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BNP Paribas SA (BNP) Fair Value & Analysis

Financial Services · DE · Market cap €102B

BP BNP Paribas SA BNP · XETRA
Price€102.90
Fair Value€144.46
Upside+40.4%
Quality63/100
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Evidence: High Range €108.35 – €180.58

Fair value as of: Jun 26, 2026

From 26 valuation models · updated 6 days ago

Fair value updated Jun 26, 2026 — revised from €159.73 to €144.46 (−9.6%) since Jun 24, 2026. Share price +8.5% over the past month.

Price vs Fair Value (12 months)

€103.34 €63.67 Fair Value €144.46 Jul 2025 Jul 2026

12‑month range €63.67 – €103.34 · fair‑value band €108.35 – €180.58 · the €102.90 price screens below the €144.46 fair value. As of Jun 26, 2026.

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Analysis

BNP Paribas SA (BNP) currently trades at €102.90, while our model-based Fair Value estimate is €144.46 — implying the stock looks roughly 40.4% undervalued today. We read business quality at 63/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

Over the trailing twelve months, BNP Paribas SA generated revenue of €49.1B at a net margin of 25.5%. Revenue grew 9.3% year over year. It earns a return on equity of 9.6%. Net debt stands at €482B. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) €49.1B
Revenue growth (YoY) +9.3%
Net margin 25.5%
Return on equity 9.6%
Free cash flow €12.3B FY2025
P/E ratio 8.8
More key figures
Operating margin 35.6%
EPS (TTM) €10.60
Dividend yield 5.6%
EPS growth (YoY) +12.0%
Net debt €482B FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

BNP Paribas SA provides various banking and financial products and services in Europe, the Middle East, Africa, the Americas, and the Asia Pacific. It operates through three divisions: Corporate & Institutional Banking; Commercial, Personal Banking & Services; and Investment & Protection Services. The Corporate & Institutional Banking division offers capital market, securities, financing, risk management, securities clearing, custody, consulting, transaction banking, cash management, investment banking, and financial advisory services for corporate and institutional clients. Its Commercial, Personal Banking & Services division provides financing and equipment leasing services, lending, investment, financial and non-financial services, mobility, and digital banking services, as well as current accounts, savings products, bancassurance, insurance products and services, and consumer loans. The Investment & Protection Services division provides protection, savings, investment, and real …

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

BNP Paribas SA reported revenue of €119B in FY2025 versus €108B in FY2021, a compound +2.5%/yr. Reported net income was €12.2B in FY2025, compounding +6.5%/yr from FY2021.

Revenue +2.5%/yr
FY21 €108B
FY22 €77.6B
FY23 €43.0B
FY24 €45.7B
FY25 €119B
Net income +6.5%/yr
FY21 €9.5B
FY22 €9.8B
FY23 €11.0B
FY24 €11.7B
FY25 €12.2B

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Frequently asked questions

Is BNP Paribas SA (BNP) undervalued?
As of Jun 26, 2026, our model estimates a fair value of €144.46 versus a price of €102.90 — about +40% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BNP?
Our model-based fair value for BNP Paribas SA is €144.46 (as of Jun 26, 2026), built from audited fundamentals. The current price is €102.90.
What is the quality score of BNP?
BNP Paribas SA has a Quality Score of 63/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of BNP Paribas SA (BNP)?
BNP Paribas SA reported trailing-twelve-month revenue of about €49.1B (latest available figure, as of Jun 26, 2026).
What is the net profit margin of BNP?
The net profit margin of BNP Paribas SA is about 25.5%, meaning it keeps roughly 25.5% of revenue as net income. Based on the latest reported figures.
Does BNP Paribas SA pay a dividend?
BNP Paribas SA currently shows a dividend yield of about 5.63% relative to its recent price (as of Jun 26, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.