BNP Paribas (BNP) AI Stock Analysis

• Market Cap: €88.97B
• Dividend Yield: 9.16%
• Average Volume (3M): 2.24M
• Price to Earnings (P/E): 8.6
• Beta (1Y): 1.25
• 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: €84.71
• Price Target Upside: 5.10% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 10
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: €85.00 ▲(5.46% Upside)

BNP Paribas scores highly due to its strong technical indicators and attractive valuation, with a low P/E ratio and high dividend yield. Financial performance is solid but tempered by challenges in revenue growth and cash flow generation. The absence of earnings call data and corporate events does not impact the score.

Positive Factors

Strong Profitability

The company's strong EBIT margin and asset management indicate robust operational efficiency, which supports long-term financial health and competitiveness.

Strategic Partnerships

Involvement in large-scale financing projects highlights BNP Paribas's strategic partnerships, enhancing its market position and revenue diversification.

Operational Efficiency

A high gross profit margin reflects effective cost management and operational efficiency, supporting sustained profitability and competitive advantage.

Negative Factors

Inconsistent Revenue Growth

Erratic revenue growth can undermine financial stability and investor confidence, posing challenges for long-term strategic planning and investment.

Negative Free Cash Flow

Negative free cash flow indicates potential liquidity issues, limiting the company's ability to reinvest in growth opportunities and manage debt effectively.

High Debt-to-Equity Ratio

A high debt-to-equity ratio can increase financial risk, impacting the company's ability to withstand economic downturns and invest in future growth.

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 avenues, primarily through its banking operations. Key revenue streams include interest income from loans and advances, fees from banking services, asset management fees, and commissions from investment banking activities. The bank's retail banking segment contributes significantly to its earnings through personal and business banking services. Corporate and institutional banking provides revenues through advisory services, capital markets activities, and trade finance. Additionally, BNP Paribas has strategic partnerships and joint ventures that enhance its service offerings and market reach, which further contribute to its overall profitability.

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: Positive
• Last Price: 80.60
• 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 FR:BNP, the sentiment is Positive. The current price of 80.6 is above the 20-day moving average (MA) of 76.10, above the 50-day MA of 71.91, and above the 200-day MA of 72.94, indicating a bullish trend. The MACD of 2.52 indicates Negative momentum. The RSI at 74.66 is Negative, neither overbought nor oversold. The STOCH value of 92.21 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BNP	77 Outperform	€88.97B	8.55	9.50%	9.16%	-6.55%	14.18%
GLE	72 Outperform	€45.16B	10.81	7.47%	2.49%	-14.11%	180.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ACA	65 Neutral	€53.24B	7.56	10.82%	6.25%	-3.99%	14.76%