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BNP Paribas (FR:BNP)
:BNP

BNP Paribas (BNP) AI Stock Analysis

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FR

BNP Paribas

(LSE:BNP)

Rating:77Outperform
Price Target:
€87.00
▲(11.34%Upside)
BNP Paribas scores well due to its attractive valuation metrics and positive technical indicators. Financial performance is solid, but challenges in cash flow generation and revenue consistency present risks. The absence of recent earnings call data or significant corporate events limits further insights.

BNP Paribas (BNP) vs. iShares MSCI France ETF (EWQ)

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 its diversified financial services across multiple sectors. In Retail Banking, the company earns money from interest income on loans and mortgages, fees from account maintenance, transactions, and other banking services. In Investment Solutions, revenue is derived from asset management services, insurance premiums, and wealth management fees. The Corporate & Institutional Banking division contributes through advisory services, underwriting, trading securities, and providing tailored financing solutions to corporate clients. Additionally, BNP Paribas benefits from strategic partnerships and joint ventures that enhance its market reach and capabilities, contributing to its earnings.

BNP Paribas Financial Statement Overview

Summary
BNP Paribas shows strong profitability with a robust EBIT margin and operational efficiency. However, revenue growth inconsistency and negative cash flows present challenges. While the balance sheet indicates financial stability, the high debt-to-equity ratio requires careful management.
Income Statement
75
Positive
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
70
Positive
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
60
Neutral
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
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
65.87B59.73B94.64B107.81B87.19B
Gross Profit
65.87B138.16B94.64B107.81B87.19B
EBIT
18.47B17.38B12.90B12.17B8.91B
EBITDA
23.46B13.38B19.02B-4.45B-4.07B
Net Income Common Stockholders
11.69B10.97B9.85B9.49B7.07B
Balance SheetCash, Cash Equivalents and Short-Term Investments
786.01B408.22B330.49B358.04B317.08B
Total Assets
2.70T2.59T2.67T2.63T2.49T
Total Debt
379.89B673.44B625.71B718.22B687.29B
Net Debt
-308.05B-408.22B151.66B233.95B274.71B
Total Liabilities
2.57T2.46T2.55T2.52T2.38T
Stockholders Equity
128.14B123.74B109.99B108.68B102.85B
Cash FlowFree Cash Flow
-99.51B-36.46B21.28B26.18B4.43B
Operating Cash Flow
-97.38B-34.24B23.81B27.84B5.21B
Investing Cash Flow
-180.00M-33.16B-78.81B13.35B133.27B
Financing Cash Flow
-6.42B-4.68B9.25B14.52B18.52B

BNP Paribas Technical Analysis

Technical Analysis Sentiment
Positive
Last Price78.14
Price Trends
50DMA
71.91
Positive
100DMA
69.13
Positive
200DMA
63.24
Positive
Market Momentum
MACD
1.58
Positive
RSI
64.71
Neutral
STOCH
70.34
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:BNP, the sentiment is Positive. The current price of 78.14 is above the 20-day moving average (MA) of 76.53, above the 50-day MA of 71.91, and above the 200-day MA of 63.24, indicating a bullish trend. The MACD of 1.58 indicates Positive momentum. The RSI at 64.71 is Neutral, neither overbought nor oversold. The STOCH value of 70.34 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FR:BNP.

BNP Paribas Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
FRBNP
77
Outperform
€88.26B8.179.58%6.13%5.65%11.45%
64
Neutral
$12.87B9.817.76%16985.65%12.28%-7.83%
€49.00B7.729.68%6.77%
€34.75B11.305.93%2.20%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FR:BNP
BNP Paribas
78.14
18.74
31.56%
GB:0HAI
Credit Agricole
16.28
2.28
16.29%
GB:0J6Y
Societe Generale
49.46
25.42
105.74%

BNP Paribas Corporate Events

BNP Paribas Announces Early Redemption of Subordinated Notes
Jan 21, 2025

BNP Paribas has announced the early redemption of its NOK 800,000,000 Floating Rate Subordinated Notes originally due in 2030. The redemption will occur on February 21, 2025, at a price of 100%, reflecting the company’s strategic financial management and potential impact on its liquidity and capital structure.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.