Banco Comercial Português, S.A. Logo

Banco Comercial Português, S.A.

BCP.LS

(2.2)
Stock Price

0,44 EUR

0.92% ROA

14.92% ROE

6.81x PER

Market Cap.

6.254.039.237,00 EUR

92.68% DER

4.11% Yield

17.94% NPM

Banco Comercial Português, S.A. Stock Analysis

Banco Comercial Português, S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banco Comercial Português, S.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.76x), the stock offers substantial upside potential at a bargain price.

2 ROE

ROE in an average range (8.5%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (0.5%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 DER

The stock has a reasonable amount of debt compared to its ownership (80%), suggesting a balanced financial position and a moderate level of risk.

5 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

6 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

7 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

8 Buffet Intrinsic Value

The company's stock seems undervalued (2) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

Banco Comercial Português, S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banco Comercial Português, S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Banco Comercial Português, S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banco Comercial Português, S.A. Revenue
Year Revenue Growth
2000 2.693.080.000
2001 2.566.270.000 -4.94%
2002 2.631.475.000 2.48%
2004 3.145.885.000 16.35%
2005 2.941.967.000 -6.93%
2006 2.776.858.000 -5.95%
2007 2.805.542.000 1.02%
2008 2.655.184.000 -5.66%
2009 2.419.526.000 -9.74%
2010 2.882.054.000 16.05%
2011 2.142.386.000 -34.53%
2012 2.193.885.000 2.35%
2013 1.751.699.000 -25.24%
2014 2.219.584.000 21.08%
2015 2.623.717.000 15.4%
2016 1.916.931.000 -36.87%
2017 2.214.910.000 13.45%
2018 2.259.152.000 1.96%
2019 2.474.532.000 8.7%
2020 2.455.286.000 -0.78%
2021 2.508.817.000 2.13%
2022 3.084.372.000 18.66%
2023 3.661.116.000 15.75%
2023 5.289.561.000 30.79%
2024 5.700.840.000 7.21%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banco Comercial Português, S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banco Comercial Português, S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2004 585.383.000 100%
2005 398.668.000 -46.83%
2006 391.146.000 -1.92%
2007 435.192.000 10.12%
2008 642.641.000 32.28%
2009 570.177.000 -12.71%
2010 601.845.000 5.26%
2011 377.982.000 -59.23%
2012 371.084.000 -1.86%
2013 223.201.000 -66.26%
2014 296.821.000 24.8%
2015 281.330.000 -5.51%
2016 169.657.000 -65.82%
2017 169.693.000 0.02%
2018 194.829.000 12.9%
2019 241.402.000 19.29%
2020 208.394.000 -15.84%
2021 196.123.000 -6.26%
2022 213.187.000 8%
2023 393.928.000 45.88%
2023 393.246.000 -0.17%
2024 406.396.000 3.24%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banco Comercial Português, S.A. EBITDA
Year EBITDA Growth
2000 778.151.000
2001 804.018.000 3.22%
2002 502.124.000 -60.12%
2004 910.669.000 44.86%
2005 990.728.000 8.08%
2006 1.043.607.000 5.07%
2007 747.753.000 -39.57%
2008 398.023.000 -87.87%
2009 376.170.000 -5.81%
2010 408.761.000 7.97%
2011 -1.211.370.000 133.74%
2012 -1.318.821.000 8.15%
2013 -883.126.000 -49.34%
2014 -258.752.000 -241.3%
2015 358.364.000 172.2%
2016 -308.105.000 216.31%
