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

Europe • Euronext Lisbon • ELI:BCP • PTBCP0AM0015

0.905 EUR
-0.03 (-2.98%)
Last: Feb 10, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Taking everything into account, BCP scores 4 out of 10 in our fundamental rating. BCP was compared to 114 industry peers in the Banks industry. There are concerns on the financial health of BCP while its profitability can be described as average. BCP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

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.
  • Each year in the past 5 years BCP has been profitable.
  • Of the past 5 years BCP 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.11%, BCP is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • With an excellent Return On Equity value of 16.17%, BCP belongs to the best of the industry, outperforming 80.70% of the companies in the same industry.
Industry RankSector Rank
ROA 1.11%
ROE 16.17%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • BCP has a Profit Margin of 23.00%. This is comparable to the rest of the industry: BCP outperforms 48.25% of its industry peers.
  • BCP's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for BCP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y63.5%
PM growth 5Y15%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • Compared to 1 year ago, BCP has a worse debt to assets ratio.
BCP.LS Yearly Shares OutstandingBCP.LS Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.2 Solvency

  • The Debt to FCF ratio of BCP is 1.07, which is an excellent value as it means it would take BCP, only 1.07 years of fcf income to pay off all of its debts.
  • BCP has a Debt to FCF ratio of 1.07. This is amongst the best in the industry. BCP outperforms 99.12% of its industry peers.
  • BCP has a Debt/Equity ratio of 0.87. This is a neutral value indicating BCP is somewhat dependend on debt financing.
  • BCP has a Debt to Equity ratio of 0.87. This is in the better half of the industry: BCP outperforms 75.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF 1.07
Altman-Z N/A
ROIC/WACCN/A
WACC6.69%
BCP.LS Yearly LT Debt VS Equity VS FCFBCP.LS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • 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 7.72% in the last year.
  • BCP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.34% yearly.
EPS 1Y (TTM)53.7%
EPS 3YN/A
EPS 5Y22.57%
EPS Q2Q%-80%
Revenue 1Y (TTM)7.72%
Revenue growth 3Y14.52%
Revenue growth 5Y8.34%
Sales Q2Q%2.15%

3.2 Future

  • Based on estimates for the next years, BCP will show a small growth in Earnings Per Share. The EPS will grow by 4.34% on average per year.
  • The Revenue is expected to grow by 4.35% on average over the next years.
EPS Next Y-16.3%
EPS Next 2Y-3.38%
EPS Next 3Y1.71%
EPS Next 5Y4.34%
Revenue Next Year5.36%
Revenue Next 2Y4.26%
Revenue Next 3Y4.22%
Revenue Next 5Y4.35%

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 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 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

  • Based on the Price/Earnings ratio of 11.31, the valuation of BCP can be described as reasonable.
  • BCP's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of BCP to the average of the S&P500 Index (28.03), we can say BCP is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 11.68, the valuation of BCP can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BCP.
  • The average S&P500 Price/Forward Earnings ratio is at 27.97. BCP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.31
Fwd PE 11.68
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

  • Based on the Price/Free Cash Flow ratio, BCP is valued cheaply inside the industry as 92.11% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.23
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)0.5
EPS Next 2Y-3.38%
EPS Next 3Y1.71%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • BCP has a Yearly Dividend Yield of 3.34%.
  • Compared to an average industry Dividend Yield of 4.12, BCP is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.80, BCP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.34%

5.2 History

  • The dividend of BCP decreases each year by -25.92%.
Dividend Growth(5Y)-25.92%
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

  • 36.95% of the earnings are spent on dividend by BCP. This is a low number and sustainable payout ratio.
DP36.95%
EPS Next 2Y-3.38%
EPS Next 3Y1.71%
BCP.LS Yearly Income VS Free CF VS DividendBCP.LS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B
BCP.LS Dividend Payout.BCP.LS Dividend Payout, showing the Payout Ratio.BCP.LS Dividend Payout.PayoutRetained Earnings

