BNP Stock Analysis: | PA
Banks - Regional | PA, France | Market Cap: 117.629m EUR | 12M Return: 48% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 167M
EPS Trend: 80.5%
Qual. Beats: 0
Rev. Trend: 89.3%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
BNP Paribas SA is a French universal bank offering banking and financial services across Europe, the Middle East, Africa, the Americas, and Asia Pacific. It operates through three divisions: Corporate & Institutional Banking (capital markets, financing, transaction banking, custody, and advisory services); Commercial, Personal Banking & Services (lending, deposits, savings, insurance, leasing, and digital banking); and Investment & Protection Services (asset management, insurance, pensions, private banking, and real estate). The company was founded in 1822, is headquartered in Paris, and adopted its current name in May 2000 following the merger that formed Banque Nationale de Paris.
As one of the largest eurozone-headquartered banks, BNP Paribas follows a universal banking model that combines retail, corporate, and investment banking under one entity - a structure common among major European banks that allows cross-selling across client segments. Regional banks like BNP typically generate revenue from net interest income, fee-based services, and trading activities, with profitability tied to European interest rate cycles and credit conditions.
- ECB rate cuts compress net interest margin across European retail banking
- Corporate & Institutional Banking revenues lifted by client trading and financing demand
- Wealth and asset management AUM growth drives fee income expansion
| Net Income: 22.6b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 4.91 > 1.0 |
| NWC/Revenue: -73.29% < 20% (prev -1.26k%; Δ 1.18k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 46.6b > Net Income 22.6b |
| Net Debt (643b) to EBITDA (33.5b): 19.21 < 3 |
| Current Ratio: 0.56 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.17b) vs 12m ago 3.79% < -2% |
| Gross Margin: 77.77% > 18% (prev 6.54%; Δ 71.23% > 0.5%) |
| Asset Turnover: 7.63% > 50% (prev 2.38%; Δ 5.25% > 0%) |
| Interest Coverage Ratio: 0.62 > 6 (EBIT TTM 31.1b / Interest Expense TTM 50.3b) |
| A: -0.05 (Total Current Assets 213b - Total Current Liabilities 379b) / Total Assets 3084b |
| B: 0.03 (Retained Earnings 102b / Total Assets 3084b) |
| C: 0.01 (EBIT TTM 31.1b / Avg Total Assets 2967b) |
| D: 0.04 (Book Value of Equity 120b / Total Liabilities 2957b) |
| Altman-Z'' = -0.13 = B |
As of July 28, 2026, the stock is trading at EUR 107.58 with a total of 2,027,234 shares traded. Over the past week, the price has changed by +4.14%, over one month by +7.19%, over three months by +22.86% and over the past year by +48.04%.
Current recommended Stop Loss: 101.50 (which is 5.7% or 2.7 ATR below the current price).
has no consensus analysts rating.
P/E Trailing = 10.0736
P/E Forward = 9.2081
P/S = 2.317
P/B = 0.9038
P/EG = 1.2112
Revenue TTM = 226b EUR
EBIT TTM = 31.1b EUR
EBITDA TTM = 33.5b EUR
Long Term Debt = 477b EUR (estimated: total debt 856b - short term 379b)
Short Term Debt = 379b EUR (from shortTermDebt, last quarter)
Debt = 856b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 643b EUR (calculated: Debt 856b - CCE 213b)
Enterprise Value = 761b EUR (118b + Debt 856b - CCE 213b)
Interest Coverage Ratio = 0.62 (Ebit TTM 31.1b / Interest Expense TTM 50.3b)
EV/FCF = 17.41x (Enterprise Value 761b / FCF TTM 43.7b)
FCF Yield = 5.74% (FCF TTM 43.7b / Enterprise Value 761b)
FCF Margin = 19.30% (FCF TTM 43.7b / Revenue TTM 226b)
Net Margin = 10.00% (Net Income TTM 22.6b / Revenue TTM 226b)
Gross Margin = 77.77% ((Revenue TTM 226b - Cost of Revenue TTM 50.3b) / Revenue TTM)
Gross Margin QoQ = 63.51% (prev none%)
Tobins Q-Ratio = 0.25 (Enterprise Value 761b / Total Assets 3084b)
Interest Expense / Debt = 5.88% (Interest Expense 50.3b / Debt 856b)
Taxrate = 28.11% (2.87b / 10.2b)
NOPAT = 22.4b (EBIT 31.1b * (1 - 28.11%))
Current Ratio = 0.56 (Total Current Assets 213b / Total Current Liabilities 379b)
Debt / Equity = 7.13 (Debt 856b / totalStockholderEquity, last quarter 120b)
Debt / EBITDA = 19.21 (Net Debt 643b / EBITDA 33.5b)
Debt / FCF = 14.72 (Net Debt 643b / FCF TTM 43.7b)
Total Stockholder Equity = 125b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.76% (Net Income 22.6b / Total Assets 3084b)
RoE = 18.06% (Net Income TTM 22.6b / Total Stockholder Equity 125b)
RoCE = 5.16% (EBIT 31.1b / Capital Employed (Equity 125b + L.T.Debt 477b))
RoIC = 0.73% (NOPAT 22.4b / Invested Capital 3073b)
WACC = 4.61% (E(118b)/V(974b) * Re(7.40%) + D(856b)/V(974b) * Rd(5.88%) * (1-Tc(0.28)))
Discount Rate = 7.40% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -54.34 | Cagr: -0.50%
[DCF] Terminal Value 75.44% ; FCFF base≈43.7b ; Y1≈43.9b ; Y5≈46.5b
[DCF] Fair Price = 72.63 (EV 723b - Net Debt 643b = Equity 79.9b / Shares 1.10b; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 80.48 | EPS CAGR: 10.20% | SUE: 0.08 | # QB: 0
Revenue Correlation: 89.26 | Revenue CAGR: 65.15% | SUE: 1.94 | # QB: 1
EPS current Quarter (2026-06-30): EPS=2.94 | Chg30d=-6.88% | Revisions=-50% | Analysts=3
EPS next Quarter (2026-09-30): EPS=2.89 | Chg30d=-3.78% | Revisions=-50% | Analysts=3
EPS current Year (2026-12-31): EPS=11.50 | Chg30d=-1.95% | Revisions=-42% | GrowthEPS=+3.6% | GrowthRev=+6.2%
EPS next Year (2027-12-31): EPS=12.87 | Chg30d=+0.71% | Revisions=-21% | GrowthEPS=+11.9% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: -48% (up=6, down=20)