BNP Paribas (FR:BNP)
:BNP
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BNP Paribas
(BNP)
Select Model
Select Model
Rating:68Neutral
Price Target:
€88.00
▲(8.75% Upside)
Action:DowngradedDate: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
BNP Paribas' multi‑line model (retail, consumer finance, insurance, asset management, CIB) provides structural revenue diversification. That lowers single‑market cyclicality, enables cross‑sell, and supports steadier fee and interest income over a medium‑term horizon.
Negative Factors
Elevated leverage
A materially higher debt‑to‑equity ratio increases sensitivity to funding stresses and interest cost swings. Elevated leverage constrains strategic flexibility, raises regulatory and market scrutiny, and heightens capital and liquidity risk through credit cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified business model
BNP Paribas' multi‑line model (retail, consumer finance, insurance, asset management, CIB) provides structural revenue diversification. That lowers single‑market cyclicality, enables cross‑sell, and supports steadier fee and interest income over a medium‑term horizon.
Read all positive factors
BNP Paribas (BNP) vs. iShares MSCI France ETF (EWQ)
Market Cap
€89.39B
Dividend Yield9.16%
Average Volume (3M)2.24M
Price to Earnings (P/E)7.4
Beta (1Y)1.29
Revenue Growth-6.55%
EPS Growth14.18%
CountryFR
Employees178,000
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.63
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 Ratio7.36
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€102.22Price Target Upside26.32% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering10
EPS Forecast (FY)11.81
Revenue Forecast (FY)€54.50B
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 f...
How the Company Makes Money
BNP Paribas makes money primarily by earning net interest income, charging fees and commissions, and generating trading and investment-related income across its main business lines.
1) Net interest income (lending funded by deposits and wholesale...
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 | 12.28B | -99.51B | -36.46B | 21.28B | 26.18B |
| Operating Cash Flow | 15.16B | -97.38B | -34.24B | 23.81B | 27.84B |
| Investing Cash Flow | 25.35B | -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
Negative
80.92
Price Trends
89.34
Negative
82.83
Negative
78.81
Positive
Market Momentum
-2.17
Positive
36.11
Neutral
37.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:BNP, the sentiment is Negative. The current price of 80.92 is below the 20-day moving average (MA) of 85.76, below the 50-day MA of 89.34, and above the 200-day MA of 78.81, indicating a neutral trend. The MACD of -2.17 indicates Positive momentum. The RSI at 36.11 is Neutral, neither overbought nor oversold. The STOCH value of 37.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FR:BNP.
BNP Paribas Peers Comparison
UnderperformOutperform
Sector (55)
FR:BNP
BNP Paribas
80.92
11.04
15.79%
FR:ACA
Credit Agricole
15.85
0.15
0.93%
FR:GLE
Societe Generale
61.52
21.53
53.82%
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.