BANCO COMERCIAL PORTUGUES-R (BCP.LS) Stock Fundamental Analysis
Europe - Euronext Lisbon - ELI:BCP - PTBCP0AM0015 - Common Stock
0.878 EUR
-0.01 (-1.64%)
Overall BCP gets a fundamental rating of 4 out of 10. We evaluated BCP against 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 is not valued too expensively and it also shows a decent growth rate.
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.
In the past 5 years BCP has always been profitable.
BCP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.10%, BCP is doing good in the industry, outperforming 69.30% of the companies in the same industry.
With an excellent Return On Equity value of 15.98%, BCP belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 15.98% | ||
| ROIC | N/A |
ROA(3y)0.67%
ROA(5y)0.48%
ROE(3y)10.13%
ROE(5y)7.11%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BCP has a better Profit Margin (27.59%) than 71.05% 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) | 27.59% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y63.48%
PM growth 5Y14.99%
GM growth 3YN/A
GM growth 5YN/A
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.
Compared to 5 years ago, BCP has about the same amount of shares outstanding.
The debt/assets ratio for BCP is higher compared to a year ago.
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.
With an excellent Debt to FCF ratio value of 1.28, BCP belongs to the best of the industry, outperforming 96.49% of the companies in the same industry.
A Debt/Equity ratio of 0.77 indicates that BCP is somewhat dependend on debt financing.
BCP has a Debt to Equity ratio of 0.77. This is amongst the best in the industry. BCP outperforms 81.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.77 | ||
| Debt/FCF | 1.28 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.67%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 53.70% over the past year.
BCP shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.57% yearly.
BCP shows a decrease in Revenue. In the last year, the revenue decreased by -1.00%.
Measured over the past years, BCP shows a quite strong growth in Revenue. The Revenue has been growing by 8.34% on average per year.
EPS 1Y (TTM)53.7%
EPS 3Y137.13%
EPS 5Y22.57%
EPS Q2Q%-80%
Revenue 1Y (TTM)-1%
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-17.11%
EPS Next 2Y-3.24%
EPS Next 3Y1.53%
EPS Next 5Y4.34%
Revenue Next Year5.28%
Revenue Next 2Y4.19%
Revenue Next 3Y4.15%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
BCP is valuated reasonably with a Price/Earnings ratio of 10.97.
BCP's Price/Earnings is on the same level as the industry average.
BCP is valuated cheaply when we compare the Price/Earnings ratio to 26.61, which is the current average of the S&P500 Index.
BCP is valuated reasonably with a Price/Forward Earnings ratio of 11.30.
BCP's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.01, BCP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.98 | ||
| Fwd PE | 11.3 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BCP is valued cheaper than 88.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.06 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.49
EPS Next 2Y-3.24%
EPS Next 3Y1.53%
5. Dividend
5.1 Amount
BCP has a Yearly Dividend Yield of 3.39%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.12, BCP has a dividend in line with its industry peers.
BCP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.39% |
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 38.73% of its income as dividend. This is a sustainable payout ratio.
DP38.73%
EPS Next 2Y-3.24%
EPS Next 3Y1.53%
ELI:BCP (12/23/2025, 1:26:53 PM)
0.878
-0.01 (-1.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners23.49%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap13.27B
Revenue(TTM)4.09B
Net Income(TTM)1.16B
Analysts74.29
Price Target0.88 (0.23%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.39% |
Yearly Dividend0.02
Dividend Growth(5Y)-25.92%
DP38.73%
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)4.78%
PT rev (3m)12.32%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.11%
EPS NY rev (3m)5.3%
Revenue NQ rev (1m)-1.29%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)1.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.98 | ||
| Fwd PE | 11.3 | ||
| P/S | 3.16 | ||
| P/FCF | 3.06 | ||
| P/OCF | 2.94 | ||
| P/B | 1.83 | ||
| P/tB | 1.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.08
EY9.11%
EPS(NY)0.08
Fwd EY8.85%
FCF(TTM)0.29
FCFY32.7%
OCF(TTM)0.3
OCFY33.97%
SpS0.28
BVpS0.48
TBVpS0.46
PEG (NY)N/A
PEG (5Y)0.49
Graham Number0.93
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 15.98% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.59% | ||
| GM | N/A | ||
| FCFM | 103.47% |
ROA(3y)0.67%
ROA(5y)0.48%
ROE(3y)10.13%
ROE(5y)7.11%
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 3Y63.48%
PM growth 5Y14.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
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 | 4.01% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 375.06% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.67%
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%-80%
EPS Next Y-17.11%
EPS Next 2Y-3.24%
EPS Next 3Y1.53%
EPS Next 5Y4.34%
Revenue 1Y (TTM)-1%
Revenue growth 3Y14.52%
Revenue growth 5Y8.34%
Sales Q2Q%2.15%
Revenue Next Year5.28%
Revenue Next 2Y4.19%
Revenue Next 3Y4.15%
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 1Y284.56%
FCF growth 3Y7.67%
FCF growth 5Y66.38%
OCF growth 1Y303.63%
OCF growth 3Y8.07%
OCF growth 5Y60.08%
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.
What is the valuation status of BANCO COMERCIAL PORTUGUES-R (BCP.LS) stock?
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.
How financially healthy is BANCO COMERCIAL PORTUGUES-R?
The financial health rating of BANCO COMERCIAL PORTUGUES-R (BCP.LS) is 3 / 10.
Can you provide the dividend sustainability for BCP stock?
The dividend rating of BANCO COMERCIAL PORTUGUES-R (BCP.LS) is 4 / 10 and the dividend payout ratio is 38.73%.