BANCO COMERCIAL PORTUGUES-R (BCP.LS)
PTBCP0AM0015 - Common Stock
Taking everything into account, BCP scores 4 out of 10 in our fundamental rating. BCP was compared to 90 industry peers in the Banks industry. There are concerns on the financial health of BCP while its profitability can be described as average. BCP scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
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.
BCP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
BCP has a Return On Assets of 0.92%. This is in the better half of the industry: BCP outperforms 63.95% of its industry peers.
BCP has a better Return On Equity (13.93%) than 75.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 13.93% | ||
| ROIC | N/A |
ROA(3y)0.43%
ROA(5y)0.37%
ROE(3y)6.62%
ROE(5y)5.55%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BCP's Profit Margin of 22.86% is in line compared to the rest of the industry. BCP outperforms 59.30% of its industry peers.
In the last couple of years the Profit Margin of BCP has grown nicely.
BCP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.86% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y45.74%
PM growth 5Y12.1%
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.
The number of shares outstanding for BCP remains at a similar level compared to 1 year ago.
BCP has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, BCP has a worse debt to assets ratio.
2.2 Solvency
BCP has a debt to FCF ratio of 0.62. This is a very positive value and a sign of high solvency as it would only need 0.62 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.62, BCP belongs to the top of the industry, outperforming 95.35% of the companies in the same industry.
BCP has a Debt/Equity ratio of 0.62. This is a neutral value indicating BCP is somewhat dependend on debt financing.
BCP's Debt to Equity ratio of 0.62 is fine compared to the rest of the industry. BCP outperforms 79.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 0.62 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.25%
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 86.96% over the past year.
Measured over the past years, BCP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.35% on average per year.
Looking at the last year, BCP shows a very strong growth in Revenue. The Revenue has grown by 23.45%.
BCP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.94% yearly.
EPS 1Y (TTM)86.96%
EPS 3Y75.44%
EPS 5Y10.35%
EPS Q2Q%-50%
Revenue 1Y (TTM)23.45%
Revenue growth 3Y14.76%
Revenue growth 5Y9.94%
Sales Q2Q%-0.67%
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 6.69% on average per year.
BCP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.14% yearly.
EPS Next Y10.2%
EPS Next 2Y5.4%
EPS Next 3Y6.64%
EPS Next 5Y6.69%
Revenue Next Year-4.51%
Revenue Next 2Y-2.41%
Revenue Next 3Y-1.1%
Revenue Next 5Y1.14%
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.
4. Valuation
4.1 Price/Earnings Ratio
BCP is valuated cheaply with a Price/Earnings ratio of 4.99.
Based on the Price/Earnings ratio, BCP is valued cheaper than 87.21% of the companies in the same industry.
BCP is valuated cheaply when we compare the Price/Earnings ratio to 27.73, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.49, which indicates a rather cheap valuation of BCP.
Based on the Price/Forward Earnings ratio, BCP is valued a bit cheaper than the industry average as 63.95% of the companies are valued more expensively.
BCP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.99 | ||
| Fwd PE | 7.49 |
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 93.02% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.03 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.49
PEG (5Y)0.48
EPS Next 2Y5.4%
EPS Next 3Y6.64%
5. Dividend
5.1 Amount
BCP has a Yearly Dividend Yield of 3.86%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 5.52, BCP is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.24, BCP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.86% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y5.4%
EPS Next 3Y6.64%
BANCO COMERCIAL PORTUGUES-R
ELI:BCP (12/20/2024, 7:00:00 PM)
0.4493
0 (-0.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners16.79%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap6.79B
Analysts80
Price Target0.57 (26.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.86% |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)211.88%
Min EPS beat(2)-80.2%
Max EPS beat(2)503.96%
EPS beat(4)2
Avg EPS beat(4)112.87%
Min EPS beat(4)-80.2%
Max EPS beat(4)503.96%
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)1
Avg Revenue beat(2)0.34%
Min Revenue beat(2)-1.17%
Max Revenue beat(2)1.85%
Revenue beat(4)2
Avg Revenue beat(4)-0.47%
Min Revenue beat(4)-4.47%
Max Revenue beat(4)1.9%
Revenue beat(8)5
Avg Revenue beat(8)9.23%
Revenue beat(12)9
Avg Revenue beat(12)14.85%
Revenue beat(16)13
Avg Revenue beat(16)14.69%
PT rev (1m)8.3%
PT rev (3m)8.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-33.33%
EPS NY rev (1m)0%
EPS NY rev (3m)0.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.99 | ||
| Fwd PE | 7.49 | ||
| P/S | 1.69 | ||
| P/FCF | 1.03 | ||
| P/OCF | 1.01 | ||
| P/B | 1.03 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.09
EY20.03%
EPS(NY)0.06
Fwd EY13.35%
FCF(TTM)0.44
FCFY97.05%
OCF(TTM)0.44
OCFY98.8%
SpS0.27
BVpS0.44
TBVpS0.42
PEG (NY)0.49
PEG (5Y)0.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 13.93% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.86% | ||
| GM | N/A | ||
| FCFM | 164.11% |
ROA(3y)0.43%
ROA(5y)0.37%
ROE(3y)6.62%
ROE(5y)5.55%
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 3Y45.74%
PM growth 5Y12.1%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 0.62 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 2.95% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 717.87% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.25%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)3.25%
Cap/Sales(5y)3.29%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)86.96%
EPS 3Y75.44%
EPS 5Y10.35%
EPS Q2Q%-50%
EPS Next Y10.2%
EPS Next 2Y5.4%
EPS Next 3Y6.64%
EPS Next 5Y6.69%
Revenue 1Y (TTM)23.45%
Revenue growth 3Y14.76%
Revenue growth 5Y9.94%
Sales Q2Q%-0.67%
Revenue Next Year-4.51%
Revenue Next 2Y-2.41%
Revenue Next 3Y-1.1%
Revenue Next 5Y1.14%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-2.88%
EBIT Next 3Y-30.83%
EBIT Next 5YN/A
FCF growth 1Y63.21%
FCF growth 3Y8.97%
FCF growth 5Y-0.24%
OCF growth 1Y62.27%
OCF growth 3Y9.18%
OCF growth 5Y-0.05%