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

ELI:BCP - Euronext Lisbon - PTBCP0AM0015 - Common Stock - Currency: EUR

0.494  0 (-0.08%)

Fundamental Rating

4

BCP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 98 industry peers in the Banks industry. BCP has a medium profitability rating, but doesn't score so well on its financial health evaluation. BCP may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

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4

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1B 2B 3B 4B

1.2 Ratios

With a decent Return On Assets value of 0.92%, BCP is doing good in the industry, outperforming 62.50% of the companies in the same industry.
With a decent Return On Equity value of 13.20%, BCP is doing good in the industry, outperforming 70.45% of the companies in the same industry.
Industry RankSector Rank
ROA 0.92%
ROE 13.2%
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
BCP.LS Yearly ROA, ROE, ROICBCP.LS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

The Profit Margin of BCP (23.02%) 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 RankSector Rank
OM N/A
PM (TTM) 23.02%
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
BCP.LS Yearly Profit, Operating, Gross MarginsBCP.LS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20

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3

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.
BCP.LS Yearly Shares OutstandingBCP.LS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B
BCP.LS Yearly Total Debt VS Total AssetsBCP.LS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B 80B

2.2 Solvency

The Debt to FCF ratio of BCP is 0.90, which is an excellent value as it means it would take BCP, only 0.90 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.90, BCP belongs to the best of the industry, outperforming 96.59% of the companies in the same industry.
A Debt/Equity ratio of 0.70 indicates that BCP is somewhat dependend on debt financing.
BCP has a better Debt to Equity ratio (0.70) than 84.09% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 0.9
Altman-Z N/A
ROIC/WACCN/A
WACC6.26%
BCP.LS Yearly LT Debt VS Equity VS FCFBCP.LS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

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4

3. Growth

3.1 Past

BCP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 86.96%, which is quite impressive.
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.
BCP shows a decrease in Revenue. In the last year, the revenue decreased by -2.14%.
The Revenue has been growing by 9.94% on average over the past years. This is quite good.
EPS 1Y (TTM)86.96%
EPS 3Y75.44%
EPS 5Y10.35%
EPS Q2Q%-50%
Revenue 1Y (TTM)-2.14%
Revenue growth 3Y14.76%
Revenue growth 5Y9.94%
Sales Q2Q%-0.67%

3.2 Future

The Earnings Per Share is expected to grow by 7.40% 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 1.68% on average per year.
EPS Next Y15.25%
EPS Next 2Y5.46%
EPS Next 3Y9.44%
EPS Next 5Y7.4%
Revenue Next Year-3.74%
Revenue Next 2Y-1.34%
Revenue Next 3Y0.27%
Revenue Next 5Y1.68%

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.
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.05 -0.05

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7

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 5.49 indicates a rather cheap valuation of BCP.
89.77% of the companies in the same industry are more expensive than BCP, based on the Price/Earnings ratio.
BCP is valuated cheaply when we compare the Price/Earnings ratio to 28.47, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.23, which indicates a very decent valuation of BCP.
BCP's Price/Forward Earnings ratio is in line with the industry average.
BCP is valuated cheaply when we compare the Price/Forward Earnings ratio to 92.74, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.49
Fwd PE 8.23
BCP.LS Price Earnings VS Forward Price EarningsBCP.LS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BCP is valued cheaply inside the industry as 92.05% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.38
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

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)0.36
PEG (5Y)0.53
EPS Next 2Y5.46%
EPS Next 3Y9.44%

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2

5. Dividend

5.1 Amount

BCP has a Yearly Dividend Yield of 3.37%. Purely for dividend investing, there may be better candidates out there.
BCP's Dividend Yield is slightly below the industry average, which is at 5.05.
Compared to an average S&P500 Dividend Yield of 2.28, BCP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.37%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
BCP.LS Yearly Dividends per shareBCP.LS Yearly Dividends per shareYearly Dividends per share 2019 2022 2024 0.01 0.01 0.02

5.3 Sustainability

DPN/A
EPS Next 2Y5.46%
EPS Next 3Y9.44%
BCP.LS Yearly Income VS Free CF VS DividendBCP.LS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1B 2B 3B 4B

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BANCO COMERCIAL PORTUGUES-R

ELI:BCP (2/5/2025, 11:36:50 AM)

0.494

0 (-0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2024-10-30/amc
Earnings (Next)02-27 2025-02-27/amc
Inst Owners16.79%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap7.47B
Analysts80
Price Target0.59 (19.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.37%
Yearly Dividend0
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-40.59%
Min EPS beat(2)-80.2%
Max EPS beat(2)-0.99%
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)3
Avg EPS beat(8)50.99%
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)0.79%
Min Revenue beat(2)-1.17%
Max Revenue beat(2)2.74%
Revenue beat(4)2
Avg Revenue beat(4)-0.26%
Min Revenue beat(4)-4.47%
Max Revenue beat(4)2.74%
Revenue beat(8)5
Avg Revenue beat(8)4.67%
Revenue beat(12)9
Avg Revenue beat(12)13.79%
Revenue beat(16)13
Avg Revenue beat(16)13.81%
PT rev (1m)2.17%
PT rev (3m)12.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)4.58%
EPS NY rev (3m)5.26%
Revenue NQ rev (1m)-3.21%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.81%
Revenue NY rev (3m)1.26%
Valuation
Industry RankSector Rank
PE 5.49
Fwd PE 8.23
P/S 1.87
P/FCF 1.38
P/OCF 1.35
P/B 1.07
P/tB 1.11
EV/EBITDA N/A
EPS(TTM)0.09
EY18.22%
EPS(NY)0.06
Fwd EY12.16%
FCF(TTM)0.36
FCFY72.42%
OCF(TTM)0.37
OCFY74.28%
SpS0.26
BVpS0.46
TBVpS0.44
PEG (NY)0.36
PEG (5Y)0.53
Profitability
Industry RankSector Rank
ROA 0.92%
ROE 13.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.02%
GM N/A
FCFM 135.38%
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 RankSector Rank
Debt/Equity 0.7
Debt/FCF 0.9
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 3.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 588.12%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC6.26%
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 Y15.25%
EPS Next 2Y5.46%
EPS Next 3Y9.44%
EPS Next 5Y7.4%
Revenue 1Y (TTM)-2.14%
Revenue growth 3Y14.76%
Revenue growth 5Y9.94%
Sales Q2Q%-0.67%
Revenue Next Year-3.74%
Revenue Next 2Y-1.34%
Revenue Next 3Y0.27%
Revenue Next 5Y1.68%
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 1Y504.88%
FCF growth 3Y8.97%
FCF growth 5Y-0.24%
OCF growth 1Y551.59%
OCF growth 3Y9.18%
OCF growth 5Y-0.05%