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

ELI:BCP • PTBCP0AM0015

Current stock price

0.909 EUR
+0.02 (+1.95%)
Last:

This BCP.LS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. BCP.LS Profitability Analysis

1.1 Basic Checks

  • In the past year BCP was profitable.
  • In the past year BCP had a positive cash flow from operations.
  • BCP had positive earnings in each of the past 5 years.
  • 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 2025 0 2B 4B

1.2 Ratios

  • BCP has a Return On Assets of 1.15%. This is in the better half of the industry: BCP outperforms 74.26% of its industry peers.
  • BCP's Return On Equity of 16.15% is amongst the best of the industry. BCP outperforms 82.18% of its industry peers.
Industry RankSector Rank
ROA 1.15%
ROE 16.15%
ROIC N/A
ROA(3y)0.91%
ROA(5y)0.62%
ROE(3y)13.13%
ROE(5y)9.14%
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 2025 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 23.80%, BCP perfoms like the industry average, outperforming 51.49% of the companies in the same industry.
  • In the last couple of years the Profit Margin of BCP has grown nicely.
  • 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) 23.8%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y56.68%
PM growth 5Y28.48%
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 2025 5 10 15 20

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4

2. BCP.LS Health Analysis

2.1 Basic Checks

  • BCP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BCP has been reduced compared to 1 year ago.
  • The number of shares outstanding for BCP has been reduced compared to 5 years ago.
  • The debt/assets ratio for BCP has been reduced compared to a year ago.
BCP.LS Yearly Shares OutstandingBCP.LS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 20B 40B 60B 80B 100B

2.2 Solvency

  • BCP has a debt to FCF ratio of 1.53. This is a very positive value and a sign of high solvency as it would only need 1.53 years to pay back of all of its debts.
  • BCP has a Debt to FCF ratio of 1.53. This is amongst the best in the industry. BCP outperforms 98.02% of its industry peers.
  • A Debt/Equity ratio of 0.67 indicates that BCP is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.67, BCP belongs to the top of the industry, outperforming 83.17% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 1.53
Altman-Z N/A
ROIC/WACCN/A
WACC6.63%
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 2025 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 2025 200M 400M 600M

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

5

3. BCP.LS Growth Analysis

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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.49%.
  • 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 3YN/A
EPS 5Y22.57%
EPS Q2Q%100%
Revenue 1Y (TTM)8.49%
Revenue growth 3Y14.52%
Revenue growth 5Y8.34%
Sales Q2Q%20.8%

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 5.75% on average per year.
  • Based on estimates for the next years, BCP will show a small growth in Revenue. The Revenue will grow by 4.64% on average per year.
EPS Next Y-17.18%
EPS Next 2Y-2.61%
EPS Next 3Y2.86%
EPS Next 5Y5.75%
Revenue Next Year5.84%
Revenue Next 2Y4.7%
Revenue Next 3Y4.83%
Revenue Next 5Y4.64%

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.
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 2029 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 2029 2030 2031 2032 0 0.05 -0.05 0.1

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5

4. BCP.LS Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.36 indicates a reasonable valuation of BCP.
  • Compared to the rest of the industry, the Price/Earnings ratio of BCP is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of BCP to the average of the S&P500 Index (26.77), we can say BCP is valued rather cheaply.
  • A Price/Forward Earnings ratio of 11.55 indicates a reasonable valuation of BCP.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BCP is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of BCP to the average of the S&P500 Index (21.75), we can say BCP is valued slightly cheaper.
Industry RankSector Rank
PE 11.36
Fwd PE 11.55
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

  • BCP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BCP is cheaper than 83.17% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.93
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 0.5

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.5
EPS Next 2Y-2.61%
EPS Next 3Y2.86%

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

4

5. BCP.LS Dividend Analysis

5.1 Amount

  • BCP has a Yearly Dividend Yield of 3.41%.
  • BCP's Dividend Yield is slightly below the industry average, which is at 4.48.
  • Compared to an average S&P500 Dividend Yield of 1.82, BCP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.41%

