BCP Fundamental Analysis - BANCO COMERCIAL PORTUGUES-R

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to BCP. BCP was compared to 96 industry peers in the Banks industry. While BCP is still in line with the averages on profitability rating, there are concerns on its financial health. BCP has a correct valuation and a medium growth rate.

Quickly go to:

1. Profitability

1.1 Basic Checks

BCP had positive earnings in the past year.

BCP had a positive operating cash flow in the past year.

In the past 5 years BCP has always been profitable.

Of the past 5 years BCP 4 years had a positive operating cash flow.

1.2 Ratios

BCP's Return On Assets of 0.88% is fine compared to the rest of the industry. BCP outperforms 63.54% of its industry peers.

The Return On Equity of BCP (12.75%) is better than 65.63% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.88%
ROE	12.75%
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 has a Profit Margin (22.02%) which is in line with 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 Rank	Sector Rank
OM	N/A
PM (TTM)	22.02%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

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

2.2 Solvency

BCP has a debt to FCF ratio of 1.28. This is a very positive value and a sign of high solvency as it would only need 1.28 years to pay back of all of its debts.

BCP has a Debt to FCF ratio of 1.28. This is amongst the best in the industry. BCP outperforms 96.88% of its industry peers.

A Debt/Equity ratio of 0.77 indicates that BCP is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.77, BCP belongs to the top of the industry, outperforming 82.29% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.77
Debt/FCF	1.28
Altman-Z	N/A

ROIC/WACCN/A

WACC6.51%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

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 4.43% 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 3Y137.13%

EPS 5Y22.57%

EPS Q2Q%0%

Revenue 1Y (TTM)4.43%

Revenue growth 3Y14.52%

Revenue growth 5Y8.34%

Sales Q2Q%12.83%

3.2 Future

Based on estimates for the next years, BCP will show a decrease in Earnings Per Share. The EPS will decrease by -0.15% on average per year.

Based on estimates for the next years, BCP will show a small growth in Revenue. The Revenue will grow by 3.64% on average per year.

EPS Next Y-21.28%

EPS Next 2Y-3.2%

EPS Next 3Y0.91%

EPS Next 5Y-0.15%

Revenue Next Year3.67%

Revenue Next 2Y3.74%

Revenue Next 3Y3.8%

Revenue Next 5Y3.64%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

BCP is valuated reasonably with a Price/Earnings ratio of 9.06.

66.67% of the companies in the same industry are more expensive than BCP, based on the Price/Earnings ratio.

BCP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.

Based on the Price/Forward Earnings ratio of 9.32, the valuation of BCP can be described as reasonable.

BCP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BCP is cheaper than 67.71% of the companies in the same industry.

BCP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.86.

		Industry Rank	Sector Rank
PE	9.06
Fwd PE	9.32

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BCP is valued cheaply inside the industry as 91.67% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	2.53
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.4

EPS Next 2Y-3.2%

EPS Next 3Y0.91%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

BCP has a Yearly Dividend Yield of 4.17%, which is a nice return.

BCP's Dividend Yield is comparable with the industry average which is at 4.91.

Compared to an average S&P500 Dividend Yield of 2.38, BCP pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.17%

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

5.3 Sustainability

BCP pays out 48.48% of its income as dividend. This is a bit on the high side, but may be sustainable.

The Dividend Rate of BCP has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.

DP48.48%

EPS Next 2Y-3.2%

EPS Next 3Y0.91%

More info and screens

Find the best dividend stocks

Show peers with best dividend

BANCO COMERCIAL PORTUGUES-R

ELI:BCP (9/22/2025, 5:36:15 PM)

0.725

0 (-0.63%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-30 2025-07-30/amc

Earnings (Next)10-29 2025-10-29

Inst Owners18.86%

Inst Owner ChangeN/A

Ins Owners0.15%

Ins Owner ChangeN/A

Market Cap10.96B

Analysts73

Price Target0.78 (7.59%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.17%

Yearly Dividend0.02

Dividend Growth(5Y)-25.92%

DP48.48%

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)5.2%

PT rev (3m)11.72%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)8.59%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.25%

Valuation

		Industry Rank	Sector Rank
PE	9.06
Fwd PE	9.32
P/S	2.61
P/FCF	2.53
P/OCF	2.43
P/B	1.51
P/tB	1.57
EV/EBITDA	N/A

EPS(TTM)0.08

EY11.03%

EPS(NY)0.08

Fwd EY10.73%

FCF(TTM)0.29

FCFY39.6%

OCF(TTM)0.3

OCFY41.13%

SpS0.28

BVpS0.48

TBVpS0.46

PEG (NY)N/A

PEG (5Y)0.4

Profitability

		Industry Rank	Sector Rank
ROA	0.88%
ROE	12.75%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.02%
GM	N/A
FCFM	103.47%

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 3Y63.5%

PM growth 5Y15%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.77
Debt/FCF	1.28
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	4%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	469.94%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC6.51%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)3.58%

Cap/Sales(5y)3.32%

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%0%

EPS Next Y-21.28%

EPS Next 2Y-3.2%

EPS Next 3Y0.91%

EPS Next 5Y-0.15%

Revenue 1Y (TTM)4.43%

Revenue growth 3Y14.52%

Revenue growth 5Y8.34%

Sales Q2Q%12.83%

Revenue Next Year3.67%

Revenue Next 2Y3.74%

Revenue Next 3Y3.8%

Revenue Next 5Y3.64%

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 1Y284.55%

FCF growth 3Y7.67%

FCF growth 5Y66.38%

OCF growth 1Y303.61%

OCF growth 3Y8.07%

OCF growth 5Y60.08%

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