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BNP PARIBAS (BNP.PA) Stock Fundamental Analysis

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

76.57  -0.6 (-0.78%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BNP. BNP was compared to 93 industry peers in the Banks industry. BNP has a bad profitability rating. Also its financial health evaluation is rather negative. BNP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BNP had positive earnings in the past year.
BNP had a negative operating cash flow in the past year.
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.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 2024 0 50B -50B 100B

1.2 Ratios

With a Return On Assets value of 0.86%, BNP perfoms like the industry average, outperforming 56.99% of the companies in the same industry.
Looking at the Return On Equity, with a value of 18.19%, BNP belongs to the top of the industry, outperforming 89.25% of the companies in the same industry.
Industry RankSector Rank
ROA 0.86%
ROE 18.19%
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.PA Yearly ROA, ROE, ROICBNP.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

Looking at the Profit Margin, with a value of 17.25%, BNP is doing worse than 62.37% of the companies in the same industry.
BNP's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BNP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 17.25%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.35%
PM growth 5Y5.26%
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 2024 5 10

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2

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.
Compared to 1 year ago, BNP has an improved debt to assets ratio.
BNP.PA Yearly Shares OutstandingBNP.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 500B 1T 1.5T 2T 2.5T

2.2 Solvency

BNP has a Debt/Equity ratio of 2.61. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of BNP (2.61) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 2.61
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.03%
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 2024 0 100B 200B 300B

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 2024 50B 100B 150B

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5

3. Growth

3.1 Past

BNP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.78%, which is quite good.
The Earnings Per Share has been growing by 9.03% on average over the past years. This is quite good.
Looking at the last year, BNP shows a very strong growth in Revenue. The Revenue has grown by 43.09%.
BNP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.62% yearly.
EPS 1Y (TTM)13.78%
EPS 3Y13.62%
EPS 5Y9.03%
EPS Q2Q%16.44%
Revenue 1Y (TTM)43.09%
Revenue growth 3Y4.78%
Revenue growth 5Y1.62%
Sales Q2Q%11.37%

3.2 Future

Based on estimates for the next years, BNP will show a decrease in Earnings Per Share. The EPS will decrease by -0.39% on average per year.
Based on estimates for the next years, BNP will show a small growth in Revenue. The Revenue will grow by 5.08% on average per year.
EPS Next Y-5.17%
EPS Next 2Y3.22%
EPS Next 3Y4.89%
EPS Next 5Y-0.39%
Revenue Next Year5.04%
Revenue Next 2Y5.38%
Revenue Next 3Y5.19%
Revenue Next 5Y5.08%

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.
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.
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

With a Price/Earnings ratio of 7.19, the valuation of BNP can be described as very cheap.
Based on the Price/Earnings ratio, BNP is valued cheaper than 84.95% of the companies in the same industry.
BNP is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.58, which indicates a rather cheap valuation of BNP.
BNP's Price/Forward Earnings ratio is rather cheap when compared to the industry. BNP is cheaper than 93.55% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BNP to the average of the S&P500 Index (22.10), we can say BNP is valued rather cheaply.
Industry RankSector Rank
PE 7.19
Fwd PE 7.58
BNP.PA Price Earnings VS Forward Price EarningsBNP.PA 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.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

PEG (NY)N/A
PEG (5Y)0.8
EPS Next 2Y3.22%
EPS Next 3Y4.89%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.21%, BNP is a good candidate for dividend investing.
BNP's Dividend Yield is a higher than the industry average which is at 5.02.
Compared to an average S&P500 Dividend Yield of 2.33, BNP pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.21%

5.2 History

The dividend of BNP is nicely growing with an annual growth rate of 11.52%!
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 2025 1 2 3 4

5.3 Sustainability

DP0%
EPS Next 2Y3.22%
EPS Next 3Y4.89%
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 2024 0 50B -50B 100B

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BNP PARIBAS

EPA:BNP (3/7/2025, 7:00:00 PM)

76.57

-0.6 (-0.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04 2025-02-04/bmo
Earnings (Next)N/A N/A
Inst Owners44.4%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap86.59B
Analysts76
Price Target81.27 (6.14%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.21%
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)3.96%
PT rev (3m)2.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.81%
EPS NY rev (1m)1.17%
EPS NY rev (3m)-1.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.25%
Revenue NY rev (1m)0.45%
Revenue NY rev (3m)-0.51%
Valuation
Industry RankSector Rank
PE 7.19
Fwd PE 7.58
P/S 0.64
P/FCF N/A
P/OCF N/A
P/B 0.68
P/tB 0.73
EV/EBITDA N/A
EPS(TTM)10.65
EY13.91%
EPS(NY)10.1
Fwd EY13.19%
FCF(TTM)-88
FCFYN/A
OCF(TTM)-86.11
OCFYN/A
SpS119.52
BVpS113.31
TBVpS104.52
PEG (NY)N/A
PEG (5Y)0.8
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 18.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.25%
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 3Y1.35%
PM growth 5Y5.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 2.61
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 29.37%
Cap/Sales 1.58%
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-Score3
WACC5.03%
ROIC/WACCN/A
Cap/Depr(3y)34.56%
Cap/Depr(5y)28.09%
Cap/Sales(3y)3.27%
Cap/Sales(5y)2.75%
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-5.17%
EPS Next 2Y3.22%
EPS Next 3Y4.89%
EPS Next 5Y-0.39%
Revenue 1Y (TTM)43.09%
Revenue growth 3Y4.78%
Revenue growth 5Y1.62%
Sales Q2Q%11.37%
Revenue Next Year5.04%
Revenue Next 2Y5.38%
Revenue Next 3Y5.19%
Revenue Next 5Y5.08%
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