BANCO COMERCIAL PORTUGUES-R (BCP.LS) Stock Fundamental Analysis
Europe - Euronext Lisbon - ELI:BCP - PTBCP0AM0015 - Common Stock
0.889 EUR
-0.01 (-1.38%)
Taking everything into account, BCP scores 4 out of 10 in our fundamental rating. BCP was compared to 111 industry peers in the Banks industry. There are concerns on the financial health of BCP while its profitability can be described as average. BCP has a decent growth rate and is not valued too expensively.
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.
- 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 1.11%. This is in the better half of the industry: BCP outperforms 72.97% of its industry peers.
- Looking at the Return On Equity, with a value of 16.17%, BCP belongs to the top of the industry, outperforming 81.98% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- BCP's Profit Margin of 23.00% is in line compared to the rest of the industry. BCP outperforms 52.25% of its industry peers.
- 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 Rank | Sector 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
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
- 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 Debt to FCF ratio of 1.07. This is amongst the best in the industry. BCP outperforms 99.10% of its industry peers.
- BCP has a Debt/Equity ratio of 0.87. This is a neutral value indicating BCP is somewhat dependend on debt financing.
- BCP has a Debt to Equity ratio of 0.87. This is in the better half of the industry: BCP outperforms 76.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.68%
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.
- The Earnings Per Share has been growing by 22.57% on average over the past years. This is a very strong growth
- BCP shows a small growth in Revenue. In the last year, the Revenue has grown by 7.72%.
- 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%-80%
Revenue 1Y (TTM)7.72%
Revenue growth 3Y14.52%
Revenue growth 5Y8.34%
Sales Q2Q%2.15%
3.2 Future
- The Earnings Per Share is expected to grow by 4.34% on average over the next years.
- Based on estimates for the next years, BCP will show a small growth in Revenue. The Revenue will grow by 4.35% on average per year.
EPS Next Y-17.11%
EPS Next 2Y-3.24%
EPS Next 3Y1.53%
EPS Next 5Y4.34%
Revenue Next Year5.36%
Revenue Next 2Y4.26%
Revenue Next 3Y4.22%
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
- A Price/Earnings ratio of 11.11 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.
- The average S&P500 Price/Earnings ratio is at 27.30. BCP is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 11.44, which indicates a very decent valuation of BCP.
- BCP's Price/Forward Earnings is on the same level as the industry average.
- BCP is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.11 | ||
| Fwd PE | 11.44 |
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 94.59% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.19 | ||
| 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 3.34%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 4.03, BCP has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, BCP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.34% |
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 36.95% of its income as dividend. This is a sustainable payout ratio.
DP36.95%
EPS Next 2Y-3.24%
EPS Next 3Y1.53%
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.
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 11.11 and the Price/Book (PB) ratio is 1.79.
Can you provide the financial health for BCP stock?
The financial health rating of BANCO COMERCIAL PORTUGUES-R (BCP.LS) is 3 / 10.