2017 270.132.000 214.06%
2018 962.935.000 71.95%
2019 666.066.000 -44.57%
2020 456.805.000 -45.81%
2021 478.864.000 4.61%
2022 1.238.530.000 61.34%
2023 1.613.892.000 23.26%
2023 107.354.000 -1403.34%
2024 89.656.000 -19.74%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banco Comercial Português, S.A. Gross Profit
Year Gross Profit Growth
2000 2.693.080.000
2001 2.566.270.000 -4.94%
2002 2.631.475.000 2.48%
2004 3.145.885.000 16.35%
2005 2.941.967.000 -6.93%
2006 2.776.858.000 -5.95%
2007 2.805.542.000 1.02%
2008 2.655.184.000 -5.66%
2009 2.419.526.000 -9.74%
2010 2.882.054.000 16.05%
2011 2.142.386.000 -34.53%
2012 2.193.885.000 2.35%
2013 1.751.699.000 -25.24%
2014 2.219.584.000 21.08%
2015 2.623.717.000 15.4%
2016 1.916.931.000 -36.87%
2017 2.214.910.000 13.45%
2018 2.294.292.000 3.46%
2019 2.474.532.000 7.28%
2020 2.455.286.000 -0.78%
2021 2.508.817.000 2.13%
2022 3.084.372.000 18.66%
2023 3.661.116.000 15.75%
2023 5.289.561.000 30.79%
2024 5.700.840.000 7.21%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banco Comercial Português, S.A. Net Profit
Year Net Profit Growth
2000 505.498.000
2001 571.672.000 11.58%
2002 272.721.000 -109.62%
2004 631.534.000 56.82%
2005 753.490.000 16.19%
2006 779.894.000 3.39%
2007 563.287.000 -38.45%
2008 201.182.000 -179.99%
2009 225.217.000 10.67%
2010 301.612.000 25.33%
2011 -848.623.000 135.54%
2012 -1.219.053.000 30.39%
2013 -740.450.000 -64.64%
2014 -226.620.000 -226.74%
2015 235.344.000 196.29%
2016 23.938.000 -883.14%
2017 186.391.000 87.16%
2018 301.065.000 38.09%
2019 302.003.000 0.31%
2020 183.012.000 -65.02%
2021 -45.889.000 498.81%
2022 124.138.000 136.97%
2023 909.864.000 86.36%
2023 856.050.000 -6.29%
2024 1.003.892.000 14.73%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banco Comercial Português, S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 1
2001 1 0%
2002 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 -1 0%
2012 -1 0%
2013 0 0%
2014 0 0%
2015 3 100%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banco Comercial Português, S.A. Free Cashflow
Year Free Cashflow Growth
2000 923.109.000
2001 778.292.000 -18.61%
2002 860.480.000 9.55%
2004 -3.111.847.000 127.65%
2005 -1.187.543.000 -162.04%
2006 -4.509.312.000 73.66%
2007 -6.101.920.000 26.1%
2008 4.457.640.000 236.89%
2009 -4.210.436.000 205.87%
2010 7.913.613.000 153.2%
2011 6.744.432.000 -17.34%
2012 5.543.779.000 -21.66%
2013 5.020.842.000 -10.42%
2014 1.645.381.000 -205.15%
2015 1.162.287.000 -41.56%
2016 3.022.336.000 61.54%
2017 488.821.000 -518.29%
2018 3.893.739.000 87.45%
2019 424.030.000 -818.27%
2020 2.973.798.000 85.74%
2021 4.331.218.000 31.34%
2022 -705.770.000 713.69%
2023 620.821.000 213.68%
2023 3.030.268.000 79.51%
2024 1.427.307.000 -112.31%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banco Comercial Português, S.A. Operating Cashflow
Year Operating Cashflow Growth
2000 1.135.852.000
2001 1.092.750.000 -3.94%
2002 1.087.058.000 -0.52%
2004 -2.796.295.000 138.87%
2005 -1.123.030.000 -149%
2006 -4.399.601.000 74.47%
2007 -5.923.929.000 25.73%
2008 4.682.723.000 226.51%
2009 -4.177.722.000 212.09%
2010 8.064.922.000 151.8%
2011 6.847.604.000 -17.78%
2012 5.657.157.000 -21.04%
2013 5.096.998.000 -10.99%
2014 1.765.144.000 -188.76%
2015 1.253.111.000 -40.86%
