BNP Stock Analysis: | PA
Banks - Regional | PA, France | Market Cap: 106.750m EUR | 12M Return: 26.3% | FR0000131104 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 197M
EPS Trend: 78.8%
Qual. Beats: 0
Rev. Trend: 80.9%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 11.7 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 headquartered in Paris, founded in 1822 and renamed from Banque Nationale de Paris in May 2000. It operates across Europe, the Middle East, Africa, the Americas, and Asia Pacific through three main divisions: Corporate & Institutional Banking (capital markets, financing, transaction banking, custody, and advisory services); Commercial, Personal Banking & Services (retail and commercial lending, leasing, digital and mobile banking, current/savings accounts, consumer credit, and bancassurance products); and Investment & Protection Services (asset management, insurance, pensions, private banking, and real estate services for individuals, professionals, and institutions).
As a large-cap stock in the Financials sector, BNP Paribas sits within the GICS Regional Banks sub-industry and is generally regarded as one of the largest universal banks in the Eurozone. Its diversified three-pillar structure-combining retail, corporate/institutional, and investment/protection services-reflects the classic European universal banking model, which allows cross-selling across retail clients, corporations, and institutional investors but also ties performance closely to the broader European interest rate and credit cycle.
- ECB rate cuts pressure French retail net interest margins
- Corporate & Institutional Banking revenue lifted by trading and financing demand
- Asset management AUM and fees rise with global equity markets
| Net Income: 23.0b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 4.91 > 1.0 |
| NWC/Revenue: -70.01% < 20% (prev -478.7%; Δ 408.7% < -1%) |
| CFO/TA 0.02 > 3% & CFO 46.6b > Net Income 23.0b |
| Net Debt (643b) to EBITDA (33.5b): 19.21 < 3 |
| Current Ratio: 0.56 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.10b) vs 12m ago -2.78% < -2% |
| Gross Margin: 77.43% > 18% (prev 62.78%; Δ 14.64% > 0.5%) |
| Asset Turnover: 7.99% > 50% (prev 6.26%; Δ 1.73% > 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 107b / 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 |
| DSRI: 0.10 (Receivables 2.64b/51.9b, Revenue 237b/178b) |
| GMI: 0.81 (GM 62.78% / 77.43%) |
| AQI: 1.07 (AQ_t 0.91 / AQ_t-1 0.85) |
| SGI: 1.33 (Revenue 237b / 178b) |
| TATA: -0.01 (NI 23.0b - CFO 46.6b) / TA 3084b) |
| Beneish M = -3.66 (Cap -4..+1) = AAA |
As of October 03, 2026, the stock is trading at EUR 92.06 with a total of 3,127,075 shares traded. Over the past week, the price has changed by -7.29%, over one month by -7.73%, over three months by -7.03% and over the past year by +26.33%.
Current recommended Stop Loss: 88.60 (which is 3.8% or 1.4 ATR below the current price).
has no consensus analysts rating.
P/E Trailing = 8.4256
P/E Forward = 7.7519
P/S = 2.0827
P/B = 0.8416
P/EG = 0.9569
Revenue TTM = 237b 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 = 750b EUR (107b + Debt 856b - CCE 213b)
Interest Coverage Ratio = 0.62 (Ebit TTM 31.1b / Interest Expense TTM 50.3b)
EV/FCF = 17.16x (Enterprise Value 750b / FCF TTM 43.7b)
FCF Yield = 5.83% (FCF TTM 43.7b / Enterprise Value 750b)
FCF Margin = 18.44% (FCF TTM 43.7b / Revenue TTM 237b)
Net Margin = 9.71% (Net Income TTM 23.0b / Revenue TTM 237b)
Gross Margin = 77.43% ((Revenue TTM 237b - Cost of Revenue TTM 53.5b) / Revenue TTM)
Gross Margin QoQ = 67.90% (prev none%)
Tobins Q-Ratio = 0.24 (Enterprise Value 750b / Total Assets 3084b)
Interest Expense / Debt = 5.88% (Interest Expense 50.3b / Debt 856b)
Taxrate = 15.60% (4.85b / 31.1b)
NOPAT = 26.3b (EBIT 31.1b * (1 - 15.60%))
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 = 0.78% (Net Income 23.0b / Total Assets 3084b)
RoE = 18.36% (Net Income TTM 23.0b / Total Stockholder Equity 125b)
RoCE = 5.16% (EBIT 31.1b / Capital Employed (Equity 125b + L.T.Debt 477b))
RoIC = 0.85% (NOPAT 26.3b / Invested Capital 3072b)
WACC = 5.23% (E(107b)/V(963b) * Re(7.34%) + D(856b)/V(963b) * Rd(5.88%) * (1-Tc(0.16)))
Discount Rate = 7.34% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -72.43 | Cagr: -1.96%
[DCF] Terminal Value 75.44% ; FCFF base≈43.7b ; Y1≈43.9b ; Y5≈46.5b
[DCF] Fair Price = 72.91 (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: 78.79 | EPS CAGR: 8.37% | SUE: -0.65 | # QB: 0
Revenue Correlation: 80.94 | Revenue CAGR: 15.47% | SUE: 1.42 | # QB: 1
EPS current Quarter (2026-09-30): EPS=2.96 | Chg30d=+0.00% | Revisions=+50% | Analysts=3
EPS current Year (2026-12-31): EPS=11.63 | Chg30d=+0.67% | Revisions=+0% | GrowthEPS=+4.7% | GrowthRev=+7.7%
EPS next Year (2027-12-31): EPS=13.27 | Chg30d=+0.47% | Revisions=+40% | GrowthEPS=+14.1% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: +31% (up=9, down=4)