(BNP) BNP Paribas - Ratings and Ratios
Banking, Financial, Investment, Insurance, Loans
BNP EPS (Earnings per Share)
BNP Revenue
Description: BNP BNP Paribas
BNP Paribas SA is a French multinational bank with a diverse range of banking and financial products and services across various regions, including Europe, the Middle East, Africa, the Americas, and the Asia Pacific. The bank operates through three main divisions: Corporate & Institutional Banking, Commercial, Personal Banking & Services, and Investment & Protection Services, catering to corporate clients, institutional investors, and individuals.
The banks divisions provide a broad spectrum of services, including capital market and securities services, investment banking, financing, risk management, and financial advisory services. Additionally, BNP Paribas offers digital banking services, current accounts, savings products, bancassurance, insurance products, and consumer loans, making it a comprehensive financial services provider.
From a financial perspective, BNP Paribas has a market capitalization of approximately €84.6 billion, with a price-to-earnings ratio of 7.89 and a forward P/E of 7.78, indicating a relatively stable valuation. The banks return on equity (RoE) stands at 11.87%, suggesting a decent level of profitability. Other key performance indicators (KPIs) worth noting include the banks dividend yield, which is around 4-5%, and its cost-to-income ratio, which is approximately 60-65%, indicating a moderate level of operational efficiency.
BNP Paribas has a long history, dating back to 1822, and is headquartered in Paris, France. With its extensive global presence and diversified business model, the bank is well-positioned to navigate the complexities of the financial services industry. Its strong brand recognition and established customer base are significant advantages in a competitive market.
BNP Stock Overview
| Market Cap in USD | 107,706m |
| Sub-Industry | Regional Banks |
| IPO / Inception |
BNP Stock Ratings
| Growth Rating | 89.0% |
| Fundamental | 53.0% |
| Dividend Rating | 88.6% |
| Return 12m vs S&P 500 | 12.4% |
| Analyst Rating | - |
BNP Dividends
| Dividend Yield 12m | 6.68% |
| Yield on Cost 5y | 17.92% |
| Annual Growth 5y | 14.68% |
| Payout Consistency | 87.7% |
| Payout Ratio | 50.8% |
BNP Growth Ratios
| Growth Correlation 3m | 65.3% |
| Growth Correlation 12m | 87% |
| Growth Correlation 5y | 92.4% |
| CAGR 5y | 23.11% |
| CAGR/Max DD 5y | 0.68 |
| Sharpe Ratio 12m | 1.12 |
| Alpha | 23.02 |
| Beta | 0.427 |
| Volatility | 41.20% |
| Current Volume | 1862.4k |
| Average Volume 20d | 1862.4k |
| Stop Loss | 74.5 (-3.1%) |
| Signal | -0.29 |
Piotroski VR‑10 (Strict, 0-10) 1.5
| Net Income (13.87b TTM) > 0 and > 6% of Revenue (6% = 6.98b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 1.92pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -734.0% (prev -745.5%; Δ 11.56pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 18.48b > Net Income 13.87b (YES >=105%, WARN >=100%) |
| Net Debt (86.41b) to EBITDA (24.23b) ratio: 3.57 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.30 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.13b) change vs 12m ago -1.02% (target <= -2.0% for YES) |
| Gross Margin 45.43% (prev 96.25%; Δ -50.81pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.19% (prev 2.57%; Δ 1.62pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.27 (EBITDA TTM 24.23b / Interest Expense TTM 63.50b) >= 6 (WARN >= 3) |
Altman Z'' -1.73
| (A) -0.30 = (Total Current Assets 367.39b - Total Current Liabilities 1221.45b) / Total Assets 2849.38b |
| (B) 0.03 = Retained Earnings (Balance) 99.06b / Total Assets 2849.38b |
| (C) 0.01 = EBIT TTM 16.96b / Avg Total Assets 2774.32b |
| (D) 0.08 = Book Value of Equity 212.79b / Total Liabilities 2717.74b |
| Total Rating: -1.73 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 52.98
| 1. Piotroski 1.50pt = -3.50 |
| 2. FCF Yield 0.92% = 0.46 |
| 3. FCF Margin 13.98% = 3.49 |
| 4. Debt/Equity 15.81 = -2.50 |
| 5. Debt/Ebitda 82.00 = -2.50 |
| 6. ROIC - WACC -0.04% = -0.05 |
| 7. RoE 10.90% = 0.91 |
| 8. Rev. Trend 47.63% = 2.38 |
| 9. Rev. CAGR 87.36% = 2.50 |
| 10. EPS Trend 32.38% = 0.81 |
| 11. EPS CAGR 9.79% = 0.98 |
What is the price of BNP shares?
