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BNP Paribas SA (BNPQY)
OTHER OTC:BNPQY
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BNP Paribas
(OTC:BNPQY)
76Outperform
BNP Paribas (BNPQY) vs. S&P 500 (SPY)
Market Cap
$84.41B
Dividend Yield4.4%
Average Volume (3M)18.52K
Price to Earnings (P/E)7.4
Beta (1Y)0.56
Revenue Growth5.70%
EPS Growth11.52%
CountryUS
Employees178,000
SectorFinancial
Sector Strength88
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.97
Shares Outstanding2,261,621,300
10 Day Avg. Volume55,550
30 Day Avg. Volume18,516
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)1.39
Price to Cash Flow (P/CF)N/A
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
BNP Paribas Business Overview & Revenue Model
Company DescriptionBNP Paribas (BNPQY) is a leading global financial services company headquartered in Paris, France. It operates in three primary business sectors: Retail Banking, Investment Solutions, and Corporate & Institutional Banking. The company provides a wide range of financial products and services, including personal and commercial banking, wealth management, asset management, and securities services. With a strong international presence, BNP Paribas serves clients across Europe, the Americas, Asia-Pacific, and other regions.
How the Company Makes MoneyBNP Paribas generates revenue through a diverse range of financial services. In Retail Banking, the company earns income from interest on loans, mortgages, and credit products provided to individuals and small businesses, as well as fees from account management, transactions, and other banking services. In Investment Solutions, BNP Paribas makes money through asset management fees, wealth management advisory services, and insurance products. The Corporate & Institutional Banking division generates significant revenue through underwriting, advisory services, trading in securities and derivatives, and corporate lending. Additionally, BNP Paribas benefits from strategic partnerships, joint ventures, and a global network that enhances its ability to offer comprehensive financial solutions to multinational corporations and institutional clients.
BNP Paribas Financial Statement Overview
Summary
BNP Paribas shows strong equity and profitability with high return on equity and net profit margin. However, it faces operational challenges with volatile revenues and negative cash flows. The company must stabilize cash flows and improve operational efficiency to mitigate high leverage risks typical in banking.Income Statement
BNP Paribas shows a volatile revenue trend with a significant increase in 2024 compared to 2023. The net profit margin is relatively high, showcasing effective cost management despite the absence of EBIT and EBITDA metrics. However, the fluctuating revenue growth rates and lack of EBIT margins indicate potential operational challenges.72
Positive
Balance Sheet
The company maintains a strong equity position with a robust equity ratio, supported by significant cash reserves and a manageable level of debt. The improving return on equity indicates efficient use of shareholder funds, although the overall high liabilities relative to total assets highlight leverage risks typical in the banking industry.85
Very Positive
Cash Flow
BNP Paribas experiences negative operating and free cash flows, indicating potential liquidity challenges. However, there is a substantial free cash flow improvement from 2023 to 2024, reflecting a positive trajectory in cash management. The operating cash flow to net income ratio suggests operational inefficiencies need addressing.65
Positive
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 65.87B | 43.03B | 94.64B | 107.81B | 87.19B | Gross Profit |
| 65.87B | 138.16B | 94.64B | 107.81B | 87.19B | EBIT |
| 0.00 | 40.20B | 12.90B | 12.17B | 8.91B | EBITDA |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | Net Income Common Stockholders |
| 11.69B | 10.97B | 9.85B | 9.49B | 7.07B |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 308.05B | 408.22B | 330.49B | 358.04B | 317.08B | Total Assets |
| 2.70T | 2.59T | 2.67T | 2.63T | 2.49T | Total Debt |
| 0.00 | 673.44B | 625.71B | 718.22B | 687.29B | Net Debt |
| -308.05B | -408.22B | 151.66B | 233.95B | 274.71B | Total Liabilities |
| 2.57T | 2.46T | 2.55T | 2.52T | 2.38T | Stockholders Equity |
| 128.14B | 123.74B | 109.99B | 108.68B | 102.85B |
| Cash Flow | Free Cash Flow | |||
| -99.51B | -36.46B | 21.28B | 26.18B | 4.43B | Operating Cash Flow |
| -97.38B | -34.24B | 23.81B | 27.84B | 5.21B | Investing Cash Flow |
| -180.00M | 7.30B | -78.81B | 13.35B | 133.27B | Financing Cash Flow |
| -6.42B | -4.68B | 9.25B | 14.52B | 18.52B |
BNP Paribas Technical Analysis
Positive
43.41
Price Trends
40.50
Positive
36.56
Positive
35.10
Positive
Market Momentum
0.73
Negative
62.44
Neutral
83.36
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BNPQY, the sentiment is Positive. The current price of 43.41 is above the 20-day moving average (MA) of 39.91, above the 50-day MA of 40.50, and above the 200-day MA of 35.10, indicating a bullish trend. The MACD of 0.73 indicates Negative momentum. The RSI at 62.44 is Neutral, neither overbought nor oversold. The STOCH value of 83.36 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BNPQY.
