(BNP) BNP Paribas - Ratings and Ratios
Banking, Financing, Insurance, Investment, Advisory
BNP EPS (Earnings per Share)
BNP Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 24.4% |
| Value at Risk 5%th | 40.2% |
| Reward | |
|---|---|
| Sharpe Ratio | 0.91 |
| Alpha Jensen | 13.42 |
| Character | |
|---|---|
| Hurst Exponent | 0.471 |
| Beta | 0.972 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.70% |
| Mean DD | 6.67% |
Description: BNP BNP Paribas September 25, 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 main businesses: Corporate & Institutional Banking (CIB), Commercial, Personal Banking & Services (CPBS), and Investment & Protection Services (IPS).
The CIB division delivers capital-markets, securities, investment-banking, financing, risk-management, cash-management and advisory services to corporates and institutional investors. The CPBS arm offers retail-focused products such as current accounts, savings, consumer loans, equipment leasing, mobility solutions, digital banking, bancassurance and broader insurance coverage. The IPS segment provides protection, savings, investment and real-estate services to individuals, professionals, corporate clients and institutions.
Key recent metrics: as of year-end 2023 BNP Paribas reported total assets of roughly €2.7 trillion and a Common Equity Tier 1 (CET1) ratio of about 13.5%, indicating strong capital resilience. Net profit for 2023 was €12.3 billion, up 8% YoY, driven by higher fee income in CIB and a rebound in retail loan margins as the European ECB policy rate rose to 4.5% in mid-2024. A sector-wide driver is the accelerating shift to digital banking, where BNP Paribas has invested over €2 billion in fintech partnerships and AI-enabled platforms to improve client onboarding and cost efficiency.
If you want a more granular, scenario-based assessment of BNP Paribas’s valuation and risk profile, the data visualizations on ValueRay can provide a useful next step for your analysis.
BNP Stock Overview
| Market Cap in USD | 86,882m |
| Sub-Industry | Regional Banks |
| IPO / Inception | |
| Return 12m vs S&P 500 | 13.7% |
| Analyst Rating | - |
BNP Dividends
| Dividend Yield | 10.60% |
| Yield on Cost 5y | 25.71% |
| Yield CAGR 5y | 20.03% |
| Payout Consistency | 87.7% |
| Payout Ratio | 77.2% |
BNP Growth Ratios
| CAGR | 19.11% |
| CAGR/Max DD Calmar Ratio | 0.81 |
| CAGR/Mean DD Pain Ratio | 2.87 |
| Current Volume | 2319.7k |
| Average Volume | 3265.5k |
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) 48.50
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield 10.08% = 5.0 |
| 3. FCF Margin 13.98% = 3.49 |
| 4. Debt/Equity 3.20 = -1.06 |
| 5. Debt/Ebitda 7.10 = -2.50 |
| 6. ROIC - WACC (= -8.96)% = -11.20 |
| 7. RoE 12.93% = 1.08 |
| 8. Rev. Trend 47.63% = 3.57 |
| 9. EPS Trend 52.39% = 2.62 |
What is the price of BNP shares?
Over the past week, the price has changed by +6.50%, over one month by -7.75%, over three months by -13.23% and over the past year by +29.55%.
Is BNP Paribas a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BNP is around 75.58 EUR . This means that BNP is currently overvalued and has a potential downside of 8.61%.
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 | 90 | 29.3% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 86.4 | 24.2% |
BNP Fundamental Data Overview January 01, 1970
Market Cap EUR = 74.96b (74.96b EUR * 1.0 EUR.EUR)
P/E Trailing = 6.8504
P/E Forward = 6.8966
P/S = 1.5994
P/B = 0.6937
P/EG = 2.4631
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 = 161.37b EUR (74.96b + Debt 401.86b - CCE 315.45b)
Interest Coverage Ratio = 0.25 (Ebit TTM 15.95b / Interest Expense TTM 63.50b)
FCF Yield = 10.08% (FCF TTM 16.26b / Enterprise Value 161.37b)
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 161.37b / 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 = 11.36% (E(74.96b)/V(476.82b) * Re(9.60%) + D(401.86b)/V(476.82b) * Rd(15.80%) * (1-Tc(0.26)))
Discount Rate = 9.60% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.55%
[DCF Debug] Terminal Value 76.55% ; FCFE base≈16.26b ; Y1≈20.06b ; Y5≈34.23b
Fair Price DCF = 395.1 (DCF Value 441.29b / Shares Outstanding 1.12b; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 52.39 | EPS CAGR: 83.98% | SUE: -0.08 | # QB: 0
Revenue Correlation: 47.63 | Revenue CAGR: 87.36% | SUE: 1.76 | # QB: 1