Over the past week, the price has changed by -7.04%, over one month by -0.62%, over three months by +0.42% and over the past year by +32.25%.
Is BNP Paribas a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BNP is around 94.73 EUR . This means that BNP is currently undervalued and has a potential upside of +23.19% (Margin of Safety).
Is BNP a buy, sell or hold?
What are the forecasts/targets for the BNP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 92.1 | 19.7% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 100.1 | 30.1% |
BNP Fundamental Data Overview
Market Cap EUR = 92.47b (92.47b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 315.45b EUR (Cash And Short Term Investments, last quarter)
P/E Trailing = 8.772
P/E Forward = 8.1301
P/S = 1.9977
P/B = 0.741
P/EG = 2.9028
Beta = 1.372
Revenue TTM = 116.36b EUR
EBIT TTM = 16.96b EUR
EBITDA TTM = 24.23b EUR
Long Term Debt = 1496.28b EUR (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 490.49b EUR (from shortTermDebt, last quarter)
Debt = 1986.77b EUR (Calculated: Short Term 490.49b + Long Term 1496.28b)
Net Debt = 86.41b EUR (from netDebt column, last quarter)
Enterprise Value = 1763.78b EUR (92.47b + Debt 1986.77b - CCE 315.45b)
Interest Coverage Ratio = 0.27 (Ebit TTM 16.96b / Interest Expense TTM 63.50b)
FCF Yield = 0.92% (FCF TTM 16.26b / Enterprise Value 1763.78b)
FCF Margin = 13.98% (FCF TTM 16.26b / Revenue TTM 116.36b)
Net Margin = 11.92% (Net Income TTM 13.87b / Revenue TTM 116.36b)
Gross Margin = 45.43% ((Revenue TTM 116.36b - Cost of Revenue TTM 63.50b) / Revenue TTM)
Tobins Q-Ratio = 8.29 (Enterprise Value 1763.78b / Book Value Of Equity 212.79b)
Interest Expense / Debt = 3.20% (Interest Expense 63.50b / Debt 1986.77b)
Taxrate = 24.72% (from yearly Income Tax Expense: 4.00b / 16.19b)
NOPAT = 12.77b (EBIT 16.96b * (1 - 24.72%))
Current Ratio = 0.30 (Total Current Assets 367.39b / Total Current Liabilities 1221.45b)
Debt / Equity = 15.81 (Debt 1986.77b / last Quarter total Stockholder Equity 125.69b)
Debt / EBITDA = 82.00 (Net Debt 86.41b / EBITDA 24.23b)
Debt / FCF = 122.2 (Debt 1986.77b / FCF TTM 16.26b)
Total Stockholder Equity = 127.22b (last 4 quarters mean)
RoA = 0.49% (Net Income 13.87b, Total Assets 2849.38b )
RoE = 10.90% (Net Income TTM 13.87b / Total Stockholder Equity 127.22b)
RoCE = 1.04% (Ebit 16.96b / (Equity 127.22b + L.T.Debt 1496.28b))
RoIC = 2.60% (NOPAT 12.77b / Invested Capital 491.71b)
WACC = 2.64% (E(92.47b)/V(2079.24b) * Re(7.59%)) + (D(1986.77b)/V(2079.24b) * Rd(3.20%) * (1-Tc(0.25)))
Shares Correlation 5-Years: -100.0 | Cagr: -2.26%
Discount Rate = 7.59% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈16.26b ; Y1≈20.06b ; Y5≈34.23b
Fair Price DCF = 520.9 (DCF Value 582.23b / Shares Outstanding 1.12b; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 47.63 | Revenue CAGR: 87.36%
Rev Growth-of-Growth: 30.95
EPS Correlation: 32.38 | EPS CAGR: 9.79%
EPS Growth-of-Growth: 13.88