BANCO COMERCIAL PORTUGUES-R(ELI:BCP) stock Fundamental Analysis

Fundamental Rating

Overall BCP gets a fundamental rating of 4 out of 10. We evaluated BCP against 99 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.

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1. Profitability

1.1 Basic Checks

In the past year BCP was profitable.

BCP had a positive operating cash flow 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.

1.2 Ratios

BCP's Return On Assets of 0.92% is fine compared to the rest of the industry. BCP outperforms 60.61% of its industry peers.

BCP has a better Return On Equity (13.20%) than 66.67% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

BCP's Profit Margin of 23.02% is in line compared to the rest of the industry. BCP outperforms 58.59% of 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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BCP does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, BCP has about the same amount of shares outstanding.

The number of shares outstanding for BCP remains at a similar level compared to 5 years ago.

BCP has a worse debt/assets ratio than last year.

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.

Looking at the Debt to FCF ratio, with a value of 0.90, BCP belongs to the top of the industry, outperforming 96.97% of the companies in the same industry.

BCP has a Debt/Equity ratio of 0.70. This is a neutral value indicating BCP is somewhat dependend on debt financing.

The Debt to Equity ratio of BCP (0.70) is better than 81.82% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.7
Debt/FCF	0.9
Altman-Z	N/A

ROIC/WACCN/A

WACC6.53%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BCP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 53.70%, which is quite impressive.

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.

Looking at the last year, BCP shows a decrease in Revenue. The Revenue has decreased by -4.10% in the last year.

BCP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.64% yearly.

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

Based on estimates for the next years, BCP will show a decrease in Earnings Per Share. The EPS will decrease by -3.96% on average per year.

BCP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.73% yearly.

EPS Next Y-28.3%

EPS Next 2Y-7.71%

EPS Next 3Y-7.76%

EPS Next 5Y-3.96%

Revenue Next Year2.2%

Revenue Next 2Y2.78%

Revenue Next 3Y2.99%

Revenue Next 5Y1.73%

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.

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4. Valuation

4.1 Price/Earnings Ratio

BCP is valuated cheaply with a Price/Earnings ratio of 6.89.

BCP's Price/Earnings ratio is rather cheap when compared to the industry. BCP is cheaper than 87.88% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 28.90, BCP is valued rather cheaply.

A Price/Forward Earnings ratio of 9.27 indicates a reasonable valuation of BCP.

60.61% of the companies in the same industry are more expensive than BCP, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.58, BCP is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.9
Fwd PE	9.27

4.2 Price Multiples

BCP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BCP is cheaper than 93.94% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	1.54
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as BCP's earnings are expected to decrease with -7.76% in the coming years.

PEG (NY)N/A

PEG (5Y)0.31

EPS Next 2Y-7.71%

EPS Next 3Y-7.76%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.21%, BCP has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 5.11, BCP's dividend is way lower than its industry peers. On top of this 80.81% of the companies listed in the same industry pay a better dividend than BCP!

BCP's Dividend Yield is a higher than the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	3.21%

5.2 History

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DPN/A

EPS Next 2Y-7.71%

EPS Next 3Y-7.76%

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BANCO COMERCIAL PORTUGUES-R

ELI:BCP (3/14/2025, 7:00:00 PM)

0.5516

+0.02 (+4%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-27 2025-02-27/bmo

Earnings (Next)05-21 2025-05-21

Inst Owners17.6%

Inst Owner ChangeN/A

Ins Owners0.15%

Ins Owner ChangeN/A

Market Cap8.34B

Analysts78.82

Price Target0.62 (12.4%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.21%

Yearly Dividend0

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)4.75%

PT rev (3m)8.63%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-0.91%

EPS NY rev (3m)-0.79%

Revenue NQ rev (1m)4.24%

Revenue NQ rev (3m)1.12%

Revenue NY rev (1m)0.88%

Revenue NY rev (3m)3.08%

Valuation

		Industry Rank	Sector Rank
PE	6.9
Fwd PE	9.27
P/S	2.09
P/FCF	1.54
P/OCF	1.5
P/B	1.2
P/tB	1.24
EV/EBITDA	N/A

EPS(TTM)0.08

EY14.5%

EPS(NY)0.06

Fwd EY10.79%

FCF(TTM)0.36

FCFY64.86%

OCF(TTM)0.37

OCFY66.53%

SpS0.26

BVpS0.46

TBVpS0.44

PEG (NY)N/A

PEG (5Y)0.31

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC6.53%

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-28.3%

EPS Next 2Y-7.71%

EPS Next 3Y-7.76%

EPS Next 5Y-3.96%

Revenue 1Y (TTM)-4.1%

Revenue growth 3Y11.54%

Revenue growth 5Y6.64%

Sales Q2Q%-3.22%

Revenue Next Year2.2%

Revenue Next 2Y2.78%

Revenue Next 3Y2.99%

Revenue Next 5Y1.73%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-0.91%

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

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens