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Also traded in: Germany, Portugal, UK, USA

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 3/10

vs
industry
vs
history
Cash-to-Debt 0.48
BPCGY's Cash-to-Debt is ranked lower than
68% of the 1374 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.22 vs. BPCGY: 0.48 )
Ranked among companies with meaningful Cash-to-Debt only.
BPCGY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.3 Max: 4.05
Current: 0.48
0.13
4.05
Equity-to-Asset 0.08
BPCGY's Equity-to-Asset is ranked lower than
71% of the 1386 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.11 vs. BPCGY: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
BPCGY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.06 Max: 0.09
Current: 0.08
0.03
0.09
Debt-to-Equity 0.85
BPCGY's Debt-to-Equity is ranked lower than
57% of the 1222 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.72 vs. BPCGY: 0.85 )
Ranked among companies with meaningful Debt-to-Equity only.
BPCGY' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.3  Med: 3.15 Max: 6.63
Current: 0.85
0.3
6.63
Debt-to-EBITDA 2.27
BPCGY's Debt-to-EBITDA is ranked lower than
56% of the 1236 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.99 vs. BPCGY: 2.27 )
Ranked among companies with meaningful Debt-to-EBITDA only.
BPCGY' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 2.27
Beneish M-Score: -2.49
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 1/10

vs
industry
vs
history
Net Margin % 10.26
BPCGY's Net Margin % is ranked lower than
83% of the 1390 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 23.34 vs. BPCGY: 10.26 )
Ranked among companies with meaningful Net Margin % only.
BPCGY' s Net Margin % Range Over the Past 10 Years
Min: -57.56  Med: 4.51 Max: 12.21
Current: 10.26
-57.56
12.21
ROE % 3.74
BPCGY's ROE % is ranked lower than
80% of the 1390 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.73 vs. BPCGY: 3.74 )
Ranked among companies with meaningful ROE % only.
BPCGY' s ROE % Range Over the Past 10 Years
Min: -33.87  Med: 2.02 Max: 5.75
Current: 3.74
-33.87
5.75
ROA % 0.31
BPCGY's ROA % is ranked lower than
81% of the 1396 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.90 vs. BPCGY: 0.31 )
Ranked among companies with meaningful ROA % only.
BPCGY' s ROA % Range Over the Past 10 Years
Min: -1.33  Med: 0.13 Max: 0.35
Current: 0.31
-1.33
0.35
3-Year Revenue Growth Rate -37.20
BPCGY's 3-Year Revenue Growth Rate is ranked lower than
98% of the 1293 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 4.30 vs. BPCGY: -37.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BPCGY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -76.9  Med: -15.35 Max: -4.7
Current: -37.2
-76.9
-4.7
GuruFocus has detected 2 Warning Signs with Banco Comercial Portugues SA BPCGY.
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» BPCGY's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - Europe    NAICS: 523920    SIC: 6799
Compare:OCSE:JYSK, WBO:BG, IST:DENIZ, IST:SAHOL, WAR:FMBK, MIL:BAMI, TPE:2887, XSWX:LUKN, IST:QNBFB, MIL:BMED, MIL:UBI, ATH:ALPHA, LSE:MTRO, MIL:BGN, IST:VAKBN, LSE:CYBG, WBO:OBV, LSE:TCS, MIL:BMPS, XBRU:DEXB » details
Traded in other countries:BCPN.Germany, BCP.Portugal, 0RJN.UK, BPCGF.USA,
Headquarter Location:Portugal
Banco Comercial Portugues SA is banking corporation. It provides financial products and services such as current accounts, means of payment, saving and investment products, private banking, asset management and investment banking and mortgage loans.

Banco Comercial Portugues SA or Millennium BCP, is a Portuguese bank operating primarily 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.

