BNP Paribas (BNP) AI Stock Analysis

• Market Cap: €73.62B
• Dividend Yield: 10.65%
• Average Volume (3M): 2.24M
• Price to Earnings (P/E): 7.0
• Beta (1Y): 1.27
• Revenue Growth: -6.55%
• EPS Growth: 14.18%
• Country: FR
• Employees: 178,000
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.69
• Shares Outstanding: 1,116,784,800
• 10 Day Avg. Volume: 2,668,600
• 30 Day Avg. Volume: 2,236,784
• PEG Ratio: 0.50
• Price to Book (P/B): 0.52
• Price to Sales (P/S): 1.47
• P/FCF Ratio: -0.67
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €87.47
• Price Target Upside: 26.24% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 10
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 64 Neutral
• Price Target: €74.00 ▲(6.80% Upside)

BNP Paribas's stock score is primarily influenced by its strong valuation, with a low P/E ratio and high dividend yield. Financial performance is solid but hampered by inconsistent revenue growth and negative cash flow. Technical analysis indicates bearish momentum, but the oversold RSI suggests potential for a rebound.

BNP Paribas Business Overview & Revenue Model

Company Description

BNP Paribas is a leading global banking and financial services company headquartered in Paris, France. It operates in various sectors including retail banking, corporate and institutional banking, investment solutions, and asset management. BNP Paribas offers a wide range of products and services, including personal and corporate loans, wealth management, investment banking, and insurance, catering to both individual and corporate clients across the globe.

How the Company Makes Money

BNP Paribas generates revenue through multiple streams. Its primary revenue source is interest income from loans and advances provided to clients, both in retail and corporate banking. Additionally, the bank earns fees from various services such as asset management, investment banking advisory, and transaction services. The corporate and institutional banking division contributes significantly through capital markets activities, derivatives trading, and underwriting services. Furthermore, partnerships with fintech companies and other financial institutions enhance its service offerings and revenue potential. Overall, BNP Paribas's diversified business model helps mitigate risks and maintain steady earnings across different market conditions.

BNP Paribas Financial Statement Overview

Summary

BNP Paribas demonstrates strong profitability and asset management, with a high EBIT margin and robust return on equity. However, challenges in revenue growth consistency and negative free cash flow impact the overall financial performance.

Income Statement

BNP Paribas shows a strong EBIT margin and consistent net income, indicating profitability. However, revenue growth has been erratic, with fluctuations over the years, impacting overall income stability. High gross profit margin underscores operational efficiency.

Balance Sheet

The company maintains a healthy equity ratio, suggesting financial stability. However, the debt-to-equity ratio is relatively high, posing potential risks if not managed carefully. Return on equity has been robust, reflecting effective use of shareholder funds.

Cash Flow

Free cash flow has been negative recently, suggesting challenges in generating cash from operations. While operating cash flow fluctuates, the ability to cover net income is pressured. Ongoing management of capital expenditures is crucial to improve cash flow health.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	91.46B	45.74B	42.82B	42.47B	107.81B	87.19B
Gross Profit	24.96B	65.87B	59.73B	42.47B	41.63B	37.41B
EBITDA	12.17B	23.46B	17.97B	19.68B	13.65B	10.34B
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	786.01B	296.61B	474.92B	484.27B	816.00B
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	21.28B	26.18B	4.43B
Operating Cash Flow	18.48B	-97.38B	-34.24B	23.81B	27.84B	5.21B
Investing Cash Flow	-2.48B	-180.00M	7.30B	-78.81B	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: Neutral
• Last Price: 69.29
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:BNP, the sentiment is Neutral. The current price of 69.29 is above the 20-day moving average (MA) of 68.23, below the 50-day MA of 72.97, and below the 200-day MA of 71.66, indicating a neutral trend. The MACD of -1.86 indicates Negative momentum. The RSI at 48.96 is Neutral, neither overbought nor oversold. The STOCH value of 83.77 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FR:BNP.

BNP Paribas Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GLE	72 Outperform	€37.16B	8.66	7.47%	1.04%	-14.11%	180.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ACA	65 Neutral	€47.43B	6.72	10.82%	6.87%	-3.99%	14.76%
BNP	64 Neutral	€73.62B	7.00	9.50%	10.65%	-6.55%	14.18%