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

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

0.5538  +0.01 (+2.44%)

Fundamental Rating

3

Taking everything into account, BCP scores 3 out of 10 in our fundamental rating. BCP was compared to 99 industry peers in the Banks industry. BCP has a bad profitability rating. Also its financial health evaluation is rather negative. BCP is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BCP was profitable.
BCP had a positive operating cash flow in the past year.
In the past 5 years BCP has always been profitable.
In multiple years BCP reported negative operating cash flow during the last 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 2024 0 1B 2B 3B 4B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.92%, BCP is in the better half of the industry, outperforming 61.29% of the companies in the same industry.
The Return On Equity of BCP (13.20%) is better than 68.82% of its industry peers.
Industry RankSector Rank
ROA 0.92%
ROE 13.2%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

BCP has a Profit Margin (23.02%) which is in line with 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 RankSector Rank
OM N/A
PM (TTM) 23.02%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y67.86%
PM growth 5Y16.83%
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 2024 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.
BCP has about the same amout of shares outstanding than it did 1 year ago.
BCP has about the same amout of shares outstanding than it did 5 years ago.
BCP has a worse debt/assets ratio than last year.
BCP.LS Yearly Shares OutstandingBCP.LS Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

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.
BCP has a Debt to FCF ratio of 0.90. This is amongst the best in the industry. BCP outperforms 97.85% of its industry peers.
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 81.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 0.9
Altman-Z N/A
ROIC/WACCN/A
WACC6.54%
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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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3

3. Growth

3.1 Past

The earnings per share for BCP have decreased by -3.69% in the last year.
BCP shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 24.57% yearly.
BCP shows a decrease in Revenue. In the last year, the revenue decreased by -4.10%.
The Revenue has been growing slightly by 6.64% on average over the past years.
EPS 1Y (TTM)-3.69%
EPS 3Y137.13%
EPS 5Y24.57%
EPS Q2Q%-44.93%
Revenue 1Y (TTM)-4.1%
Revenue growth 3Y11.54%
Revenue growth 5Y6.64%
Sales Q2Q%10.31%

3.2 Future

The Earnings Per Share is expected to grow by 6.09% on average over the next years.
The Revenue is expected to grow by 3.13% on average over the next years.
EPS Next Y-2.3%
EPS Next 2Y7.73%
EPS Next 3Y2.26%
EPS Next 5Y6.09%
Revenue Next Year2.2%
Revenue Next 2Y2.78%
Revenue Next 3Y2.99%
Revenue Next 5Y3.13%

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.
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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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.08 indicates a reasonable valuation of BCP.
Based on the Price/Earnings ratio, BCP is valued a bit more expensive than 68.82% of the companies in the same industry.
When comparing the Price/Earnings ratio of BCP to the average of the S&P500 Index (29.35), we can say BCP is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.31, the valuation of BCP can be described as very reasonable.
BCP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BCP is cheaper than 60.22% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.10. BCP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.08
Fwd PE 9.31
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 25

4.2 Price Multiples

95.70% of the companies in the same industry are more expensive than BCP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.55
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

PEG (NY)N/A
PEG (5Y)0.45
EPS Next 2Y7.73%
EPS Next 3Y2.26%

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2

5. Dividend

5.1 Amount

BCP has a Yearly Dividend Yield of 3.14%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 3.14, BCP pays less dividend than the industry average, which is at 5.06. 80.65% of the companies listed in the same industry pay a better dividend than BCP!
BCP's Dividend Yield is a higher than the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 3.14%

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 2Y7.73%
EPS Next 3Y2.26%
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 2024 0 1B 2B 3B 4B

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BANCO COMERCIAL PORTUGUES-R

ELI:BCP (3/7/2025, 7:00:00 PM)

0.5538

+0.01 (+2.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-26 2025-02-26/amc
Earnings (Next)05-21 2025-05-21
Inst Owners17.6%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap8.37B
Analysts78.82
Price Target0.62 (11.95%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.14%
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)4.75%
PT rev (3m)8.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.91%
EPS NY rev (3m)-0.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.99%
Revenue NY rev (1m)0.88%
Revenue NY rev (3m)3.08%
Valuation
Industry RankSector Rank
PE 11.08
Fwd PE 9.31
P/S 2.1
P/FCF 1.55
P/OCF 1.51
P/B 1.2
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)0.05
EY9.03%
EPS(NY)0.06
Fwd EY10.75%
FCF(TTM)0.36
FCFY64.6%
OCF(TTM)0.37
OCFY66.26%
SpS0.26
BVpS0.46
TBVpS0.44
PEG (NY)N/A
PEG (5Y)0.45
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)0.68%
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
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 3Y67.86%
PM growth 5Y16.83%
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
WACC6.54%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3.69%
EPS 3Y137.13%
EPS 5Y24.57%
EPS Q2Q%-44.93%
EPS Next Y-2.3%
EPS Next 2Y7.73%
EPS Next 3Y2.26%
EPS Next 5Y6.09%
Revenue 1Y (TTM)-4.1%
Revenue growth 3Y11.54%
Revenue growth 5Y6.64%
Sales Q2Q%10.31%
Revenue Next Year2.2%
Revenue Next 2Y2.78%
Revenue Next 3Y2.99%
Revenue Next 5Y3.13%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-0.91%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y52.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y51.23%
OCF growth 3YN/A
OCF growth 5YN/A