BCP Fundamental Analysis - BANCO COMERCIAL PORTUGUES-R

Fundamental Rating

Taking everything into account, BCP scores 4 out of 10 in our fundamental rating. BCP was compared to 95 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 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.

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

1.2 Ratios

BCP has a Return On Assets of 0.88%. This is in the better half of the industry: BCP outperforms 63.16% of its industry peers.

BCP has a better Return On Equity (12.75%) than 65.26% 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

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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.

BCP has about the same amout of shares outstanding than it did 1 year ago.

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

The debt/assets ratio for BCP is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of BCP is 1.28, which is an excellent value as it means it would take BCP, only 1.28 years of fcf income to pay off all of its debts.

With an excellent Debt to FCF ratio value of 1.28, BCP belongs to the best of the industry, outperforming 96.84% of the companies in the same industry.

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

The Debt to Equity ratio of BCP (0.77) is better than 82.11% of its industry peers.

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

ROIC/WACCN/A

WACC6.55%

2.3 Liquidity

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

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WACC

Debt/Equity

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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.

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.

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%0%

Revenue 1Y (TTM)4.43%

Revenue growth 3Y14.52%

Revenue growth 5Y8.34%

Sales Q2Q%12.83%

3.2 Future

BCP is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.18% yearly.

The Revenue is expected to grow by 3.61% on average over the next years.

EPS Next Y-21.28%

EPS Next 2Y-3.2%

EPS Next 3Y0.91%

EPS Next 5Y-0.18%

Revenue Next Year3.67%

Revenue Next 2Y3.74%

Revenue Next 3Y3.8%

Revenue Next 5Y3.61%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

BCP is valuated reasonably with a Price/Earnings ratio of 9.69.

BCP's Price/Earnings ratio is a bit cheaper when compared to the industry. BCP is cheaper than 62.11% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.24, BCP is valued rather cheaply.

With a Price/Forward Earnings ratio of 9.97, the valuation of BCP can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of BCP is on the same level as its industry peers.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.81, BCP is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.69
Fwd PE	9.97

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BCP indicates a rather cheap valuation: BCP is cheaper than 91.58% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.7
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.43

EPS Next 2Y-3.2%

EPS Next 3Y0.91%

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5. Dividend

5.1 Amount

BCP has a Yearly Dividend Yield of 3.76%.

BCP's Dividend Yield is slightly below the industry average, which is at 4.83.

BCP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	3.76%

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.

BCP's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.

DP48.48%

EPS Next 2Y-3.2%

EPS Next 3Y0.91%

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BANCO COMERCIAL PORTUGUES-R

ELI:BCP (8/25/2025, 3:48:20 PM)

0.775

+0.01 (+0.65%)

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 Cap11.71B

Analysts73

Price Target0.78 (0.65%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.76%

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)7.34%

PT rev (3m)20.63%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)8.59%

EPS NY rev (3m)8.59%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)1.25%

Revenue NY rev (3m)1.25%

Valuation

		Industry Rank	Sector Rank
PE	9.69
Fwd PE	9.97
P/S	2.79
P/FCF	2.7
P/OCF	2.6
P/B	1.62
P/tB	1.68
EV/EBITDA	N/A

EPS(TTM)0.08

EY10.32%

EPS(NY)0.08

Fwd EY10.03%

FCF(TTM)0.29

FCFY37.05%

OCF(TTM)0.3

OCFY38.48%

SpS0.28

BVpS0.48

TBVpS0.46

PEG (NY)N/A

PEG (5Y)0.43

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

WACC6.55%

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-0.18%

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 5Y3.61%

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