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BANCO COMERCIAL PORTUGUES-R

ELI:BCP (2/10/2026, 7:00:00 PM)

0.905

-0.03 (-2.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-27
Earnings (Next)02-25
Inst Owners23.68%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap13.68B
Revenue(TTM)5.27B
Net Income(TTM)1.21B
Analysts75.24
Price Target0.87 (-3.87%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.34%
Yearly Dividend0.02
Dividend Growth(5Y)-25.92%
DP36.95%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-85.15%
Min EPS beat(2)-90.1%
Max EPS beat(2)-80.2%
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)2
Avg Revenue beat(2)1.57%
Min Revenue beat(2)0.5%
Max Revenue beat(2)2.63%
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)-1.67%
PT rev (3m)4%
EPS NQ rev (1m)33.33%
EPS NQ rev (3m)100%
EPS NY rev (1m)0.97%
EPS NY rev (3m)6.01%
Revenue NQ rev (1m)2.18%
Revenue NQ rev (3m)1.5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.61%
Valuation
Industry RankSector Rank
PE 11.31
Fwd PE 11.68
P/S 2.6
P/FCF 2.23
P/OCF 2.17
P/B 1.82
P/tB 1.9
EV/EBITDA N/A
EPS(TTM)0.08
EY8.84%
EPS(NY)0.08
Fwd EY8.56%
FCF(TTM)0.41
FCFY44.88%
OCF(TTM)0.42
OCFY46.08%
SpS0.35
BVpS0.5
TBVpS0.48
PEG (NY)N/A
PEG (5Y)0.5
Graham Number0.94
Profitability
Industry RankSector Rank
ROA 1.11%
ROE 16.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23%
GM N/A
FCFM 116.56%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y63.5%
PM growth 5Y15%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF 1.07
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 3.11%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 506.69%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC6.69%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)3.58%
Cap/Sales(5y)3.33%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)53.7%
EPS 3YN/A
EPS 5Y22.57%
EPS Q2Q%-80%
EPS Next Y-16.3%
EPS Next 2Y-3.38%
EPS Next 3Y1.71%
EPS Next 5Y4.34%
Revenue 1Y (TTM)7.72%
Revenue growth 3Y14.52%
Revenue growth 5Y8.34%
Sales Q2Q%2.15%
Revenue Next Year5.36%
Revenue Next 2Y4.26%
Revenue Next 3Y4.22%
Revenue Next 5Y4.35%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year11.05%
EBIT Next 3Y-5.06%
EBIT Next 5YN/A
FCF growth 1Y73.59%
FCF growth 3Y7.67%
FCF growth 5Y66.38%
OCF growth 1Y71.87%
OCF growth 3Y8.07%
OCF growth 5Y60.07%

BANCO COMERCIAL PORTUGUES-R / BCP.LS FAQ

What is the fundamental rating for BCP stock?

ChartMill assigns a fundamental rating of 4 / 10 to BCP.LS.


Can you provide the valuation status for BANCO COMERCIAL PORTUGUES-R?

ChartMill assigns a valuation rating of 5 / 10 to BANCO COMERCIAL PORTUGUES-R (BCP.LS). This can be considered as Fairly Valued.


Can you provide the profitability details for BANCO COMERCIAL PORTUGUES-R?

BANCO COMERCIAL PORTUGUES-R (BCP.LS) has a profitability rating of 4 / 10.


What is the valuation of BANCO COMERCIAL PORTUGUES-R based on its PE and PB ratios?

The Price/Earnings (PE) ratio for BANCO COMERCIAL PORTUGUES-R (BCP.LS) is 11.31 and the Price/Book (PB) ratio is 1.82.


Can you provide the financial health for BCP stock?

The financial health rating of BANCO COMERCIAL PORTUGUES-R (BCP.LS) is 3 / 10.