2016 3.091.617.000 59.47%
2017 577.214.000 -435.61%
2018 3.982.299.000 85.51%
2019 529.745.000 -651.74%
2020 3.052.537.000 82.65%
2021 4.411.682.000 30.81%
2022 -579.581.000 861.18%
2023 641.499.000 190.35%
2023 3.155.151.000 79.67%
2024 1.454.407.000 -116.94%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banco Comercial Português, S.A. Capital Expenditure
Year Capital Expenditure Growth
2000 212.743.000
2001 314.458.000 32.35%
2002 226.578.000 -38.79%
2004 315.552.000 28.2%
2005 64.513.000 -389.13%
2006 109.711.000 41.2%
2007 177.991.000 38.36%
2008 225.083.000 20.92%
2009 32.714.000 -588.03%
2010 151.309.000 78.38%
2011 103.172.000 -46.66%
2012 113.378.000 9%
2013 76.156.000 -48.88%
2014 119.763.000 36.41%
2015 90.824.000 -31.86%
2016 69.281.000 -31.1%
2017 88.393.000 21.62%
2018 88.560.000 0.19%
2019 105.715.000 16.23%
2020 78.739.000 -34.26%
2021 80.464.000 2.14%
2022 126.189.000 36.24%
2023 20.678.000 -510.26%
2023 124.883.000 83.44%
2024 27.100.000 -360.82%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banco Comercial Português, S.A. Equity
Year Equity Growth
2000 3.101.455.000
2001 3.534.392.000 12.25%
2002 3.543.691.000 0.26%
2004 3.610.767.000 1.86%
2005 4.602.020.000 21.54%
2006 5.067.940.000 9.19%
2007 4.899.255.000 -3.44%
2008 6.248.234.000 21.59%
2009 7.220.801.000 13.47%
2010 7.247.476.000 0.37%
2011 4.374.370.000 -65.68%
2012 4.000.188.000 -9.35%
2013 3.275.808.000 -22.11%
2014 4.986.907.000 34.31%
2015 5.680.571.000 12.21%
2016 5.265.181.000 -7.89%
2017 7.179.736.000 26.67%
2018 6.963.906.000 -3.1%
2019 7.381.254.000 5.65%
2020 7.386.270.000 0.07%
2021 7.062.057.000 -4.59%
2022 5.920.565.000 -19.28%
2023 7.299.498.000 18.89%
2023 6.847.913.000 -6.59%
2024 7.227.093.000 5.25%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banco Comercial Português, S.A. Assets
Year Assets Growth
2000 61.433.847.000
2001 62.392.973.000 1.54%
2002 61.141.749.000 -2.05%
2004 71.320.363.000 14.27%
2005 76.849.602.000 7.19%
2006 79.258.746.000 3.04%
2007 88.166.161.000 10.1%
2008 94.423.724.000 6.63%
2009 95.550.410.000 1.18%
2010 100.009.739.000 4.46%
2011 93.482.076.000 -6.98%
2012 89.744.039.000 -4.17%
2013 82.007.033.000 -9.43%
2014 76.360.916.000 -7.39%
2015 74.884.879.000 -1.97%
2016 71.264.811.000 -5.08%
2017 71.939.450.000 0.94%
2018 75.923.049.000 5.25%
2019 81.643.408.000 7.01%
2020 85.813.421.000 4.86%
2021 92.904.812.000 7.63%
2022 89.860.541.000 -3.39%
2023 94.379.778.000 4.79%
2023 91.169.239.000 -3.52%
2024 99.698.042.000 8.55%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banco Comercial Português, S.A. Liabilities
Year Liabilities Growth
2000 58.332.392.000
2001 58.858.581.000 0.89%
2002 57.598.058.000 -2.19%
2004 67.709.596.000 14.93%
2005 72.247.582.000 6.28%
2006 74.190.806.000 2.62%
2007 83.266.906.000 10.9%
2008 88.175.490.000 5.57%
2009 88.329.609.000 0.17%
2010 92.762.263.000 4.78%
2011 89.107.706.000 -4.1%
2012 85.743.851.000 -3.92%
2013 78.731.225.000 -8.91%
2014 71.374.009.000 -10.31%
2015 69.204.308.000 -3.14%
2016 65.999.630.000 -4.86%
2017 64.759.714.000 -1.91%
2018 68.959.143.000 6.09%
2019 74.262.154.000 7.14%
2020 78.427.151.000 5.31%
2021 85.842.755.000 8.64%
2022 83.939.976.000 -2.27%
2023 87.080.280.000 3.61%
2023 4.800.254.000 -1714.08%
2024 92.470.949.000 94.81%

