Rankings Financial data & insurance broking BNP Paribas
BNP Paribas
94
15070100
A view of the same findings, not a new score. How it works
In the 70+ zone: a score above 70 with more than 20% upside to the median analyst target.
Biggest deductions
- The Sudan lawsuit−5
- Profitability−4
- Multiples vs own history−4
Strengths
- Dividend and buybacks+3
- Capital target reached ahead of time+2
How the score is built
From 100 to 94, step by step: points off for the business, the price and the cracks, back for documented strengths, then three data adjustments.
Start
Score
Hover or select a step to see what drove it. Steps with findings open them below.
Key numbers
As of 3 Nov 2026. Analyst targets tend to be optimistic; read upside as a hint, not a forecast.
- Price
- 87.04 EUR
- Median analyst target
- 120.00 EUR
- Upside to median
- +37.9%
- Analysts
- 19
- Target range
- 96.50 – 139.00 EUR
- 52-week change
- +29%
- P/E (trailing)
- 7.6
- Forward P/E
- 6.8
- PEG
- 0.62
Findings
Every deduction and every plus, with its source. Open a step to read them.
Business
Is the company getting stronger, not just bigger? · 3 findings−7 of −30
- −4ProfitabilityROE 10.5% TTM (6.6–9.7% in 2021–2025) and cost/income 56.7% in Q2 2026; the target of RoTE above 13% and cost/income below 56% is not due until 2028. Clearly below the Nordic large banks (ROE about 14–15%, cost/income 40–45%).
- −2Quality of growthRevenue +11% TTM and Q2 +12%, but IPS' +27% is built on the AXA IM acquisition (organic pre-tax profit +5.9%), and Q2 net income includes EUR 858m in a one-off gain; adjusted about 3.4bn (about +5%). Analysts expect only +4% EPS for 2026.
- −1Business mixConglomerate with car leasing (Arval), consumer finance (Personal Finance), insurance and asset management alongside banking; Arval is pressured by falling used-car prices, and the AXA IM integration costs about EUR 800m in restructuring.
Price
Today's multiples against the company's own history and its peers. · 2 findings−5 of −35
- −4Multiples vs own historyP/B 0.78 vs 0.50–0.67 in 2021–2025 (record) and trailing P/E 8.5 vs 6.2–8.3 (top of the range); dividend yield 5.3% vs 6.8–9.8%. The share price has risen from 50.6 to 97.4 EUR since the end of 2024 (+93%), while EPS has risen from 9.57 to 11.55 (+21%).
- −1PeersP/B 0.78 and forward P/E 7.9 at ROE 10.5% vs Deutsche Bank (0.73/8.5/8.9%) and Danske Bank (1.82/13.0/13.9%); the discount to Nordic banks roughly matches the lower return and French sovereign risk.
Cracks
Cash flow, customers, debt, insiders, guidance and what sits behind the headline numbers. · 4 findings−9 of −35
- −5The Sudan lawsuitA US jury awarded three bellwether plaintiffs about USD 20m in the case alleging complicity in genocide in Sudan, but the class action covers about 23,000 plaintiffs; the bank has made no provision and has appealed to the Second Circuit (statement Aug. 2026). The stock fell by up to 9% on the verdict, and a final lost case could cost billions.
- −2French government debt and politicsFrench banks fell 3–4% on 27 Aug. on concern over public finances: 10-year OAT yield about 4.1%, spread to Germany about 88bp (highest since 2024), a fragmented National Assembly before the presidential election in spring and a proposal for a tax on dividends and buybacks. The stock has fallen from about 106 (50-day average) to EUR 97.4.
- −1Capital bufferCET1 13.0% vs an SREP requirement of 10.43% (buffer 257 bp), and the goal is to hold 13%; markedly thinner than at the Nordic banks (about 17%).
- −1
Plus
Only documented strengths. · 2 findings+5 of +15
- +3Dividend and buybacksDividend 8.3bn + buybacks EUR 3.9bn (TTM) = 12.2bn, below net profit of 12.8bn; share count −2.1% over a year, total shareholder yield 7.3%, and the interim dividend raised 24.7% to EUR 3.23 (payout at least 60% of earnings).
- +2Capital target reached ahead of timeThe CET1 target of 13% reached 18 months ahead of plan, the savings programme increased from EUR 700m to 1bn, and the target of over 10% annual growth in net profit 2025–2028 confirmed.
Caveats
What the score does not capture, or where the data is weak.
Bank: EV, ROIC and FCF are not meaningful (stockanalysis' FCF swings between −100 and +44bn due to balance sheet movements); valuation on P/B and P/E, and the payout is held against net profit. Stockanalysis' P/B (0.78) is based on equity including hybrid capital; the company's tangible book value per share is EUR 98.4, i.e. P/TBV about 1.0. Q2 net profit (EUR 4.35bn, +33%) includes a one-off gain of 858m from AGI/Ageas; adjusted about 3.4bn. Revenue growth is lifted by the acquisition of AXA IM. Consensus EPS is adjusted (non-GAAP). Arval, Personal Finance and corporate credit quality have not been investigated in depth. Q3 results 28 Oct.
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