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BANCO COMERCIAL PORTUGUES-R (BCP.LS) Stock Fundamental Analysis

ELI:BCP - Euronext Lisbon - PTBCP0AM0015 - Common Stock - Currency: EUR

0.682  0 (0%)

Fundamental Rating

3

BCP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 92 industry peers in the Banks industry. Both the profitability and financial health of BCP have multiple concerns. BCP is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BCP had positive earnings in the past year.
In the past year BCP had a positive cash flow from operations.
BCP had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: BCP reported negative operating cash flow in multiple years.
BCP.LS Yearly Net Income VS EBIT VS OCF VS FCFBCP.LS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.92%, BCP is in line with its industry, outperforming 59.78% of the companies in the same industry.
BCP has a better Return On Equity (13.20%) than 69.57% of its industry peers.
Industry RankSector Rank
ROA 0.92%
ROE 13.2%
ROIC N/A
ROA(3y)0.68%
ROA(5y)0.48%
ROE(3y)10.13%
ROE(5y)7.12%
ROIC(3y)N/A
ROIC(5y)N/A
BCP.LS Yearly ROA, ROE, ROICBCP.LS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of BCP (23.02%) is comparable to the rest of the industry.
BCP's Profit Margin has improved in the last couple of years.
BCP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.02%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y67.86%
PM growth 5Y16.83%
GM growth 3YN/A
GM growth 5YN/A
BCP.LS Yearly Profit, Operating, Gross MarginsBCP.LS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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3

2. Health

2.1 Basic Checks

BCP does not have a ROIC to compare to the WACC, probably because it is not profitable.
BCP has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for BCP remains at a similar level compared to 5 years ago.
Compared to 1 year ago, BCP has a worse debt to assets ratio.
BCP.LS Yearly Shares OutstandingBCP.LS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
BCP.LS Yearly Total Debt VS Total AssetsBCP.LS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.2 Solvency

BCP has a debt to FCF ratio of 0.90. This is a very positive value and a sign of high solvency as it would only need 0.90 years to pay back of all of its debts.
BCP's Debt to FCF ratio of 0.90 is amongst the best of the industry. BCP outperforms 100.00% of its industry peers.
A Debt/Equity ratio of 0.70 indicates that BCP is somewhat dependend on debt financing.
BCP has a Debt to Equity ratio of 0.70. This is amongst the best in the industry. BCP outperforms 82.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 0.9
Altman-Z N/A
ROIC/WACCN/A
WACC6.93%
BCP.LS Yearly LT Debt VS Equity VS FCFBCP.LS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BCP.LS Yearly Current Assets VS Current LiabilitesBCP.LS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 53.70% over the past year.
Measured over the past years, BCP shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.57% on average per year.
The Revenue has decreased by -4.10% in the past year.
Measured over the past years, BCP shows a small growth in Revenue. The Revenue has been growing by 6.64% on average per year.
EPS 1Y (TTM)53.7%
EPS 3Y137.13%
EPS 5Y22.57%
EPS Q2Q%-23.08%
Revenue 1Y (TTM)-4.1%
Revenue growth 3Y11.54%
Revenue growth 5Y6.64%
Sales Q2Q%-3.22%

3.2 Future

BCP is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.96% yearly.
BCP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.23% yearly.
EPS Next Y-27.51%
EPS Next 2Y-7.56%
EPS Next 3Y-1.11%
EPS Next 5Y-3.96%
Revenue Next Year2.39%
Revenue Next 2Y3.17%
Revenue Next 3Y3.24%
Revenue Next 5Y2.23%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BCP.LS Yearly Revenue VS EstimatesBCP.LS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B
BCP.LS Yearly EPS VS EstimatesBCP.LS Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.05 -0.05