Banco Comercial Português, S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.34
Net Income per Share
0.06
Price to Earning Ratio
6.81x
Price To Sales Ratio
1.22x
POCF Ratio
0.93
PFCF Ratio
0.95
Price to Book Ratio
1.01
EV to Sales
1.53
EV Over EBITDA
18.31
EV to Operating CashFlow
1.17
EV to FreeCashFlow
1.19
Earnings Yield
0.15
FreeCashFlow Yield
1.05
Market Cap
6,25 Bil.
Enterprise Value
7,83 Bil.
Graham Number
0.75
Graham NetNet
-6.23

Income Statement Metrics

Net Income per Share
0.06
Income Quality
10.06
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.66
EBT Per Ebit
2.03
Ebit per Revenue
0.13
Effective Tax Rate
0.31

Margins

Sales, General, & Administrative to Revenue
0.1
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.13
Pretax Profit Margin
0.27
Net Profit Margin
0.18

Dividends

Dividend Yield
0.04
Dividend Yield %
4.11
Payout Ratio
0.02
Dividend Per Share
0.02

Operating Metrics

Operating Cashflow per Share
0.44
Free CashFlow per Share
0.44
Capex to Operating CashFlow
0.02
Capex to Revenue
0.02
Capex to Depreciation
1.95
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
29.86
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
12.22
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.01

Balance Sheet

Cash per Share
-0,25
Book Value per Share
0,48
Tangible Book Value per Share
0.46
Shareholders Equity per Share
0.41
Interest Debt per Share
0.5
Debt to Equity
0.93
Debt to Assets
0.06
Net Debt to EBITDA
3.69
Current Ratio
20.51
Tangible Asset Value
7,00 Bil.
Net Current Asset Value
-86,16 Bil.
Invested Capital
6829391000
Working Capital
6,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,42 Bil.
Average Payables
0,46 Bil.
Average Inventory
-614492000
Debt to Market Cap
0.92

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banco Comercial Português, S.A. Dividends
Year Dividends Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2009 0 0%
2010 0 0%
2019 0 0%
2022 0 0%
2024 0 0%

Banco Comercial Português, S.A. Profile

About Banco Comercial Português, S.A.

Banco Comercial Português, S.A., together with its subsidiaries, provides various banking and financial products and services under the Millennium bcp brand. It operates through Retail Banking; Companies, Corporate & Investment Banking; Private Banking; Foreign Business; and Other segments. The company offers a range of financial products and services, including current accounts, payment systems, savings and investment products, private banking, asset management, and investment banking services, such as mortgage loans, personal loans, commercial banking, leasing, factoring and insurance, and others. It also provides venture capital, real-estate management, e-commerce, brokerage, real estate investment fund, consulting, investment fund management, trade finance, and trust, as well as internet, telephone, and mobile banking services. As of December 31, 2021, the company operated through 1,288 branches, including 434 branches in Portugal and 854 branches internationally. Banco Comercial Português, S.A. was incorporated in 1985 and is based in Porto, Portugal.

CEO
Mr. Miguel Maya Dias Pinheiro
Employee
15.705
Address
Praça Dom João I, nº 28
Porto, 4000-295

Banco Comercial Português, S.A. Executives & BODs

Banco Comercial Português, S.A. Executives & BODs
# Name Age
1 Mr. Miguel Maya Dias Pinheiro
3rd Vice Chairman, Chief Executive Officer & Member of Board for Strategic Board
70
2 Mr. Miguel de Campos Pereira de Braganca
Chief Financial Officer & Executive Director
70
3 Ms. Maria Jose-Henriques-Barreto De Matos De Campos
Executive Director
70
4 Rui Manuel Pereira Pedro
Head of Audit Division
70
5 Mr. José Jacinto Iglésias Soares
Chief Operating Officer
70
6 Mr. Mário António Pinho Gaspar Neves
Group Head of Compliance
70
7 Mr. José Miguel Bensliman Schorcht Da Silva Pessanha
Executive Director
70
8 Dr. João Nuno de Oliveira Jorge Palma
Executive Director
70
9 Mr. Bernardo Roquette de Aragão de Portugal Collaço
Market Relations Representative & Head of the IR Division
70
10 Mr. Rui Manuel da Silva Teixeira
Executive Director
70

Banco Comercial Português, S.A. Competitors