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

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

0.6668  0 (-0.03%)

Fundamental Rating

3

Overall BCP gets a fundamental rating of 3 out of 10. We evaluated BCP against 87 industry peers in the Banks industry. Both the profitability and financial health of BCP have multiple concerns. BCP has a correct valuation and a medium 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.
Each year in the past 5 years BCP has been profitable.
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

BCP has a Return On Assets (0.88%) which is in line with its industry peers.
BCP has a Return On Equity of 12.35%. This is in the better half of the industry: BCP outperforms 62.07% of its industry peers.
Industry RankSector Rank
ROA 0.88%
ROE 12.35%
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

BCP has a Profit Margin (22.58%) which is in line with its industry peers.
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) 22.58%
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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1

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.
BCP has about the same amout of shares outstanding than it did 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

A Debt/Equity ratio of 0.72 indicates that BCP is somewhat dependend on debt financing.
BCP's Debt to Equity ratio of 0.72 is amongst the best of the industry. BCP outperforms 82.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.78%
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.
The Earnings Per Share has been growing by 22.57% on average over the past years. This is a very strong growth
Looking at the last year, BCP shows a small growth in Revenue. The Revenue has grown by 1.67% in the last year.
The Revenue has been growing slightly by 6.64% on average over the past years.
EPS 1Y (TTM)53.7%
EPS 3Y137.13%
EPS 5Y22.57%
EPS Q2Q%-19.5%
Revenue 1Y (TTM)1.67%
Revenue growth 3Y11.54%
Revenue growth 5Y6.64%
Sales Q2Q%17.67%

3.2 Future

Based on estimates for the next years, BCP will show a decrease in Earnings Per Share. The EPS will decrease by -4.66% on average per year.
The Revenue is expected to grow by 2.44% on average over the next years.
EPS Next Y-27.51%
EPS Next 2Y-7.56%
EPS Next 3Y-1.11%
EPS Next 5Y-4.66%
Revenue Next Year2.39%
Revenue Next 2Y3.17%
Revenue Next 3Y3.24%
Revenue Next 5Y2.44%

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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.33, the valuation of BCP can be described as reasonable.
Based on the Price/Earnings ratio, BCP is valued a bit cheaper than the industry average as 71.26% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of BCP to the average of the S&P500 Index (27.45), we can say BCP is valued rather cheaply.
The Price/Forward Earnings ratio is 9.40, which indicates a very decent valuation of BCP.
The rest of the industry has a similar Price/Forward Earnings ratio as BCP.
The average S&P500 Price/Forward Earnings ratio is at 21.90. BCP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.33
Fwd PE 9.4
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

Industry RankSector Rank
P/FCF N/A
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)0.37
EPS Next 2Y-7.56%
EPS Next 3Y-1.11%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.50%, BCP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.15, BCP has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, BCP pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.5%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
BCP.LS Yearly Dividends per shareBCP.LS Yearly Dividends per shareYearly Dividends per share 2019 2022 2024 2025 0.01 0.01 0.02 0.02 0.03

5.3 Sustainability

DP0%
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 (7/4/2025, 7:00:00 PM)

0.6668

0 (-0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-21 2025-05-21
Earnings (Next)07-30 2025-07-30
Inst Owners18.86%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap10.08B
Analysts73.68
Price Target0.71 (6.48%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.5%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)10.43%
PT rev (3m)14.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1.1%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.19%
Valuation
Industry RankSector Rank
PE 8.33
Fwd PE 9.4
P/S 2.49
P/FCF N/A
P/OCF N/A
P/B 1.36
P/tB 1.41
EV/EBITDA N/A
EPS(TTM)0.08
EY12%
EPS(NY)0.07
Fwd EY10.64%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS0.27
BVpS0.49
TBVpS0.47
PEG (NY)N/A
PEG (5Y)0.37
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 12.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.58%
GM N/A
FCFM 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
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-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC6.78%
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%-19.5%
EPS Next Y-27.51%
EPS Next 2Y-7.56%
EPS Next 3Y-1.11%
EPS Next 5Y-4.66%
Revenue 1Y (TTM)1.67%
Revenue growth 3Y11.54%
Revenue growth 5Y6.64%
Sales Q2Q%17.67%
Revenue Next Year2.39%
Revenue Next 2Y3.17%
Revenue Next 3Y3.24%
Revenue Next 5Y2.44%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A