(BNP) - PA
Sector: Financial Services | Industry: Banks - Regional | Exchange: PA (France) | Market Cap: 112.187m EUR | Total Return: 45.8% in 12m
Avg Turnover: 204M
EPS Trend: 80.5%
Qual. Beats: 0
Rev. Trend: 73.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Supp Ema8
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: 18.0b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 5.04 > 1.0 |
| NWC/Revenue: -375.8% < 20% (prev -554.4%; Δ 178.6% < -1%) |
| CFO/TA 0.02 > 3% & CFO 46.6b > Net Income 18.0b |
| Net Debt (621b) to EBITDA (27.5b): 22.56 < 3 |
| Current Ratio: 0.50 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.10b) vs 12m ago -3.12% < -2% |
| Gross Margin: 70.40% > 18% (prev 5.87%; Δ 64.52% > 0.5%) |
| Asset Turnover: 5.93% > 50% (prev 2.41%; Δ 3.52% > 0%) |
| Interest Coverage Ratio: 0.50 > 6 (EBIT TTM 25.1b / Interest Expense TTM 50.3b) |
| A: -0.22 (Total Current Assets 638b - Total Current Liabilities 1277b) / Total Assets 2932b |
| B: 0.00 (Retained Earnings 3.22b / Total Assets 2932b) |
| C: 0.01 (EBIT TTM 25.1b / Avg Total Assets 2867b) |
| D: 0.05 (Book Value of Equity 130b / Total Liabilities 2795b) |
| Altman-Z'' = -1.32 = CCC |
As of June 26, 2026, the stock is trading at EUR 103.00 with a total of 1,958,970 shares traded. Over the past week, the price has changed by +1.88%, over one month by +11.33%, over three months by +25.79% and over the past year by +45.83%.
Current recommended Stop Loss: 100.30 (which is 2.6% or 1.4 ATR below the current price).
has no consensus analysts rating.
P/E Trailing = 9.6075
P/E Forward = 8.7642
P/S = 2.2858
P/B = 0.8597
P/EG = 3.1302
Revenue TTM = 170b EUR
EBIT TTM = 25.1b EUR
EBITDA TTM = 27.5b EUR
Long Term Debt = unknown (none)
Short Term Debt = 410b EUR (from shortTermDebt, last fiscal year)
Debt = 809b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 621b EUR (calculated: Debt 809b - CCE 189b)
Enterprise Value = 733b EUR (112b + Debt 809b - CCE 189b)
Interest Coverage Ratio = 0.50 (Ebit TTM 25.1b / Interest Expense TTM 50.3b)
EV/FCF = 16.77x (Enterprise Value 733b / FCF TTM 43.7b)
FCF Yield = 5.96% (FCF TTM 43.7b / Enterprise Value 733b)
FCF Margin = 25.70% (FCF TTM 43.7b / Revenue TTM 170b)
Net Margin = 10.60% (Net Income TTM 18.0b / Revenue TTM 170b)
Gross Margin = 70.40% ((Revenue TTM 170b - Cost of Revenue TTM 50.3b) / Revenue TTM)
Gross Margin QoQ = none% (prev 65.75%)
Tobins Q-Ratio = 0.25 (Enterprise Value 733b / Total Assets 2932b)
Interest Expense / Debt = 6.22% (Interest Expense 50.3b / Debt 809b)
Taxrate = 17.65% (4.44b / 25.1b)
NOPAT = 20.7b (EBIT 25.1b * (1 - 17.65%))
Current Ratio = 0.50 (Total Current Assets 638b / Total Current Liabilities 1277b)
Debt / Equity = 6.23 (Debt 809b / totalStockholderEquity, last quarter 130b)
Debt / EBITDA = 22.56 (Net Debt 621b / EBITDA 27.5b)
Debt / FCF = 14.20 (Net Debt 621b / FCF TTM 43.7b)
Total Stockholder Equity = 128b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.63% (Net Income 18.0b / Total Assets 2932b)
RoE = 14.10% (Net Income TTM 18.0b / Total Stockholder Equity 128b)
RoCE = 1.52% (EBIT 25.1b / Capital Employed (Total Assets 2932b - Current Liab 1277b))
RoIC = 1.01% (NOPAT 20.7b / Invested Capital 2055b)
WACC = 5.38% (E(112b)/V(921b) * Re(7.27%) + D(809b)/V(921b) * Rd(6.22%) * (1-Tc(0.18)))
Discount Rate = 7.27% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.22 | Cagr: -2.68%
[DCF] Terminal Value 75.44% ; FCFF base≈43.7b ; Y1≈43.9b ; Y5≈46.5b
[DCF] Fair Price = 93.07 (EV 723b - Net Debt 621b = Equity 102b / 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: 72.96 | Revenue CAGR: 39.33% | SUE: 0.01 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.94 | Chg30d=-6.88% | Revisions=-43% | Analysts=3
EPS next Quarter (2026-09-30): EPS=2.89 | Chg30d=-3.78% | Revisions=-43% | Analysts=3
EPS current Year (2026-12-31): EPS=11.50 | Chg30d=-1.95% | Revisions=-38% | GrowthEPS=+3.6% | GrowthRev=+6.0%
EPS next Year (2027-12-31): EPS=12.87 | Chg30d=+0.71% | Revisions=-20% | GrowthEPS=+11.9% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: -43%