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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $61.47B | 11.30 | 11.15% | 3.98% | 3.46% | 19.01% | |
77 Outperform | $120.50B | 19.95 | 17.89% | 0.59% | 22.15% | 12.13% | |
76 Outperform | $84.41B | 7.39 | 9.69% | 4.40% | 5.70% | 11.52% | |
76 Outperform | $63.55B | 8.76 | 20.84% | 5.60% | -7.01% | 15.18% | |
76 Outperform | $56.17B | 11.67 | 9.95% | 4.20% | 36.29% | -19.79% | |
65 Neutral | $59.51B | 10.64 | 8.56% | 2.36% | 13.63% | 27.77% | |
64 Neutral | $12.64B | 9.74 | 8.05% | 17044.60% | 12.66% | -4.62% |
* Financial Sector Average
Performance Comparison
BNPQY
BNP Paribas
43.41
8.38
23.92%
IBN
Icici Bank
34.18
6.87
25.16%
ITUB
Itau Unibanco
6.20
0.81
15.03%
LYG
Lloyds Banking
3.75
1.24
49.40%
MFG
Mizuho Financial
4.92
0.95
23.93%
PNC
PNC Financial
165.54
14.71
9.75%
BNP Paribas Earnings Call Summary
Earnings Call Date:Apr 24, 2025
(Q1-2025)
| % Change Since: 3.63%|
Next Earnings Date:Jul 24, 2025
Earnings Call Sentiment Neutral
The earnings call reflected a balanced sentiment. While BNP Paribas demonstrated strong revenue growth in several divisions and maintained cost control, challenges such as the decline in net profit, economic uncertainties, and specific segment underperformance were notable. The overall outlook remains cautiously optimistic, with strategic initiatives and acquisitions expected to drive future growth.Q1-2025 Updates
Positive Updates
Strong Revenue Growth
Group revenues increased by 3.8% year-on-year, with operating divisions achieving a 6.1% increase. CIB had a record quarter with 12.5% revenue growth, driven by strong performance in global markets (up 17.3%) and Security Services (up 13.4%).
Cost Control and Savings
Achieved €190 million in cost savings in Q1, on track to meet the €600 million target for the year. Operating divisions achieved a positive jaws effect of 1.9 points.
Positive Outlook for IPS Division
IPS posted a 6.6% revenue growth, driven by Wealth Management and Insurance. The division is expected to become a significant growth driver for the group, with the AXA IM acquisition strengthening its position.
Stable CET1 Capital Ratio
Common Equity Tier 1 (CET1) ratio remained stable at 12.4%, comfortably above the SREP requirement and in line with the 12.3% target before FRTB.
Negative Updates
Decline in Net Profit
Net profit decreased by 4.9% due to lower contributions from the Corporate Center and the absence of exceptional items that benefited the previous year's first quarter.
Impact of Economic Uncertainty
Acknowledged elevated uncertainties in markets and economic environment, with potential impacts on investment and corporate decision-making due to geopolitical tensions and U.S. tariff policies.
CET1 Capital Ratio Impact from AXA IM Acquisition
Potential increase in CET1 impact from the AXA IM acquisition from 25 basis points to 35 basis points if the ECB's prudential treatment stance prevails.
Challenges in Personal Finance and Eurozone Banks
Personal Finance core only achieved 2% revenue growth in Q1, below the 5% annual target. Eurozone banks' NII showed a slow start, with particular pressure in Belgium and Italy.
Company Guidance
During the BNP Paribas First Quarter 2025 Results call, CEO Jean-Laurent Bonnafe and CFO Lars Machenil provided guidance reflecting a strong performance and reaffirmed their trajectory for 2024-2026. Key metrics included a 3.8% increase in revenues, with operating divisions up by 6.1%, and a notable 12.5% growth in CIB revenues. The company also reported a cost of risk at 33 basis points, below the guidance of 40 bps, and achieved €190 million in cost savings against a €600 million annual target. Despite a 4.9% drop in net profit due to lower contributions from the Corporate Center, the operating income grew by 6.7%. The CET1 ratio was reported at 12.4%, in line with guidance. The company confirmed its intention to distribute 60% of profits and announced a €1 billion share buyback to commence in the second quarter. BNP Paribas remains optimistic about achieving a return on tangible equity of 11.5% in 2025 and 12% in 2026, driven by strategic growth initiatives across its divisions.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.