BANCO COMERCIAL PORTUGUES-R (BCP.LS) Stock Fundamental Analysis
Europe - Euronext Lisbon - ELI:BCP - PTBCP0AM0015 - Common Stock
0.823 EUR
+0 (+0.05%)
Taking everything into account, BCP scores 4 out of 10 in our fundamental rating. BCP was compared to 108 industry peers in the Banks industry. BCP has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.88%, BCP is in the better half of the industry, outperforming 61.11% of the companies in the same industry.
BCP has a Return On Equity of 12.75%. This is comparable to the rest of the industry: BCP outperforms 58.33% 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 comparable to the rest of the industry.
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
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.
The number of shares outstanding for BCP remains at a similar level compared to 5 years ago.
Compared to 1 year ago, BCP has a worse debt to assets ratio.
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.
BCP has a Debt to FCF ratio of 1.28. This is amongst the best in the industry. BCP outperforms 98.15% of its industry peers.
BCP has a Debt/Equity ratio of 0.77. This is a neutral value indicating BCP is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.77, BCP belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.77 | ||
| Debt/FCF | 1.28 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.61%
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 4.43%.
BCP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.34% yearly.
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 small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.07% yearly.
The Revenue is expected to grow by 4.44% on average over the next years.
EPS Next Y-18.82%
EPS Next 2Y-3.46%
EPS Next 3Y1.68%
EPS Next 5Y0.07%
Revenue Next Year4.86%
Revenue Next 2Y3.94%
Revenue Next 3Y4.09%
Revenue Next 5Y4.44%
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 10.29.
61.11% of the companies in the same industry are more expensive than BCP, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BCP to the average of the S&P500 Index (26.15), we can say BCP is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.64, the valuation of BCP can be described as reasonable.
BCP's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 36.12. BCP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.29 | ||
| Fwd PE | 10.64 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BCP is valued cheaply inside the industry as 89.81% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.87 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.46
EPS Next 2Y-3.46%
EPS Next 3Y1.68%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.77%, BCP has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.85, BCP has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, BCP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.77% |
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.
DP48.48%
EPS Next 2Y-3.46%
EPS Next 3Y1.68%
ELI:BCP (11/27/2025, 4:33:13 PM)
0.823
+0 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners21.42%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap12.44B
Revenue(TTM)4.19B
Net Income(TTM)923.37M
Analysts75.24
Price Target0.86 (4.5%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.77% |
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)8.26%
PT rev (3m)10.84%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.82%
EPS NY rev (3m)3.12%
Revenue NQ rev (1m)2.29%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.13%
Revenue NY rev (3m)1.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.29 | ||
| Fwd PE | 10.64 | ||
| P/S | 2.97 | ||
| P/FCF | 2.87 | ||
| P/OCF | 2.76 | ||
| P/B | 1.72 | ||
| P/tB | 1.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.08
EY9.72%
EPS(NY)0.08
Fwd EY9.4%
FCF(TTM)0.29
FCFY34.88%
OCF(TTM)0.3
OCFY36.23%
SpS0.28
BVpS0.48
TBVpS0.46
PEG (NY)N/A
PEG (5Y)0.46
Graham Number0.93
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
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-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
WACC6.61%
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-18.82%
EPS Next 2Y-3.46%
EPS Next 3Y1.68%
EPS Next 5Y0.07%
Revenue 1Y (TTM)4.43%
Revenue growth 3Y14.52%
Revenue growth 5Y8.34%
Sales Q2Q%12.83%
Revenue Next Year4.86%
Revenue Next 2Y3.94%
Revenue Next 3Y4.09%
Revenue Next 5Y4.44%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year8.32%
EBIT Next 3Y-5.06%
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 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 3 / 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 48.48%.