(BNP) BNP Paribas - Overview
Stock: Banking, Financing, Insurance, Investment, Leasing
| Risk 5d forecast | |
|---|---|
| Volatility | 22.9% |
| Relative Tail Risk | -1.60% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.27 |
| Alpha | 38.49 |
| Character TTM | |
|---|---|
| Beta | 0.205 |
| Beta Downside | 0.362 |
| Drawdowns 3y | |
|---|---|
| Max DD | 21.82% |
| CAGR/Max DD | 1.47 |
EPS (Earnings per Share)
Revenue
Description: BNP BNP Paribas January 27, 2026
BNP Paribas SA (ticker BNP) is a globally diversified French bank that serves Europe, the Middle East, Africa, the Americas, and Asia-Pacific through three operating divisions: Corporate & Institutional Banking (CIB), Commercial, Personal Banking & Services (CPBS), and Investment & Protection Services (IPS). The CIB unit delivers capital-markets, securities, financing, risk-management, and advisory solutions to corporations and institutional investors; CPBS offers retail-focused products such as current accounts, savings, consumer loans, equipment leasing, and digital-banking services; IPS provides protection, savings, investment, and real-estate products for individuals, professionals, and institutions.
In the most recent quarter (Q3 2025), BNP Paribas reported net profit of €5.4 billion, a 7 % year-over-year increase, driven primarily by a 4 % rise in CIB net interest income and a 6 % lift in CPBS fee-based revenue. The bank’s Common Equity Tier 1 (CET1) ratio stood at 13.2 %, comfortably above the European regulatory minimum, while total loan book grew 3.1 % YoY, reflecting strong demand for corporate financing in the Eurozone. These figures are consistent with the bank’s FY 2024 results, where revenue rose 5 % to €52 billion, suggesting a stable earnings trajectory.
Key macro-economic drivers for BNP Paribas include the European Central Bank’s tightening cycle, which has lifted average loan-to-deposit spreads and boosted net interest margins across the sector; accelerated digital-banking adoption in France and Germany, where CPBS’s active-user base grew 9 % in the past twelve months; and the expanding market for ESG-linked financing, with the CIB division reporting a 15 % year-over-year increase in sustainable-finance transactions, aligning with broader regulatory incentives for green credit.
For a deeper, data-rich analysis of BNP Paribas’ valuation and risk profile, you may find the ValueRay platform a useful next step.
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income: 19.26b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 3.76 > 1.0 |
| NWC/Revenue: -388.5% < 20% (prev -535.5%; Δ 147.1% < -1%) |
| CFO/TA 0.01 > 3% & CFO 15.16b > Net Income 19.26b |
| Net Debt (482.25b) to EBITDA (15.97b): 30.19 < 3 |
| Current Ratio: 0.50 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.12b) vs 12m ago -0.92% < -2% |
| Gross Margin: 84.63% > 18% (prev 0.96%; Δ 8367 % > 0.5%) |
| Asset Turnover: 5.93% > 50% (prev 2.54%; Δ 3.39% > 0%) |
| Interest Coverage Ratio: 1.04 > 6 (EBITDA TTM 15.97b / Interest Expense TTM 23.64b) |
Altman Z'' -1.28
| A: -0.23 (Total Current Assets 638.45b - Total Current Liabilities 1277.40b) / Total Assets 2792.98b |
| B: 0.04 (Retained Earnings 101.57b / Total Assets 2792.98b) |
| C: 0.01 (EBIT TTM 24.68b / Avg Total Assets 2773.03b) |
| D: 0.04 (Book Value of Equity 103.80b / Total Liabilities 2660.81b) |
| Altman-Z'' Score: -1.28 = CCC |
Beneish M -2.31
| DSRI: 0.46 (Receivables 52.16b/48.60b, Revenue 164.48b/69.83b) |
| GMI: 1.14 (GM 84.63% / 96.27%) |
| AQI: 1.11 (AQ_t 0.75 / AQ_t-1 0.68) |
| SGI: 2.36 (Revenue 164.48b / 69.83b) |
| TATA: 0.00 (NI 19.26b - CFO 15.16b) / TA 2792.98b) |
| Beneish M-Score: -2.31 (Cap -4..+1) = BBB |
What is the price of BNP shares?
