BMW vs NIO (BMW.DE vs NIO)
BMW (BMW.DE) vs NIO (NIO) in plain English: P/E, growth, margins, debt and dividend side by side, key differences and which fits each investor profile.
BMW (BMW.DE) and NIO (NIO) compete in automotive. Here are BMW and NIO side by side with their real figures as of November 4, 2026: what sets them apart, which fits each kind of investor and the most common questions, without telling you whether to buy BMW or NIO.
BMW vs NIO: the figures
| Figure | BMW | NIO |
|---|---|---|
| Share price | €60.98 (November 4, 2026) | $3.30 (November 4, 2026) |
| Market cap | €36.5 billion | $8.3 billion |
| P/E (TTM) | 5.9x | N/A |
| Forward P/E | 7.1x | 4.0x |
| Revenue growth (quarter) | -7.9% | +69.1% |
| Net margin (TTM) | 4.9% | -4.2% |
| Net debt / EBITDA | 7.3x | Net cash |
| Dividend yield | 7.48% | 0.00% |
| Beta | 0.81 | 0.90 |
BMW and NIO figures from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026; N/A means that BMW or NIO figure is not available, and we never estimate it.
3 key differences between BMW and NIO
- Growth: NIO grew sales +69.1% year on year in its latest quarter, against -7.9% for BMW.
- Debt: BMW owes 7.3x its annual operating profit (EBITDA), while NIO holds more cash than debt.
- Dividend: BMW pays a dividend yielding 7.48% and NIO pays none.
BMW or NIO: which fits your profile
- If you want growth: NIO is growing faster today, so it fits better with investors who put business growth first, usually accepting a higher P/E and a bumpier ride.
- If you want income (dividends): BMW pays the higher dividend relative to its price.
- If you prefer caution: NIO has less debt relative to its profit, which usually gives more room in a bad year.
Neither BMW nor NIO wins on everything, and owning both is also an option: spreading money across several companies or an index fund reduces what rides on each one.
How BMW and NIO make money
BMW (BMW.DE)
BMW earns most of its money in its Automotive segment, selling BMW, MINI and Rolls-Royce cars. It also has Motorcycles (BMW Motorrad) and Financial Services, which provides loans and leases to its car buyers. Its biggest markets are Europe, China and the US. Full BMW analysis.
NIO (NIO)
NIO builds and sells electric cars in China under three brands: premium NIO, family-focused ONVO and small-car brand firefly. Vehicle sales are its main revenue source, with the rest from services such as its battery-swap station network, battery subscriptions and parts. Its ADRs trade in New York. Full NIO analysis.
Frequently asked questions: BMW vs NIO
Is BMW or NIO the better stock?
Choosing between BMW and NIO depends on what you are looking for. NIO is growing faster right now. Fintols does not tell you whether to buy BMW or NIO: it shows you the differences so you can decide.
Which pays a higher dividend, BMW or NIO?
As of November 4, 2026, BMW yields 7.48% and NIO pays none. Also check how much of their profit BMW and NIO pay out: if it is more than they earn, it cannot last.
Can I own both BMW and NIO?
Yes. Many people spread their money across several companies, such as BMW and NIO, or use index funds so they do not depend on just one. If you are starting out, decide how much you want to invest and for how long before buying BMW or NIO.
More comparisons with BMW or NIO
More companies like BMW and NIO: automotive stocks. Educational content about BMW and NIO, not investment advice.