BNP Paribas Bank PolskaFRA:82MA -0.59%76 ROE % is 8.46% as of Mar. 2026, which is 68% above its 10-year median of 5.03. GuruFocus rates FRA:82MA with a GF Score™ of 76/100 and a GF Value™ of €22.29 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,524 Banks companies, BNP Paribas Bank Polska ranks better than 84.51% on this metric.
The historical rank and industry rank for BNP Paribas Bank Polska's ROE % or its related term are showing as below:
FRA:82MA'
s ROE % Range Over the Past 10 Years
Min: 1.24 Med: 5.03 Max: 18.54
Current: 16
During the past 13 years, BNP Paribas Bank Polska's highest ROE % was 18.54%. The lowest was 1.24%. And the median was 5.03%.
FRA:82MA's ROE % is ranked better than 84.51% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs FRA:82MA: 16.00
BNP Paribas Bank Polska (FRA:82MA) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, BNP Paribas Bank Polska's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
BNP Paribas Bank Polska ROE % vs Banks Industry
For the Banks industry and Financial Services sector, BNP Paribas Bank Polska's ROE % distribution charts can be found below:
* The bar in red indicates where BNP Paribas Bank Polska's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
BNP Paribas Bank Polska (FRA:82MA) has a ROE % of 8.46% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on BNP Paribas Bank Polska and its competitors. This is 68% above median its historical median of 5.03. Over the past decade, BNP Paribas Bank Polska's ROE % has ranged from 1.24 to 18.54. According to the industry distribution chart, BNP Paribas Bank Polska ranks #236 out of 1524 companies in the Banks industry, placing it in the top 15.5%.
Is BNP Paribas Bank Polska's ROE % too high?
BNP Paribas Bank Polska's current ROE % of 8.46% is 68% above median its 10-year median of 5.03. Over the past 10 years, this metric has ranged from a low of 1.24 to a high of 18.54. The Banks industry median ROE % is 10.22. BNP Paribas Bank Polska's value of 8.46% is 17.2% below this industry median. Based on the distribution chart, BNP Paribas Bank Polska ranks #236 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BNP Paribas Bank Polska has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BNP Paribas Bank Polska's ROE % compare to PNC?
According to the Banks industry distribution chart, BNP Paribas Bank Polska ranks #236 out of 1524 companies for ROE %. This places BNP Paribas Bank Polska in the top 16% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. BNP Paribas Bank Polska's value of 8.46% is 17.2% below this benchmark. Historically, BNP Paribas Bank Polska's own ROE % has ranged from 1.24 to 18.54 over the past decade. While the company's 10-year median is 5.03 vs. the industry median of 10.22, BNP Paribas Bank Polska has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BNP Paribas Bank Polska's current ROE % of 8.46% is 17.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on BNP Paribas Bank Polska and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BNP Paribas Bank Polska's current ROE % is 8.46%, which is 68% above median its own 10-year median of 5.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNP Paribas Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, BNP Paribas Bank Polska (FRA:82MA) is currently considered Significantly Overvalued. The stock's GF Value™ is €22.29, compared to a current price of €33.60 — trading 50.7% above its estimated fair value. The current ROE % is 8.46%, which is 68% above median its 10-year median of 5.03 and 17.2% below the Banks industry median of 10.22. BNP Paribas Bank Polska's overall GF Score™ is 76/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For BNP Paribas Bank Polska (FRA:82MA), the current ROE % is 8.46% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is BNP Paribas Bank Polska (FRA:82MA) Overvalued in 2026?
Based on GuruFocus' analysis, BNP Paribas Bank Polska stock appears to be overvalued.
The current stock price of €33.60 is trading 50.7% above its estimated GF Value™ of €22.29.
GuruFocus considers BNP Paribas Bank Polska to be Significantly Overvalued.
Key valuation signals for FRA:82MA:
ROE %: 8.46% (68% above median its 10-year median of 5.03)
GF Value™: €22.29 vs. price of €33.60 (50.7% above fair value)
Industry Position: 17.2% below the Banks median (#236 of 1524)
No single metric tells the full story. See the FRA:82MA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BNP Paribas Bank Polska SA is a universal commercial bank offering a wide range of banking services provided to individual and institutional customers in accordance with the scope of services specified in the Bank's Articles of Association. The Bank operates both in Polish zlotys and foreign currencies and actively participates in trading on domestic and foreign financial markets. In addition, through its subsidiaries, the Group conducts brokerage and leasing activities and provides other financial services. Its reportable operating segments include Retail and Business Banking, Small and Medium-Sized Enterprises (SME), Corporate Banking, Corporate and Institutional Banking (CIB), and Other Operations, including ALM Treasury and the Corporate Centre.
76GF Score
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