Over the past week, the price has changed by +5.96%, over one month by +9.62%, over three months by +35.29% and over the past year by +47.11%.
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 | 99.9 | 5.4% |
| Analysts Target Price | - | - |
BNP Fundamental Data Overview February 21, 2026
P/E Trailing = 9.1195
P/E Forward = 7.8802
P/S = 2.1862
P/B = 0.7962
P/EG = 2.8138
Revenue TTM = 164.48b EUR
EBIT TTM = 24.68b EUR
EBITDA TTM = 15.97b EUR
Long Term Debt = 399.65b EUR (estimated: total debt 809.21b - short term 409.56b)
Short Term Debt = 409.56b EUR (from shortTermDebt, last quarter)
Debt = 809.21b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 482.25b EUR (from netDebt column, last quarter)
Enterprise Value = 587.05b EUR (104.80b + Debt 809.21b - CCE 326.96b)
Interest Coverage Ratio = 1.04 (Ebit TTM 24.68b / Interest Expense TTM 23.64b)
EV/FCF = 47.79x (Enterprise Value 587.05b / FCF TTM 12.28b)
FCF Yield = 2.09% (FCF TTM 12.28b / Enterprise Value 587.05b)
FCF Margin = 7.47% (FCF TTM 12.28b / Revenue TTM 164.48b)
Net Margin = 11.71% (Net Income TTM 19.26b / Revenue TTM 164.48b)
Gross Margin = 84.63% ((Revenue TTM 164.48b - Cost of Revenue TTM 25.28b) / Revenue TTM)
Gross Margin QoQ = 57.91% (prev none%)
Tobins Q-Ratio = 0.21 (Enterprise Value 587.05b / Total Assets 2792.98b)
Interest Expense / Debt = 2.92% (Interest Expense 23.64b / Debt 809.21b)
Taxrate = 25.62% (1.92b / 7.49b)
NOPAT = 18.36b (EBIT 24.68b * (1 - 25.62%))
Current Ratio = 0.50 (Total Current Assets 638.45b / Total Current Liabilities 1277.40b)
Debt / Equity = 6.45 (Debt 809.21b / totalStockholderEquity, last quarter 125.51b)
Debt / EBITDA = 30.19 (Net Debt 482.25b / EBITDA 15.97b)
Debt / FCF = 39.26 (Net Debt 482.25b / FCF TTM 12.28b)
Total Stockholder Equity = 127.36b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.69% (Net Income 19.26b / Total Assets 2792.98b)
RoE = 15.12% (Net Income TTM 19.26b / Total Stockholder Equity 127.36b)
RoCE = 4.68% (EBIT 24.68b / Capital Employed (Equity 127.36b + L.T.Debt 399.65b))
RoIC = 3.62% (NOPAT 18.36b / Invested Capital 506.94b)
WACC = 2.69% (E(104.80b)/V(914.01b) * Re(6.67%) + D(809.21b)/V(914.01b) * Rd(2.92%) * (1-Tc(0.26)))
Discount Rate = 6.67% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -2.83%
[DCF Debug] Terminal Value 88.43% ; FCFF base≈12.28b ; Y1≈15.15b ; Y5≈25.81b
Fair Price DCF = 244.8 (EV 751.50b - Net Debt 482.25b = Equity 269.25b / Shares 1.10b; r=5.90% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 22.99 | EPS CAGR: -3.94% | SUE: 1.16 | # QB: 1
Revenue Correlation: 15.30 | Revenue CAGR: 0.97% | SUE: 1.94 | # QB: 2
EPS next Quarter (2026-03-31): EPS=2.80 | Chg30d=+0.235 | Revisions Net=+1 | Analysts=2
EPS current Year (2026-12-31): EPS=11.82 | Chg30d=+0.473 | Revisions Net=+7 | Growth EPS=+6.5% | Growth Revenue=+6.0%
EPS next Year (2027-12-31): EPS=12.81 | Chg30d=+0.272 | Revisions Net=+8 | Growth EPS=+8.4% | Growth Revenue=+3.9%