PA Dividend Payout, showing the Payout Ratio.BNP.PA Dividend Payout.PayoutRetained Earnings

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BNP PARIBAS

EPA:BNP (2/5/2025, 5:35:30 PM)

66.4

-0.65 (-0.97%)

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 Cap75.09B
Analysts74.62
Price Target78.17 (17.73%)
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 Years2
Div Non Decr Years2
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)8
Avg Revenue beat(12)44.96%
Revenue beat(16)12
Avg Revenue beat(16)58.5%
PT rev (1m)-0.83%
PT rev (3m)-2.27%
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 6.23
Fwd PE 6.65
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)10.65
EY16.04%
EPS(NY)9.98
Fwd EY15.03%
FCF(TTM)-94.31
FCFYN/A
OCF(TTM)-92.48
OCFYN/A
SpS85.94
BVpS108.05
TBVpS99.23
PEG (NY)1.85
PEG (5Y)0.66
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)13.78%
EPS 3Y20.12%
EPS 5Y9.45%
EPS Q2Q%16.44%
EPS Next Y3.38%
EPS Next 2Y3.27%
EPS Next 3Y6.05%
EPS Next 5Y2.3%
Revenue 1Y (TTM)3.25%
Revenue growth 3Y6.32%
Revenue growth 5Y3.54%
Sales Q2Q%11.37%
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