(BNP) - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: PA (France) | Market Cap: 99.067m EUR | Total Return: 27.6% in 12m
Avg Turnover: 156M
EPS Trend: 80.5%
Qual. Beats: 0
Rev. Trend: 73.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
BNP Paribas SA is a diversified global financial institution headquartered in France, operating across three primary divisions: Corporate & Institutional Banking (CIB), Commercial, Personal Banking & Services (CPBS), and Investment & Protection Services (IPS). The group provides a comprehensive suite of services ranging from retail banking and consumer credit to capital markets, asset management, and insurance.
As a Systemically Important Financial Institution (SIFI), the company employs a universal banking model designed to balance cyclical investment banking revenues with stable interest income from retail and commercial lending. This structure allows the firm to cross-sell protection and investment products through its integrated bancassurance framework.
For a more granular look at the company’s valuation metrics, consider reviewing the latest data on ValueRay. Founded in 1822, BNP Paribas maintains a significant presence in the Eurozone while providing specialized financing and risk management services to institutional clients across the Americas and Asia Pacific.
- European Central Bank monetary policy shifts impact net interest income margins
- Corporate and Institutional Banking revenue volatility influences quarterly earnings performance
- Cost management initiatives offset rising regulatory compliance and operational expenses
- Eurozone economic growth trajectory dictates loan loss provision and credit quality
- Expansion of Investment and Protection Services drives recurring fee-based revenue growth
| Net Income: 18.0b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 4.10 > 1.0 |
| NWC/Revenue: -375.8% < 20% (prev -554.4%; Δ 178.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 15.2b > 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 0.96%; Δ 6.94k% > 0.5%) |
| Asset Turnover: 6.03% > 50% (prev 2.49%; Δ 3.54% > 0%) |
| Interest Coverage Ratio: 1.06 > 6 (EBITDA TTM 27.5b / Interest Expense TTM 23.6b) |
| 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 2818b) |
| D: 0.00 (Book Value of Equity 3.22b / Total Liabilities 2795b) |
| Altman-Z'' = -1.37 = CCC |
| DSRI: 0.43 (Receivables 52.2b/48.6b, Revenue 170b/67.5b) |
| GMI: 1.37 (GM 70.40% / 96.14%) |
| AQI: 1.13 (AQ_t 0.76 / AQ_t-1 0.67) |
| SGI: 2.52 (Revenue 170b / 67.5b) |
| TATA: 0.00 (NI 18.0b - CFO 15.2b) / TA 2932b) |
| Beneish M = -2.00 (Cap -4..+1) = B |
As of May 29, 2026, the stock is trading at EUR 91.76 with a total of 1,691,191 shares traded.
Over the past week, the price has changed by +2.92%,
over one month by +3.23%,
over three months by -1.07% and
over the past year by +27.59%.
has no consensus analysts rating.
P/E Trailing = 8.484
P/E Forward = 7.734
P/S = 2.0184
P/B = 0.7611
P/EG = 2.7616
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 = 720b EUR (99.1b + Debt 809b - CCE 189b)
Interest Coverage Ratio = 1.06 (Ebit TTM 25.1b / Interest Expense TTM 23.6b)
EV/FCF = 58.58x (Enterprise Value 720b / FCF TTM 12.3b)
FCF Yield = 1.71% (FCF TTM 12.3b / Enterprise Value 720b)
FCF Margin = 7.22% (FCF TTM 12.3b / 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 720b / Total Assets 2932b)
Interest Expense / Debt = 2.92% (Interest Expense 23.6b / Debt 809b)
Taxrate = 28.32% (1.30b / 4.61b)
NOPAT = 18.0b (EBIT 25.1b * (1 - 28.32%))
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 = 50.51 (Net Debt 621b / FCF TTM 12.3b)
Total Stockholder Equity = 128b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.64% (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 = 0.87% (NOPAT 18.0b / Invested Capital 2064b)
WACC = 2.63% (E(99.1b)/V(908b) * Re(7.01%) + D(809b)/V(908b) * Rd(2.92%) * (1-Tc(0.28)))
Discount Rate = 7.01% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.22 | Cagr: -2.68%
[DCF] Terminal Value 75.44% ; FCFF base≈12.3b ; Y1≈12.3b ; Y5≈13.1b
[DCF] Fair Price = N/A (negative equity: EV 203b - Net Debt 621b = -417b; debt exceeds intrinsic value)
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%