(BNP) BNP Paribas - Overview
Stock: Banking, Financing, Insurance, Investment, Leasing
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 9.55% |
| Yield on Cost 5y | 23.66% |
| Yield CAGR 5y | 29.06% |
| Payout Consistency | 88.0% |
| Payout Ratio | 77.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 22.4% |
| Relative Tail Risk | -3.12% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.30 |
| Alpha | 39.88 |
| Character TTM | |
|---|---|
| Beta | 0.195 |
| Beta Downside | 0.368 |
| Drawdowns 3y | |
|---|---|
| Max DD | 22.28% |
| CAGR/Max DD | 1.03 |
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: 16.45b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 4.19 > 1.0 |
| NWC/Revenue: -734.0% < 20% (prev -745.5%; Δ 11.56% < -1%) |
| CFO/TA 0.01 > 3% & CFO 18.48b > Net Income 16.45b |
| Net Debt (86.41b) to EBITDA (12.17b): 7.10 < 3 |
| Current Ratio: 0.30 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.13b) vs 12m ago -1.02% < -2% |
| Gross Margin: 45.43% > 18% (prev 0.96%; Δ 4447 % > 0.5%) |
| Asset Turnover: 4.19% > 50% (prev 2.57%; Δ 1.62% > 0%) |
| Interest Coverage Ratio: 0.25 > 6 (EBITDA TTM 12.17b / Interest Expense TTM 63.50b) |
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 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) |
| Altman-Z'' Score: -1.74 = D |
Beneish M -1.63
| DSRI: 0.56 (Receivables 51.93b/55.01b, Revenue 116.36b/69.47b) |
| GMI: 2.12 (GM 45.43% / 96.25%) |
| AQI: 1.43 (AQ_t 0.85 / AQ_t-1 0.60) |
| SGI: 1.67 (Revenue 116.36b / 69.47b) |
| TATA: -0.00 (NI 16.45b - CFO 18.48b) / TA 2849.38b) |
| Beneish M-Score: -1.63 (Cap -4..+1) = CCC |
What is the price of BNP shares?
Over the past week, the price has changed by +2.17%, over one month by +15.65%, over three months by +42.61% and over the past year by +50.23%.
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 | 94.7 | 1.6% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 124.9 | 34% |
BNP Fundamental Data Overview February 03, 2026
P/E Trailing = 9.5397
P/E Forward = 7.8616
P/S = 2.1751
P/B = 0.8119
P/EG = 2.8085
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 = 188.35b EUR (101.95b + Debt 401.86b - CCE 315.45b)
Interest Coverage Ratio = 0.25 (Ebit TTM 15.95b / Interest Expense TTM 63.50b)
EV/FCF = 11.58x (Enterprise Value 188.35b / FCF TTM 16.26b)
FCF Yield = 8.63% (FCF TTM 16.26b / Enterprise Value 188.35b)
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 = 45.43% ((Revenue TTM 116.36b - Cost of Revenue TTM 63.50b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.07 (Enterprise Value 188.35b / 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 = 0.59% (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 = 10.67% (E(101.95b)/V(503.80b) * Re(6.63%) + D(401.86b)/V(503.80b) * Rd(15.80%) * (1-Tc(0.26)))
Discount Rate = 6.63% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -2.55%
[DCF Debug] Terminal Value 73.10% ; FCFF base≈16.26b ; Y1≈20.06b ; Y5≈34.17b
Fair Price DCF = 256.7 (EV 373.08b - Net Debt 86.41b = Equity 286.67b / Shares 1.12b; r=10.67% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 26.53 | 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=2.63 | Chg30d=+0.119 | Revisions Net=+2 | Analysts=3
EPS next Year (2026-12-31): EPS=11.39 | Chg30d=+0.086 | Revisions Net=+5 | Growth EPS=+11.5% | Growth Revenue=+5.8%