Want to see FR:BNP full AI Analyst Report?
Top Page
BNP Paribas
(BNP)
Select Model
Select Model
Rating:70Outperform
Price Target:
€111.00
▲(6.28% Upside)
Action:Upgraded
Date:08/06/26
The score is driven mainly by solid profitability but constrained by higher leverage and highly variable cash flows. Technicals are constructive with a strong trend, though overbought signals raise near-term pullback risk. Valuation is a key positive, supported by a low P/E and a high dividend yield.
Positive Factors
Recurring Profitability
A multi-year record of roughly €9.5–€11.7B in net income indicates recurring earnings capacity across cycles. Positive operating margins provide a base for capital generation, although annual margin comparability is uneven.
Negative Factors
Elevated Leverage
The sharp increase in debt relative to equity leaves BNP Paribas more sensitive to funding conditions, refinancing costs and credit-cycle stress. Persistently elevated leverage can constrain flexibility during periods of balance-sheet pressure.
Read all positive and negative factors
Positive Factors
Negative Factors
Recurring Profitability
A multi-year record of roughly €9.5–€11.7B in net income indicates recurring earnings capacity across cycles. Positive operating margins provide a base for capital generation, although annual margin comparability is uneven.
Read all positive factors
BNP Paribas (BNP) vs. iShares MSCI France ETF (EWQ)
Market Cap
€115.48B
Dividend Yield4.94%
Average Volume (3M)1.67M
Price to Earnings (P/E)9.0
Beta (1Y)1.27
Revenue Growth7.57%
EPS Growth22.65%
CountryFR
Employees180,000
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)11.56
Shares Outstanding1,116,784,800
10 Day Avg. Volume2,021,391
30 Day Avg. Volume1,668,266
Financial Highlights & Ratios
PEG Ratio1.04
Price to Book (P/B)0.72
Price to Sales (P/S)0.63
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
€119.14Price Target Upside14.08% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering10
EPS Forecast (FY)11.77
Revenue Forecast (FY)€55.04B
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 | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 152.34B | 144.38B | 153.52B | 140.64B | 100.88B | 109.95B |
| Gross Profit | 101.82B | 90.89B | 87.12B | 77.25B | 77.89B | 96.89B |
| EBITDA | 21.69B | 18.66B | 17.88B | 13.38B | 14.86B | 14.59B |
| Net Income | 13.58B | 12.22B | 11.69B | 10.97B | 9.85B | 9.47B |
Balance Sheet | ||||||
| Total Assets | 3.08T | 2.79T | 2.70T | 2.59T | 2.67T | 2.63T |
| Cash, Cash Equivalents and Short-Term Investments | 213.00B | 326.96B | 786.01B | 296.61B | 474.92B | 484.27B |
| Total Debt | 855.99B | 809.21B | 727.82B | 673.44B | 293.98B | 718.22B |
| Total Liabilities | 2.96T | 2.66T | 2.57T | 2.46T | 2.55T | 2.52T |
| Stockholders Equity | 120.06B | 125.51B | 128.14B | 123.74B | 121.24B | 117.89B |
Cash Flow | ||||||
| Free Cash Flow | 14.21B | 43.70B | -99.51B | -36.46B | 21.28B | 26.18B |
| Operating Cash Flow | 17.22B | 46.57B | -97.38B | -34.24B | 23.81B | 27.84B |
| Investing Cash Flow | 18.31B | -6.06B | -180.00M | 7.30B | -78.81B | 13.35B |
| Financing Cash Flow | -12.00B | -6.82B | -6.42B | -4.68B | 9.25B | 14.52B |
BNP Paribas Technical Analysis
Positive
104.44
Price Trends
105.79
Negative
99.10
Positive
90.92
Positive
Market Momentum
-1.09
Positive
45.99
Neutral
51.94
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 104.44 is below the 20-day moving average (MA) of 106.96, below the 50-day MA of 105.79, and above the 200-day MA of 90.92, indicating a neutral trend. The MACD of -1.09 indicates Positive momentum. The RSI at 45.99 is Neutral, neither overbought nor oversold. The STOCH value of 51.94 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | €115.48B | 9.04 | 11.06% | 4.94% | 7.57% | 22.65% | |
67 Neutral | €54.25B | 9.76 | 11.25% | 2.17% | 8.58% | 20.72% | |
65 Neutral | €57.48B | 9.31 | 9.43% | 6.01% | -0.91% | -10.42% | |
58 Neutral | €908.05M | 12.22 | 2.86% | 2.27% | -4.60% | 22.52% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
FR:BNP
BNP Paribas
104.54
32.51
45.13%
FR:CAF
CRCAM dlle-de France
114.24
28.19
32.76%
FR:CNDF
CRCAM Nord de France
30.80
8.73
39.57%
FR:ACA
Credit Agricole
18.81
3.90
26.15%
FR:GLE
Societe Generale
74.18
21.77
41.53%
FR:MLCFM
CFM Indosuez Wealth SA
1,260.00
78.02
6.60%
BNP Paribas Corporate Events
BNP Paribas Challenges Trial Court Ruling in Sudan-Related Case
Aug 23, 2026
BNP Paribas has issued a statement asserting that a trial court in the Sudan-related litigation misapplied Swiss law, committed significant legal errors, and disregarded key evidence indicating that the challenged transactions were permitted under...
BNP Paribas Publishes Second Amendment to 2025 Registration Document and Annual Report
Aug 5, 2026
BNP Paribas has published the second amendment to its Universal Registration Document and the French version of its 2025 annual financial report. The updated filing, registered with the Autorité des Marchés Financiers under number D.26-0...
BNP Paribas Updates Market on Share Capital and Voting Rights Structure
Aug 4, 2026
BNP Paribas announced that its share capital consists of 1,101,600,607 shares as of 31 July 2026, each conferring one voting right, resulting in a total of 1,101,600,607 voting rights. This disclosure, made in accordance with French commercial and...
Arval’s Athlon Deal Elevates BNP Paribas in European Vehicle Leasing
Jul 31, 2026
Arval, BNP Paribas’s long-term vehicle leasing and mobility solutions specialist, has completed the acquisition of Athlon, formerly part of Mercedes-Benz Group, on the previously announced timetable. The deal lifts Arval’s combined fle...
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.