BNP Paribas (BNPQY) AI Stock Analysis

• Market Cap: $112.29B
• Dividend Yield: 2.41%
• Average Volume (3M): 30.24K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 0.49
• Revenue Growth: -6.04%
• EPS Growth: 14.88%
• Country: US
• Employees: 178,000
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.57
• Shares Outstanding: 2,209,300,300
• 10 Day Avg. Volume: 41,683
• 30 Day Avg. Volume: 30,241
• PEG Ratio: 0.50
• Price to Book (P/B): 0.52
• Price to Sales (P/S): 1.47
• P/FCF Ratio: -0.68
• Enterprise Value/Market Cap: 1.54
• Enterprise Value/Revenue: 1.89
• Enterprise Value/Gross Profit: 7.76
• Enterprise Value/Ebitda: 14.19
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 6.68
• Revenue Forecast (FY): $63.10B

• Rating: 72 Outperform
• Price Target: $56.00 ▲(33.59% Upside)

BNP Paribas scores well due to its strong financial position and attractive valuation metrics. However, technical indicators suggest caution due to potential overbought conditions. The absence of recent earnings call data and corporate events limits additional insights.

Positive Factors

Diversified Revenue Streams

The company's diversified revenue streams across retail banking, corporate banking, and investment solutions provide stability and reduce dependency on any single market segment.

Strong Equity Position

A strong equity position with substantial cash reserves enhances financial stability, allowing BNP Paribas to withstand economic fluctuations and invest in growth opportunities.

Involvement in AI Financing

Participation in significant AI-related financing projects positions BNP Paribas to benefit from the growing demand for AI infrastructure, enhancing its market position in tech financing.

Negative Factors

Volatile Revenue Trends

Volatile revenue trends can indicate instability in business operations and market demand, potentially affecting long-term financial planning and investor confidence.

Negative Cash Flows

Negative cash flows suggest operational inefficiencies and liquidity challenges, which can constrain the company's ability to invest in growth and manage debt effectively.

Leverage Risks

High leverage can increase financial risk, especially in economic downturns, potentially impacting BNP Paribas's ability to meet its financial obligations and maintain profitability.

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 for corporate clients and institutional investors; capital markets investment and financing; securities clearing, and custody services. It also provides commercial, and personal banking and services, including financing and leasing services, financing of individuals, and digital banking services, as well as current and savings account products, equipment leasing and financing solutions, and consumer loans. In addition, the company offers investment and protection services, which includes borrowers' insurance, which protects the insured party from the unexpected when taking out a mortgage, personal, auto, or consumer loan; savings and protection solutions comprising life insurance, employee savings, retirement savings, etc.; asset management, wealth management, and real estate services. The company was formerly known as Banque Nationale de Paris and changed its name to BNP Paribas SA in May 2000. BNP Paribas SA was founded in 1822 and is headquartered in Paris, France.

How the Company Makes Money

BNP Paribas generates revenue through multiple key streams, including interest income from loans and advances provided to customers, fees from investment banking and advisory services, and commissions from asset management and wealth management services. The bank also earns income from trading and investment activities, which involve buying and selling financial instruments. Significant partnerships with other financial institutions and corporations enhance its service offerings and contribute to revenue generation. Additionally, the bank benefits from a strong retail banking presence, which provides a steady flow of deposits and transactions, further bolstering its earnings.

BNP Paribas Financial Statement Overview

Summary

BNP Paribas demonstrates a strong financial position with a high net profit margin and robust equity ratio. However, challenges are evident in volatile revenues and negative cash flows, indicating the need for improved operational efficiency and cash flow stabilization.

Income Statement

BNP Paribas shows a volatile revenue trend with a significant increase in 2024 compared to 2023. The net profit margin is relatively high, showcasing effective cost management despite the absence of EBIT and EBITDA metrics. However, the fluctuating revenue growth rates and lack of EBIT margins indicate potential operational challenges.

Balance Sheet

The company maintains a strong equity position with a robust equity ratio, supported by significant cash reserves and a manageable level of debt. The improving return on equity indicates efficient use of shareholder funds, although the overall high liabilities relative to total assets highlight leverage risks typical in the banking industry.

Cash Flow

BNP Paribas experiences negative operating and free cash flows, indicating potential liquidity challenges. However, there is a substantial free cash flow improvement from 2023 to 2024, reflecting a positive trajectory in cash management. The operating cash flow to net income ratio suggests operational inefficiencies need addressing.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	91.46B	45.74B	43.03B	77.63B	107.81B	87.19B
Gross Profit	22.26B	65.87B	59.73B	57.48B	41.63B	37.41B
EBITDA	12.17B	23.46B	18.28B	19.68B	13.65B	-4.07B
Net Income	10.63B	11.69B	10.97B	9.85B	9.49B	7.07B
Balance Sheet
Total Assets	2.85T	2.70T	2.59T	2.67T	2.63T	2.49T
Cash, Cash Equivalents and Short-Term Investments	315.45B	308.05B	296.61B	474.92B	484.27B	317.08B
Total Debt	401.86B	727.82B	673.44B	293.98B	718.22B	687.29B
Total Liabilities	2.72T	2.57T	2.46T	2.55T	2.52T	2.38T
Stockholders Equity	125.69B	128.14B	123.74B	121.24B	117.89B	112.80B
Cash Flow
Free Cash Flow	16.26B	-99.51B	-36.46B	-55.37B	26.18B	4.43B
Operating Cash Flow	18.48B	-97.38B	-34.24B	-52.84B	27.84B	5.21B
Investing Cash Flow	-2.48B	-180.00M	7.30B	-2.16B	13.35B	133.27B
Financing Cash Flow	2.02B	-6.42B	-4.68B	9.25B	14.52B	18.52B

BNP Paribas Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 41.92
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 47.56, below the 50-day MA of 43.58, and below the 200-day MA of 42.89, indicating a bullish trend. The MACD of 1.47 indicates Negative momentum. The RSI at 75.88 is Negative, neither overbought nor oversold. The STOCH value of 99.70 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
USB	76 Outperform	$85.82B	12.64	11.69%	3.77%	2.91%	33.77%
HDB	73 Outperform	$160.05B	20.08	14.17%	3.03%	-1.78%	0.65%
PNC	73 Outperform	$85.31B	14.04	11.31%	3.11%	1.79%	30.93%
BNPQY	72 Outperform	$112.29B	9.90	9.19%	2.41%	-6.04%	14.88%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MFG	64 Neutral	$97.22B	14.61	9.14%	2.31%	-2.84%	25.48%
IBN	63 Neutral	$111.24B	17.56	17.41%	0.85%	10.85%	7.98%