BNP Paribas SA (BNPQY)
OTHER OTC:BNPQY
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BNP Paribas
(OTC:BNPQY)
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Rating:66Neutral
Price Target:
$52.00
â–²(24.05% Upside)
Action:DowngradedDate:02/10/26
The score is driven by improved 2025 profitability and an attractive valuation (low P/E with a dividend), partly offset by highly variable cash flow history and elevated leverage sensitivity. Technicals are supportive but look overextended, adding near-term pullback risk.
Positive Factors
Diversified Universal Banking Model
BNP Paribas’s broad business mix across retail, corporate & institutional banking, asset and wealth management, and insurance provides durable revenue diversification. This integrated model supports cross-selling, steadier fee streams, and resilience to single-market downturns, benefiting long-term earnings stability and client retention.
Negative Factors
High and Variable Leverage
Elevated and fluctuating leverage increases sensitivity to funding costs, interest-rate moves, and regulatory scrutiny. High debt-to-equity amplifies earnings volatility and constrains strategic flexibility, making capital actions and dividend policy more dependent on macro conditions and regulatory capital requirements over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified Universal Banking Model
BNP Paribas’s broad business mix across retail, corporate & institutional banking, asset and wealth management, and insurance provides durable revenue diversification. This integrated model supports cross-selling, steadier fee streams, and resilience to single-market downturns, benefiting long-term earnings stability and client retention.
Read all positive factors
BNP Paribas (BNPQY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$115.93B
Dividend Yield2.41%
Average Volume (3M)112.27K
Price to Earnings (P/E)7.7
Beta (1Y)0.70
Revenue Growth-6.04%
EPS Growth14.88%
CountryUS
Employees178,000
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.55
Shares Outstanding2,209,300,300
10 Day Avg. Volume286,385
30 Day Avg. Volume112,270
Financial Highlights & Ratios
PEG Ratio1.02
Price to Book (P/B)0.72
Price to Sales (P/S)0.76
P/FCF Ratio7.66
Enterprise Value/Market Cap5.02
Enterprise Value/Revenue4.08
Enterprise Value/Gross Profit12.09
Enterprise Value/Ebitda39.41
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.87
Revenue Forecast (FY)$63.86B
BNP Paribas Business Overview & Revenue Model
Company Description
BNP Paribas SA provides a range of banking and financial services in Europe, North America, Asia Pacific, and internationally. The company offers corporate and institutional banking services, such as consulting, financing and transaction banking f...
How the Company Makes Money
BNP Paribas primarily makes money by earning net interest income and fee/commission income across its banking and investment platforms.
1) Net interest income (spread-based revenue)
- Retail and commercial banking: BNP Paribas takes in deposits a...
BNP Paribas Earnings Call Summary
Earnings Call Date:Jul 24, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Apr 30, 2026
Earnings Call Sentiment Neutral
The earnings call highlighted strong revenue growth, particularly in the CIB and Euro-Med regions, and effective cost management. However, challenges such as a decline in net profit, underperformance in some segments like Asset Management and Equities, and margin pressure in Italy were noted.Positive Updates
Strong Revenue Growth
BNP Paribas reported a 2.5% increase in revenues for the second quarter of 2025, with a projected revenue acceleration of more than 5% in the second half of the year.
Negative Updates
Net Profit Decline
Net profit decreased by 4% year-on-year due to a low tax charge in Q2 2024.
Read all updates
Q2-2025 Updates
Positive
Negative
Strong Revenue Growth
BNP Paribas reported a 2.5% increase in revenues for the second quarter of 2025, with a projected revenue acceleration of more than 5% in the second half of the year.
Read all positive updates
Company Guidance
During the second quarter of 2025, BNP Paribas reported a 2.5% increase in revenues, with the Corporate and Institutional Banking (CIB) division experiencing a 4% revenue growth. The Euro-Mediterranean region showed strong performance with a 22% revenue increase, while Personal Finance grew by 3%. The group's cost control measures led to EUR 190 million in additional savings in Q2, contributing to a positive jaws effect of 1.7 points, above the target of 1.5 points. The cost of risk was maintained at 38 basis points, within the guidance of less than 40 basis points. BNP Paribas aims to achieve a net profit exceeding EUR 12.2 billion for 2025, driven by expected revenue growth exceeding 5% in the second half, primarily from the Eurozone commercial banks and Personal Finance. The bank's CET1 ratio remained stable at 12.5%, and a share buyback program of EUR 1.80 billion was completed, with shares to be canceled. The group confirmed its distribution policy of a 60% payout, announcing an interim dividend of EUR 2.59 per share.BNP Paribas Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
44
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 119.13B | 45.74B | 43.03B | 77.63B | 107.81B |
| Gross Profit | 68.80B | 65.87B | 59.73B | 57.48B | 41.63B |
| EBITDA | 23.70B | 23.46B | 18.28B | 19.68B | 13.65B |
| Net Income | 11.74B | 11.69B | 10.97B | 9.85B | 9.49B |
Balance Sheet | |||||
| Total Assets | 2.79T | 2.70T | 2.59T | 2.67T | 2.63T |
| Cash, Cash Equivalents and Short-Term Investments | 326.96B | 308.05B | 296.61B | 474.92B | 484.27B |
| Total Debt | 398.49B | 727.82B | 673.44B | 293.98B | 718.22B |
| Total Liabilities | 2.66T | 2.57T | 2.46T | 2.55T | 2.52T |
| Stockholders Equity | 125.51B | 128.14B | 123.74B | 121.24B | 117.89B |
Cash Flow | |||||
| Free Cash Flow | 11.80B | -99.51B | -36.46B | -55.37B | 26.18B |
| Operating Cash Flow | 14.56B | -97.38B | -34.24B | -52.84B | 27.84B |
| Investing Cash Flow | -6.06B | -180.00M | 7.30B | -2.16B | 13.35B |
| Financing Cash Flow | -6.82B | -6.42B | -4.68B | 9.25B | 14.52B |
BNP Paribas Technical Analysis
Positive
41.92
Price Trends
51.87
Positive
49.15
Positive
46.41
Positive
Market Momentum
>-0.01
Negative
60.61
Neutral
98.21
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BNPQY, the sentiment is Positive. The current price of 41.92 is below the 20-day moving average (MA) of 48.86, below the 50-day MA of 51.87, and below the 200-day MA of 46.41, indicating a bullish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 60.61 is Neutral, neither overbought nor oversold. The STOCH value of 98.21 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BNPQY.
BNP Paribas Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $89.23B | 10.18 | 11.88% | 3.11% | 1.79% | 30.93% | |
69 Neutral | $98.51B | 18.92 | 15.95% | 0.85% | 10.85% | 7.98% | |
69 Neutral | $86.40B | 10.95 | 12.12% | 3.77% | 2.91% | 33.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $115.93B | 7.69 | 9.43% | 2.41% | -6.04% | 14.88% | |
66 Neutral | $133.98B | 21.06 | 13.09% | 3.03% | -1.78% | 0.65% | |
57 Neutral | $105.91B | 10.79 | 9.73% | 2.31% | -2.84% | 25.48% |
* Financial Sector Average
BNPQY
BNP Paribas
52.97
18.32
52.89%
HDB
Hdfc Bank
26.73
-6.66
-19.94%
IBN
Icici Bank
27.73
-3.40
-10.92%
MFG
Mizuho Financial
8.63
3.98
85.59%
PNC
PNC Financial
221.13
74.48
50.79%
USB
US Bancorp
55.66
19.34
53.25%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.