5.2 History

  • The dividend of BCP decreases each year by -19.05%.
Dividend Growth(5Y)-19.05%
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

  • 35.47% of the earnings are spent on dividend by BCP. This is a low number and sustainable payout ratio.
DP35.47%
EPS Next 2Y-2.61%
EPS Next 3Y2.86%
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 2025 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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BCP.LS Fundamentals: All Metrics, Ratios and Statistics

BANCO COMERCIAL PORTUGUES-R

ELI:BCP (4/30/2026, 7:00:00 PM)

0.909

+0.02 (+1.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength83.78
Industry Growth90.67
Earnings (Last)02-25
Earnings (Next)05-18
Inst Owners24.6%
Inst Owner ChangeN/A
Ins Owners0.18%
Ins Owner ChangeN/A
Market Cap13.46B
Revenue(TTM)5.30B
Net Income(TTM)1.26B
Analysts71.3
Price Target0.94 (3.41%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.41%
Yearly Dividend0.03
Dividend Growth(5Y)-19.05%
DP35.47%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-45.54%
Min EPS beat(2)-90.1%
Max EPS beat(2)-0.99%
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)4.31%
Min Revenue beat(2)0.5%
Max Revenue beat(2)8.12%
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)6.49%
PT rev (3m)5.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.04%
EPS NY rev (3m)1.6%
Revenue NQ rev (1m)-0.21%
Revenue NQ rev (3m)0.07%
Revenue NY rev (1m)0.69%
Revenue NY rev (3m)0.84%
Valuation
Industry RankSector Rank
PE 11.36
Fwd PE 11.55
P/S 2.54
P/FCF 3.93
P/OCF 3.76
P/B 1.72
P/tB 1.8
EV/EBITDA N/A
EPS(TTM)0.08
EY8.8%
EPS(NY)0.08
Fwd EY8.66%
FCF(TTM)0.23
FCFY25.47%
OCF(TTM)0.24
OCFY26.59%
SpS0.36
BVpS0.53
TBVpS0.51
PEG (NY)N/A
PEG (5Y)0.5
Graham Number0.97466 (7.22%)
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 16.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.8%
GM N/A
FCFM 64.62%
ROA(3y)0.91%
ROA(5y)0.62%
ROE(3y)13.13%
ROE(5y)9.14%
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 3Y56.68%
PM growth 5Y28.48%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 1.53
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 2.85%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 271.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC6.63%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)3.51%
Cap/Sales(5y)3.45%
Profit Quality(3y)460.75%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)53.7%
EPS 3YN/A
EPS 5Y22.57%
EPS Q2Q%100%
EPS Next Y-17.18%
EPS Next 2Y-2.61%
EPS Next 3Y2.86%
EPS Next 5Y5.75%
Revenue 1Y (TTM)8.49%
Revenue growth 3Y14.52%
Revenue growth 5Y8.34%
Sales Q2Q%20.8%
Revenue Next Year5.84%
Revenue Next 2Y4.7%
Revenue Next 3Y4.83%
Revenue Next 5Y4.64%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year14.92%
EBIT Next 3Y7.76%
EBIT Next 5YN/A
FCF growth 1Y-36.6%
FCF growth 3YN/A
FCF growth 5Y2.88%
OCF growth 1Y-35.73%
OCF growth 3YN/A
OCF growth 5Y3.23%

BANCO COMERCIAL PORTUGUES-R / BCP.LS Fundamental Analysis 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.


What is the profitability of BCP stock?

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


Can you provide the expected EPS growth for BCP stock?

The Earnings per Share (EPS) of BANCO COMERCIAL PORTUGUES-R (BCP.LS) is expected to decline by -17.18% in the next year.


How sustainable is the dividend of BANCO COMERCIAL PORTUGUES-R (BCP.LS) stock?

The dividend rating of BANCO COMERCIAL PORTUGUES-R (BCP.LS) is 4 / 10 and the dividend payout ratio is 35.47%.