BNP Paribas (FR:BNP)
:BNP
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BNP Paribas
(BNP)
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Rating:68Neutral
Price Target:
€110.00
▲(16.67% Upside)
Action:Downgraded
Date:02/07/26
The score is driven primarily by mixed financial quality—steady profitability but constrained by high leverage and volatile cash flows—while valuation is a clear positive (low P/E and high dividend yield). Technicals are supportive but somewhat overextended (RSI ~75), moderating the overall rating.
Positive Factors
Diversified business model
A broad mix across retail, corporate, markets, asset management and insurance creates structural revenue diversification. That multi-line model reduces single-cycle exposure, helps smooth earnings over credit/market cycles, and supports multiple long-term fee and spread-based cash flows.
Negative Factors
High and rising leverage
A materially higher debt-to-equity ratio raises sensitivity to funding stress and interest rate moves. Elevated leverage reduces capital buffers, constrains strategic flexibility, and increases the probability of needing external capital or balance-sheet actions in adverse cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified business model
A broad mix across retail, corporate, markets, asset management and insurance creates structural revenue diversification. That multi-line model reduces single-cycle exposure, helps smooth earnings over credit/market cycles, and supports multiple long-term fee and spread-based cash flows.
Read all positive factors
BNP Paribas (BNP) vs. iShares MSCI France ETF (EWQ)
Market Cap
€111.68B
Dividend Yield9.16%
Average Volume (3M)2.24M
Price to Earnings (P/E)9.6
Beta (1Y)1.26
Revenue Growth-4.91%
EPS Growth7.63%
CountryFR
Employees178,000
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)10.26
Shares Outstanding1,116,784,800
10 Day Avg. Volume2,668,600
30 Day Avg. Volume2,236,784
Financial Highlights & Ratios
PEG Ratio0.98
Price to Book (P/B)0.72
Price to Sales (P/S)0.76
P/FCF Ratio2.07
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€106.44Price Target Upside12.90% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering10
EPS Forecast (FY)11.69
Revenue Forecast (FY)€54.43B
BNP Paribas Business Overview & Revenue Model
Company Description
BNP Paribas SA operates as a global financial services powerhouse, delivering a comprehensive array of banking solutions throughout Europe, North America, Asia Pacific, and other international markets. Its corporate and institutional division cate...
How the Company Makes Money
BNP Paribas primarily generates revenue through a mix of net interest income, fees and commissions, and trading/market-related income across its business lines. (1) Net interest income: In its retail and commercial banking activities, the bank ear...
BNP Paribas Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
45
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 119.13B | 45.74B | 42.82B | 42.47B | 107.81B |
| Gross Profit | 68.80B | 65.87B | 59.73B | 42.47B | 41.63B |
| EBITDA | 18.66B | 23.46B | 17.97B | 19.68B | 13.65B |
| Net Income | 12.22B | 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 | 786.01B | 296.61B | 474.92B | 484.27B |
| Total Debt | 809.21B | 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 | 43.70B | -99.51B | -36.46B | 21.28B | 26.18B |
| Operating Cash Flow | 46.57B | -97.38B | -34.24B | 23.81B | 27.84B |
| Investing Cash Flow | -6.06B | -180.00M | 7.30B | -78.81B | 13.35B |
| Financing Cash Flow | -6.82B | -6.42B | -4.68B | 9.25B | 14.52B |
BNP Paribas Technical Analysis
Positive
94.28
Price Trends
90.74
Positive
88.56
Positive
81.13
Positive
Market Momentum
2.72
Negative
73.46
Negative
96.58
Negative
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 94.28 is below the 20-day moving average (MA) of 94.38, above the 50-day MA of 90.74, and above the 200-day MA of 81.13, indicating a bullish trend. The MACD of 2.72 indicates Negative momentum. The RSI at 73.46 is Negative, neither overbought nor oversold. The STOCH value of 96.58 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FR:BNP.
BNP Paribas Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | €111.68B | 9.55 | 9.43% | 9.16% | -4.91% | 7.63% | |
60 Neutral | €53.30B | 7.55 | 10.82% | 6.26% | -10.60% | 6.38% | |
57 Neutral | €975.13M | 14.45 | 2.58% | 2.14% | -7.49% | 23.13% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | €49.96B | 7.61 | 9.61% | 2.49% | 2.99% | 44.47% |
* General Sector Average
FR:BNP
BNP Paribas
101.58
31.80
45.58%
FR:CAF
CRCAM dlle-de France
122.16
51.86
73.77%
FR:CNDF
CRCAM Nord de France
30.57
13.65
80.63%
FR:ACA
Credit Agricole
17.70
3.12
21.41%
FR:GLE
Societe Generale
77.67
31.17
67.01%
FR:MLCFM
CFM Indosuez Wealth SA
1,330.00
148.02
12.52%
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.