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BNP PARIBAS (BNP.PA) Stock Fundamental Analysis

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

72.23  -1.59 (-2.15%)

Fundamental Rating

3

Taking everything into account, BNP scores 3 out of 10 in our fundamental rating. BNP was compared to 95 industry peers in the Banks industry. BNP may be in some trouble as it scores bad on both profitability and health. 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.
Each year in the past 5 years BNP has 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

Looking at the Return On Assets, with a value of 0.62%, BNP is in line with its industry, outperforming 51.58% of the companies in the same industry.
BNP's Return On Equity of 13.12% is fine compared to the rest of the industry. BNP outperforms 69.47% of its industry peers.
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.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

The Profit Margin of BNP (16.97%) is worse than 63.16% of its industry peers.
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) 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.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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1

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
Compared to 5 years ago, BNP has less shares outstanding
Compared to 1 year ago, BNP has a worse 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 2.19. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of BNP (2.19) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 2.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.22%
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

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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4

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.
The Revenue has been growing slightly by 4.90% in the past year.
Measured over the past years, BNP shows a small growth in Revenue. The Revenue has been growing by 1.92% on average per year.
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

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.
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

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.
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

BNP is valuated cheaply with a Price/Earnings ratio of 6.78.
Based on the Price/Earnings ratio, BNP is valued cheaper than 81.05% of the companies in the same industry.
BNP is valuated cheaply when we compare the Price/Earnings ratio to 28.64, which is the current average of the S&P500 Index.
BNP is valuated cheaply with a Price/Forward Earnings ratio of 7.13.
BNP's Price/Forward Earnings ratio is rather cheap when compared to the industry. BNP is cheaper than 90.53% of the companies in the same industry.
BNP is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.78
Fwd PE 7.13
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)0.75
EPS Next 2Y3.06%
EPS Next 3Y5.01%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.77%, BNP is a good candidate for dividend investing.
BNP's Dividend Yield is a higher than the industry average which is at 5.47.
BNP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.52.
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.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 2Y3.06%
EPS Next 3Y5.01%
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 (4/24/2025, 5:36:15 PM)

72.23

-1.59 (-2.15%)

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 Cap81.68B
Analysts76
Price Target85.03 (17.72%)
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)4.63%
PT rev (3m)7.87%
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 6.78
Fwd PE 7.13
P/S 0.82
P/FCF N/A
P/OCF N/A
P/B 0.64
P/tB 0.69
EV/EBITDA N/A
EPS(TTM)10.65
EY14.74%
EPS(NY)10.13
Fwd EY14.03%
FCF(TTM)-88
FCFYN/A
OCF(TTM)-86.11
OCFYN/A
SpS87.62
BVpS113.31
TBVpS104.52
PEG (NY)N/A
PEG (5Y)0.75
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