(BNP) BNP Paribas - Ratings and Ratios
Banking, Financing, Insurance, Investment, Advisory
Dividends
| Dividend Yield | 9.75% |
| Yield on Cost 5y | 23.46% |
| Yield CAGR 5y | 20.03% |
| Payout Consistency | 87.7% |
| Payout Ratio | 77.2% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 23.9% |
| Value at Risk 5%th | 39.1% |
| Relative Tail Risk | -0.52% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.18 |
| Alpha | 32.66 |
| CAGR/Max DD | 0.91 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.623 |
| Beta | 0.174 |
| Beta Downside | 0.286 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.70% |
| Mean DD | 6.89% |
| Median DD | 6.40% |
Description: BNP BNP Paribas December 02, 2025
BNP Paribas SA (ticker BNP) is a French-headquartered universal bank operating across Europe, the Middle East, Africa, the Americas and Asia-Pacific. It is organized into three business lines: Corporate & Institutional Banking (capital markets, financing, risk and cash-management services for corporates and institutions); Commercial, Personal Banking & Services (retail deposits, consumer loans, equipment leasing, digital banking and bancassurance); and Investment & Protection Services (savings, investment, insurance and real-estate solutions for individuals and professional clients). The group, originally Banque Nationale de Paris, adopted the BNP Paribas name in May 2000 and traces its origins to 1822.
Key metrics that investors watch include a CET1 capital ratio of roughly 13.5% (Q3 2024), net profit of €9.5 bn in FY 2023, and a loan-to-deposit ratio near 85%, reflecting a balanced funding profile. The bank’s earnings are highly sensitive to Euro-area monetary policy-higher ECB rates typically lift net-interest margins, while credit-risk trends in the Eurozone and emerging-market exposure drive provisioning levels. Digital-banking adoption remains a sector catalyst, with BNP Paribas reporting a 12% year-over-year increase in active online customers in 2024.
For a deeper, data-driven view of BNP Paribas’s valuation and risk profile, you might explore the analyst dashboards on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (16.45b TTM) > 0 and > 6% of Revenue (6% = 6.98b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 4.19pp (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 16.45b (YES >=105%, WARN >=100%) |
| Net Debt (86.41b) to EBITDA (12.17b) ratio: 7.10 <= 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 98.66% (prev 96.25%; Δ 2.42pp) >=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 0.25 (EBITDA TTM 12.17b / Interest Expense TTM 63.50b) >= 6 (WARN >= 3) |
Altman Z'' -1.74
| (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 15.95b / Avg Total Assets 2774.32b |
| (D) 0.07 = Book Value of Equity 195.86b / Total Liabilities 2717.74b |
| Total Rating: -1.74 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 44.60
| 1. Piotroski 2.50pt |
| 2. FCF Yield 9.76% |
| 3. FCF Margin 13.98% |
| 4. Debt/Equity 3.20 |
| 5. Debt/Ebitda 7.10 |
| 6. ROIC - WACC (= -8.45)% |
| 7. RoE 12.93% |
| 8. Rev. Trend 6.45% |
| 9. EPS Trend 25.85% |
What is the price of BNP shares?
Over the past week, the price has changed by +2.71%, over one month by +14.68%, over three months by +0.92% and over the past year by +47.44%.
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 | 88.2 | 16.5% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 101.6 | 34.2% |
BNP Fundamental Data Overview November 27, 2025
Market Cap EUR = 80.23b (80.23b EUR * 1.0 EUR.EUR)
P/E Trailing = 7.5073
P/E Forward = 6.2305
P/S = 1.7117
P/B = 0.635
P/EG = 2.2257
Beta = 0.972
Revenue TTM = 116.36b EUR
EBIT TTM = 15.95b EUR
EBITDA TTM = 12.17b EUR
Long Term Debt = unknown (0.0)
Short Term Debt = 490.49b EUR (from shortTermDebt, last quarter)
Debt = 401.86b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 86.41b EUR (from netDebt column, last quarter)
Enterprise Value = 166.63b EUR (80.23b + Debt 401.86b - CCE 315.45b)
Interest Coverage Ratio = 0.25 (Ebit TTM 15.95b / Interest Expense TTM 63.50b)
FCF Yield = 9.76% (FCF TTM 16.26b / Enterprise Value 166.63b)
FCF Margin = 13.98% (FCF TTM 16.26b / Revenue TTM 116.36b)
Net Margin = 14.13% (Net Income TTM 16.45b / Revenue TTM 116.36b)
Gross Margin = 98.66% ((Revenue TTM 116.36b - Cost of Revenue TTM 1.55b) / Revenue TTM)
Gross Margin QoQ = 93.42% (prev 100.0%)
Tobins Q-Ratio = 0.06 (Enterprise Value 166.63b / Total Assets 2849.38b)
Interest Expense / Debt = 15.80% (Interest Expense 63.50b / Debt 401.86b)
Taxrate = 26.01% (2.29b / 8.80b)
NOPAT = 11.80b (EBIT 15.95b * (1 - 26.01%))
Current Ratio = 0.30 (Total Current Assets 367.39b / Total Current Liabilities 1221.45b)
Debt / Equity = 3.20 (Debt 401.86b / totalStockholderEquity, last quarter 125.69b)
Debt / EBITDA = 7.10 (Net Debt 86.41b / EBITDA 12.17b)
Debt / FCF = 5.31 (Net Debt 86.41b / FCF TTM 16.26b)
Total Stockholder Equity = 127.22b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.58% (Net Income 16.45b / Total Assets 2849.38b)
RoE = 12.93% (Net Income TTM 16.45b / Total Stockholder Equity 127.22b)
RoCE = 12.54% (EBIT 15.95b / Capital Employed (Equity 127.22b + L.T.Debt 0.0))
RoIC = 2.40% (NOPAT 11.80b / Invested Capital 491.71b)
WACC = 10.85% (E(80.23b)/V(482.08b) * Re(6.66%) + D(401.86b)/V(482.08b) * Rd(15.80%) * (1-Tc(0.26)))
Discount Rate = 6.66% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -2.55%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈16.26b ; Y1≈20.06b ; Y5≈34.23b
Fair Price DCF = 521.3 (DCF Value 582.23b / Shares Outstanding 1.12b; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 25.85 | EPS CAGR: 13.31% | SUE: -0.08 | # QB: 0
Revenue Correlation: 6.45 | Revenue CAGR: 61.76% | SUE: 1.76 | # QB: 1
EPS next Quarter (2026-03-31): EPS=2.51 | Chg30d=N/A | Revisions Net=+0 | Analysts=2
EPS next Year (2026-12-31): EPS=11.29 | Chg30d=+0.009 | Revisions Net=+0 | Growth EPS=+11.1% | Growth Revenue=+5.4%