Banco Comercial Portugues SA or Millennium BCP, is a Portuguese bank operating in Portugal, as well as Poland, Mozambique, and Angola. The bank offers a wide range of retail and corporate banking products and services. The bank's distribution network includes traditional branches, as well as online banking, call centers, mobile banking, ATMs, and point of sale systems. In addition to its emphasis on financial technology, BCP's business model has shifted focus to high-net worth individuals, business lending with growth potential, as well as divestiture of noncore assets in its portfolio. The bank's net revenue is mostly net interest income, with notable net commission and net trading income. Most of BCP's earning assets are loans split nearly evenly between retail and corporate.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.86
Equity-to-Asset	0.07
Debt-to-Equity	0.89
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.45	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

8/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	17.1
	3-Year EPS without NRI Growth Rate	75.4
	3-Year FCF Growth Rate	9
	3-Year Book Growth Rate	0.5
	Future 3-5Y Total Revenue Growth Rate	-4.21

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	64.6
	9-Day RSI	59.44
	14-Day RSI	58.38
	6-1 Month Momentum %	-1.59
	12-1 Month Momentum %	19.96

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Shareholder Yield %	-8.5

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	22.51
	FCF Margin %	101.29
	ROE %	14.97
	ROA %	0.94
	Years of Profitability over Past 10-Year	9

GF Value Rank

	Name	Current	Vs Industry		Vs History
	PE Ratio	3.66
	PE Ratio without NRI	7.24
	Shiller PE Ratio	6.73
	Price-to-Owner-Earnings	5.07
	PS Ratio	1.21
	PB Ratio	0.73
	Price-to-Tangible-Book	0.78
	Price-to-Free-Cash-Flow	1.2
	Price-to-Operating-Cash-Flow	1.16
	EV-to-Revenue	1.67
	EV-to-Forward-Revenue	3.18
	EV-to-FCF	1.65
	Price-to-Projected-FCF	0.21
	Price-to-Median-PS-Value	1.15
	Price-to-Graham-Number	0.5
	FCF Yield %	83.6
	Forward Rate of Return (Yacktman) %	37.64

GF Value: €0.21

STU:BCPN

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