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BNP Paribas SA (BNPQY)
OTHER OTC:BNPQY
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BNP Paribas
(OTC:BNPQY)
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Select Model
Rating:72Outperform
Price Target:
$50.00
▲(10.30% Upside)
BNP Paribas scores well due to its strong financial position and attractive valuation, supported by effective cost management and revenue growth in key regions. However, technical indicators suggest bearish momentum, and operational challenges such as volatile revenues and negative cash flows pose risks. The earnings call provided a balanced view with both positive growth and some segment-specific challenges.
BNP Paribas (BNPQY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$102.50B
Dividend Yield3.43%
Average Volume (3M)257.70K
Price to Earnings (P/E)8.8
Beta (1Y)0.55
Revenue Growth-6.04%
EPS Growth14.88%
CountryUS
Employees178,000
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.63
Shares Outstanding2,261,621,300
10 Day Avg. Volume181,024
30 Day Avg. Volume257,696
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)N/A
P/FCF RatioN/A
Enterprise Value/Market Cap8.81
Enterprise Value/Revenue9.87
Enterprise Value/Gross Profit40.56
Enterprise Value/Ebitda74.19
Forecast
1Y Price Target
$50.00Price Target Upside10.30% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
BNP Paribas Business Overview & Revenue Model
Company DescriptionBNP 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 MoneyBNP Paribas generates revenue through a diversified business model that includes several key revenue streams. Retail banking contributes significantly to its earnings through interest income from loans and fees from banking services offered to individual and small business clients. Corporate and institutional banking provides revenue through fees and commissions for advisory services, capital markets activities, and transaction banking. Additionally, the investment solutions segment, which includes asset management and insurance services, contributes to revenue through management fees and premiums. The bank benefits from strategic partnerships and collaborations with various financial institutions and companies, enhancing its service offerings and market reach. Factors such as economic conditions, interest rate fluctuations, and regulatory changes also play a crucial role in shaping its financial performance.
BNP Paribas Earnings Call Summary
Earnings Call Date:Jul 24, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Oct 28, 2025
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.Q2-2025 Updates
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.
Record Performance in CIB
The Corporate and Institutional Banking (CIB) division achieved a record second quarter with a 4% year-on-year increase in revenues, driven by strong performance across Global Banking, Global Markets, and Securities Services.
Cost Efficiency and Savings
The company implemented EUR 190 million in cost savings in Q2, contributing to a positive jaws effect of 1.7 points, exceeding their target of 1.5 points.
Positive Performance in Euro-Med Region
Euro-Med reported a 22.7% increase in revenues, driven by improved margins in Poland and Turkey.
Personal Finance Growth
Personal Finance showed commercial performance improvement with loan growth of 2.7% and margin enhancements from repricing.
Insurance and Wealth Management Growth
Insurance revenues rose by 8.2%, and Wealth Management experienced a 6.1% increase due to strong inflows and transaction activity.
Negative Updates
Net Profit Decline
Net profit decreased by 4% year-on-year due to a low tax charge in Q2 2024.
Equities and Prime Services Challenges
Equities and Prime Services revenues were down 15% compared to the previous year, affected by high base effects and lower demand for structured products.
Asset Management Revenue Decline
Asset Management revenues decreased by 1.8% despite strong inflows, impacted by financial income challenges, particularly in real estate.
Pressure on Corporate Banking in Italy
BNL in Italy faced margin pressure within its Corporate Banking segment, affecting profitability.
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
BNP Paribas demonstrates a strong financial position with high equity and profitability, supported by a robust return on equity and net profit margin. However, operational challenges are evident in volatile revenues and negative cash flows, indicating a need for improved cash flow stability and operational efficiency.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.72
Positive
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.85
Very Positive
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.65
Positive
| 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 | 17.97B | 19.68B | -4.45B | -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
Positive
45.33
Price Trends
45.15
Positive
43.93
Positive
39.05
Positive
Market Momentum
0.11
Negative
51.54
Neutral
-28.74
Positive
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 45.33 is above the 20-day moving average (MA) of 44.81, above the 50-day MA of 45.15, and above the 200-day MA of 39.05, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 51.54 is Neutral, neither overbought nor oversold. The STOCH value of -28.74 is Positive, 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $80.07B | 13.89 | 10.78% | 3.20% | 3.60% | 22.68% | |
77 Outperform | $76.94B | 11.83 | 11.23% | 4.05% | 1.10% | 32.55% | |
72 Outperform | $102.50B | 8.84 | 9.19% | 3.43% | -6.04% | 14.88% | |
71 Outperform | $109.61B | 17.43 | 16.26% | 0.84% | 17.32% | 12.99% | |
68 Neutral | $163.72B | 20.98 | 13.57% | 0.20% | 2.48% | 0.37% | |
65 Neutral | $84.49B | 14.50 | ― | 2.29% | -2.22% | 24.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
BNPQY
BNP Paribas
45.33
13.34
41.70%
HDB
Hdfc Bank
34.15
3.19
10.30%
IBN
Icici Bank
30.62
0.97
3.27%
MFG
Mizuho Financial
6.85
2.67
63.88%
PNC
PNC Financial
203.32
24.93
13.97%
USB
US Bancorp
49.44
5.21
11.78%
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.