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.53, which indicates a very decent valuation of BCP.
Based on the Price/Earnings ratio, BCP is valued a bit cheaper than 69.57% of the companies in the same industry.
When comparing the Price/Earnings ratio of BCP to the average of the S&P500 Index (26.35), we can say BCP is valued rather cheaply.
The Price/Forward Earnings ratio is 11.34, which indicates a very decent valuation of BCP.
Based on the Price/Forward Earnings ratio, BCP is valued a bit more expensive than the industry average as 68.48% of the companies are valued more cheaply.
BCP's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.20.
Industry RankSector Rank
PE 8.53
Fwd PE 11.34
BCP.LS Price Earnings VS Forward Price EarningsBCP.LS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

94.57% of the companies in the same industry are more expensive than BCP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.91
EV/EBITDA N/A
BCP.LS Per share dataBCP.LS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.1 0.2 0.3 0.4

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.38
EPS Next 2Y-7.56%
EPS Next 3Y-1.11%

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2

5. Dividend

5.1 Amount

BCP has a Yearly Dividend Yield of 2.65%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.65, BCP pays less dividend than the industry average, which is at 5.03. 82.61% of the companies listed in the same industry pay a better dividend than BCP!
BCP's Dividend Yield is comparable with the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 2.65%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
BCP.LS Yearly Dividends per shareBCP.LS Yearly Dividends per shareYearly Dividends per share 2019 2022 2024 0.01 0.01 0.02

5.3 Sustainability

DPN/A
EPS Next 2Y-7.56%
EPS Next 3Y-1.11%
BCP.LS Yearly Income VS Free CF VS DividendBCP.LS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

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BANCO COMERCIAL PORTUGUES-R

ELI:BCP (5/28/2025, 5:35:15 PM)

0.682

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-21 2025-05-21
Earnings (Next)07-30 2025-07-30
Inst Owners17.6%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap10.31B
Analysts74.74
Price Target0.64 (-6.16%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.65%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-40.59%
Min EPS beat(2)-80.2%
Max EPS beat(2)-0.99%
EPS beat(4)2
Avg EPS beat(4)112.87%
Min EPS beat(4)-80.2%
Max EPS beat(4)503.96%
EPS beat(8)3
Avg EPS beat(8)50.99%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.79%
Min Revenue beat(2)-1.17%
Max Revenue beat(2)2.74%
Revenue beat(4)2
Avg Revenue beat(4)-0.26%
Min Revenue beat(4)-4.47%
Max Revenue beat(4)2.74%
Revenue beat(8)5
Avg Revenue beat(8)4.67%
Revenue beat(12)9
Avg Revenue beat(12)13.79%
Revenue beat(16)13
Avg Revenue beat(16)13.81%
PT rev (1m)0.57%
PT rev (3m)8.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.1%
Revenue NQ rev (1m)4.24%
Revenue NQ rev (3m)4.24%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)0.85%
Valuation
Industry RankSector Rank
PE 8.53
Fwd PE 11.34
P/S 2.58
P/FCF 1.91
P/OCF 1.86
P/B 1.48
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)0.08
EY11.73%
EPS(NY)0.06
Fwd EY8.82%
FCF(TTM)0.36
FCFY52.46%
OCF(TTM)0.37
OCFY53.81%
SpS0.26
BVpS0.46
TBVpS0.44
PEG (NY)N/A
PEG (5Y)0.38
Profitability
Industry RankSector Rank
ROA 0.92%
ROE 13.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.02%
GM N/A
FCFM 135.38%
ROA(3y)0.68%
ROA(5y)0.48%
ROE(3y)10.13%
ROE(5y)7.12%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y67.86%
PM growth 5Y16.83%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 0.9
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 3.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 588.12%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC6.93%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)53.7%
EPS 3Y137.13%
EPS 5Y22.57%
EPS Q2Q%-23.08%
EPS Next Y-27.51%
EPS Next 2Y-7.56%
EPS Next 3Y-1.11%
EPS Next 5Y-3.96%
Revenue 1Y (TTM)-4.1%
Revenue growth 3Y11.54%
Revenue growth 5Y6.64%
Sales Q2Q%-3.22%
Revenue Next Year2.39%
Revenue Next 2Y3.17%
Revenue Next 3Y3.24%
Revenue Next 5Y2.23%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year5.37%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y52.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y51.23%
OCF growth 3YN/A
OCF growth 5YN/A