What if I had invested in BNP Paribas
Every lump sum scenario for BNP Paribas, start year by start year, using real prices and each month's exchange rate.
Since December 2003, BNP Paribas (a stock listed in Paris and quoted in euros) returned only +2.3% a year in dollar terms, +69.6% over nearly 23 years. Over the period, its monthly close ranged from a low of €25.73 (May 2012) to a high of €110 (July 2026), split-adjusted. Of the 275 possible purchase months since December 2003, 91% would show a gain today for a lump sum: the entry point mattered.
Data: Yahoo Finance monthly closing prices, up to date as of (latest update November 5, 2026) MethodAuthor: Yann Avondo
If I had invested $1,000 as a lump sum in BNP Paribas in January 2016, today I would have $1,846
Over the same period
Worst moment: −63.3% between January 2018 and March 2020. To get this result, you had to hold on without selling.
BNP Paribas at a glance
BNP Paribas is the largest eurozone bank. Its stock was hit hard by the 2008 crisis and the 2011 sovereign debt crisis, and remains very sensitive to interest rates.
Its worst fall, 75.0% in dollar terms between May 2007 and March 2020, was only erased in July 2026, 19 years and 2 months after the peak. Its best calendar year was 2009 (+89.4%), its worst 2008 (−61.0%); in all, 12 up years out of 22. Against the MSCI World, this calculator's yardstick (+7.0% a year in dollar terms over the same period), BNP Paribas did worse.
$1,000 invested in BNP Paribas, by start year
Bought in January, valued at the latest price. Click a year for the full story.
| Start | Worth today | Multiple | Per year |
|---|---|---|---|
| $1,711 | ×1.71 | +32.3% | |
| $1,524 | ×1.52 | +15.5% | |
| $1,846 | ×1.85 | +16.9% | |
| $1,532 | ×1.53 | +9.1% | |
| $1,989 | ×1.99 | +12.3% | |
| $1,782 | ×1.78 | +8.7% | |
| $2,335 | ×2.33 | +11.3% | |
| $1,411 | ×1.41 | +3.9% | |
| $1,655 | ×1.66 | +5.2% | |
| $1,846 | ×1.85 | +5.8% | |
| $1,760 | ×1.76 | +4.9% | |
| $1,348 | ×1.35 | +2.3% | |
| $1,872 | ×1.87 | +4.6% | |
| $2,681 | ×2.68 | +6.8% | |
| $1,665 | ×1.66 | +3.3% | |
| $1,317 | ×1.32 | +1.6% | |
| $2,493 | ×2.49 | +5.2% | |
| $973 | ×0.97 | −0.1% | |
| $966 | ×0.97 | −0.2% | |
| $1,315 | ×1.32 | +1.3% | |
| $1,474 | ×1.47 | +1.8% | |
| $1,696 | ×1.7 | +2.3% |
Lump sum or DCA in BNP Paribas?
Since January 2016, investing in BNP Paribas all at once (lump sum) multiplied the stake by ×1.85, +5.8% a year. Investing every month (DCA) multiplied the total contributions by ×1.75, an annual return (IRR) of +9.8%.
Here DCA did better: spreading the purchases avoided putting all the money in at the wrong time.
Frequently asked questions
How much would $1,000 invested in BNP Paribas 10 years ago be worth today?
$1,000 invested in BNP Paribas in January 2016 would be worth about $1,846 today, an average annual return of +5.8% (price only, in the displayed currency).
What if I had invested $1,000 in BNP Paribas in 2015?
Invested in January 2015, $1,000 would be worth about $1,760 today, +4.9% a year on average.
What if I had invested $1,000 in BNP Paribas in 2020?
Invested in January 2020, $1,000 would be worth about $1,782 today, +8.7% a year on average.
What was the best year to invest in BNP Paribas?
Among the start years covered, 2012 gave the best result: $1,000 would have become $2,681. The weakest was 2007, worth $966 today. This ranking is only known with hindsight.
Are dividends included?
By default, the calculation follows the market price only. The "Reinvest dividends" option uses the adjusted price, which includes dividends paid and stock splits: the closest measure of what an investor actually earned.
Are exchange rates taken into account?
Yes. BNP Paribas trades in its own currency; every purchase and valuation is converted at that month's exchange rate. A US asset can gain in dollars and less in euros if the dollar weakened.
Are fees and taxes included?
No: results are before brokerage fees, fund fees and taxes. Your net result depends on the account you invest through.
Compare with
Before you have regrets
What this calculation does not tell you.
Hindsight bias
Picking Nvidia or Bitcoin today means picking known winners. Back then, nothing set them apart from hundreds of assets that went nowhere or vanished.
Holding on was the real test
The result assumes you never sold, including through the drawdowns shown above. Very few investors actually do.
The broad market, no bet required
The MSCI World never makes headlines, but it does not require guessing the winner. It is the fairest yardstick for any pick.
Method: past performance, computed from split-adjusted monthly closing prices (intra-month lows are smoothed out). Converted at each month’s exchange rate; no fees, no taxes. The MSCI World benchmark is the price index, excluding dividends. Sources: Yahoo Finance (prices, exchange rates, US Treasury bills), Eurostat (inflation), published regulated rates (Livret A). Not investment advice. NokxiHub.