Ratios

vs
industry
vs
history
PE Ratio 8.33
BPCGY's PE Ratio is ranked higher than
80% of the 1278 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.76 vs. BPCGY: 8.33 )
Ranked among companies with meaningful PE Ratio only.
BPCGY' s PE Ratio Range Over the Past 10 Years
Min: 0.4  Med: 10.03 Max: 240
Current: 8.33
0.4
240
Forward PE Ratio 8.37
BPCGY's Forward PE Ratio is ranked higher than
51% of the 464 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.40 vs. BPCGY: 8.37 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 8.33
BPCGY's PE Ratio without NRI is ranked higher than
80% of the 1278 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.76 vs. BPCGY: 8.33 )
Ranked among companies with meaningful PE Ratio without NRI only.
BPCGY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 0.43  Med: 10 Max: 111.67
Current: 8.33
0.43
111.67
Price-to-Owner-Earnings 19.23
BPCGY's Price-to-Owner-Earnings is ranked lower than
72% of the 813 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 15.15 vs. BPCGY: 19.23 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BPCGY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.77  Med: 20 Max: 70
Current: 19.23
2.77
70
PB Ratio 0.66
BPCGY's PB Ratio is ranked higher than
77% of the 1383 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.24 vs. BPCGY: 0.66 )
Ranked among companies with meaningful PB Ratio only.
BPCGY' s PB Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.62 Max: 1.88
Current: 0.66
0.13
1.88
PS Ratio 1.75
BPCGY's PS Ratio is ranked higher than
78% of the 1373 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.41 vs. BPCGY: 1.75 )
Ranked among companies with meaningful PS Ratio only.
BPCGY' s PS Ratio Range Over the Past 10 Years
Min: 0.22  Med: 1.17 Max: 10.45
Current: 1.75
0.22
10.45
Price-to-Free-Cash-Flow 2.45
BPCGY's Price-to-Free-Cash-Flow is ranked higher than
87% of the 754 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.61 vs. BPCGY: 2.45 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BPCGY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.11  Med: 1.26 Max: 14.75
Current: 2.45
0.11
14.75
Price-to-Operating-Cash-Flow 2.36
BPCGY's Price-to-Operating-Cash-Flow is ranked higher than
86% of the 803 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.07 vs. BPCGY: 2.36 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BPCGY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.1  Med: 1.22 Max: 10.66
Current: 2.36
0.1
10.66
EV-to-Revenue 3.44
BPCGY's EV-to-Revenue is ranked higher than
63% of the 1151 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 4.50 vs. BPCGY: 3.44 )
Ranked among companies with meaningful EV-to-Revenue only.
BPCGY' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.9  Med: 4.9 Max: 16.8
Current: 3.44
1.9
16.8

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -53.30
BPCGY's 3-Year Average Share Buyback Ratio is ranked lower than
98% of the 975 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -2.40 vs. BPCGY: -53.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BPCGY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -53.3  Med: -17.95 Max: -0.1
Current: -53.3
-53.3
-0.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.68
BPCGY's Price-to-Tangible-Book is ranked higher than
77% of the 1370 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.33 vs. BPCGY: 0.68 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BPCGY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.24  Med: 0.7 Max: 4.84
Current: 0.68
0.24
4.84
Price-to-Intrinsic-Value-Projected-FCF 0.14
BPCGY's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
97% of the 867 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.82 vs. BPCGY: 0.14 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BPCGY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.02  Med: 0.11 Max: 0.25
Current: 0.14
0.02
0.25
Price-to-Median-PS-Value 1.47
BPCGY's Price-to-Median-PS-Value is ranked lower than
79% of the 1305 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.11 vs. BPCGY: 1.47 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BPCGY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.22  Med: 1 Max: 9.05
Current: 1.47
0.22
9.05
Price-to-Graham-Number 0.51
BPCGY's Price-to-Graham-Number is ranked higher than
80% of the 1212 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.01 vs. BPCGY: 0.51 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BPCGY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.07  Med: 0.51 Max: 1.72
Current: 0.51
0.07
1.72

More Statistics

Revenue (TTM) (Mil) $2,557.32
EPS (TTM) $ 0.35
Beta-1.03
52-Week Range $2.18 - 2.18
Shares Outstanding (Mil)1,511.37 (ADR)

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 2,574 2,631 2,774
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 0.23 0.35 0.46
EPS without NRI ($) 0.23 0.35 0.46
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.12 0.12

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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