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

ELI:BCP • PTBCP0AM0015

Current stock price

0.823 EUR
+0.01 (+1.38%)
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

  • BCP had positive earnings in the past year.
  • 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 0 2B 4B

1.2 Ratios

  • BCP has a better Return On Assets (1.11%) than 71.17% of its industry peers.
  • With an excellent Return On Equity value of 16.17%, BCP belongs to the best of the industry, outperforming 81.98% 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

  • The Profit Margin of BCP (23.00%) is comparable to the rest of the industry.
  • 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 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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3

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

  • BCP has a debt to FCF ratio of 1.07. This is a very positive value and a sign of high solvency as it would only need 1.07 years to pay back of all of its debts.
  • BCP has a better Debt to FCF ratio (1.07) than 99.10% of its industry peers.
  • A Debt/Equity ratio of 0.87 indicates that BCP is somewhat dependend on debt financing.
  • BCP has a better Debt to Equity ratio (0.87) than 71.17% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF 1.07
Altman-Z N/A
ROIC/WACCN/A
WACC6.58%
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. BCP.LS Growth Analysis

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.
  • Measured over the past years, BCP shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.57% on average per year.
  • BCP shows a decrease in Revenue. In the last year, the revenue decreased by -1.00%.
  • The Revenue has been growing by 8.34% on average over the past years. This is quite good.
EPS 1Y (TTM)53.7%
EPS 3YN/A
EPS 5Y22.57%
EPS Q2Q%100%
Revenue 1Y (TTM)-1%
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 4.63% on average per year.
  • Based on estimates for the next years, BCP will show a small growth in Revenue. The Revenue will grow by 4.40% on average per year.
EPS Next Y-17.18%
EPS Next 2Y-3.59%
EPS Next 3Y1.78%
EPS Next 5Y4.63%
Revenue Next Year5.84%
Revenue Next 2Y4.34%
Revenue Next 3Y4.42%
Revenue Next 5Y4.4%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
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. BCP.LS Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.29, the valuation of BCP can be described as very reasonable.
  • BCP's Price/Earnings is on the same level as the industry average.
  • BCP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.75.
  • With a Price/Forward Earnings ratio of 10.67, the valuation of BCP can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BCP.
  • BCP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
Industry RankSector Rank
PE 10.29
Fwd PE 10.67
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

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, BCP is valued cheaper than 92.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.98
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)0.46
EPS Next 2Y-3.59%
EPS Next 3Y1.78%

More info and screens

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 3.67%.
  • Compared to an average industry Dividend Yield of 4.78, BCP is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, BCP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.67%

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-3.59%
EPS Next 3Y1.78%
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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BCP.LS Fundamentals: All Metrics, Ratios and Statistics

BANCO COMERCIAL PORTUGUES-R

ELI:BCP (3/31/2026, 10:54:03 AM)

0.823

+0.01 (+1.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-25
Earnings (Next)05-06
Inst Owners23.9%
Inst Owner ChangeN/A
Ins Owners0.18%
Ins Owner ChangeN/A
Market Cap12.18B
Revenue(TTM)4.09B
Net Income(TTM)1.21B
Analysts71.3
Price Target0.92 (11.79%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.67%
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)5.06%
PT rev (3m)3.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)33.33%
EPS NY rev (1m)-1.05%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)0.6%
Revenue NQ rev (3m)3.74%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.45%
Valuation
Industry RankSector Rank
PE 10.29
Fwd PE 10.67
P/S 2.31
P/FCF 1.98
P/OCF 1.93
P/B 1.63
P/tB 1.69
EV/EBITDA N/A
EPS(TTM)0.08
EY9.72%
EPS(NY)0.08
Fwd EY9.37%
FCF(TTM)0.41
FCFY50.39%
OCF(TTM)0.43
OCFY51.73%
SpS0.36
BVpS0.51
TBVpS0.49
PEG (NY)N/A
PEG (5Y)0.46
Graham Number0.95
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
WACC6.58%
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%100%
EPS Next Y-17.18%
EPS Next 2Y-3.59%
EPS Next 3Y1.78%
EPS Next 5Y4.63%
Revenue 1Y (TTM)-1%
Revenue growth 3Y14.52%
Revenue growth 5Y8.34%
Sales Q2Q%20.8%
Revenue Next Year5.84%
Revenue Next 2Y4.34%
Revenue Next 3Y4.42%
Revenue Next 5Y4.4%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year13.57%
EBIT Next 3Y7.89%
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 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.


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 10.29 and the Price/Book (PB) ratio is 1.63.


Can you provide the financial health for BCP stock?

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