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Banco Comercial PortuguesBPCGF 47 Cash-to-Debt is 0.56 as of Jun. 2026, which is 22% below its 10-year median of 0.72. GuruFocus rates BPCGF with a GF Score™ of 47/100 and a GF Value™ of $0.72 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,498 Banks companies, Banco Comercial Portugues ranks worse than 72.7% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Banco Comercial Portugues's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.56.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Banco Comercial Portuguescouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Banco Comercial Portugues's Cash-to-Debt or its related term are showing as below:
BPCGF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.32 Med: 0.72 Max: 2.85
Current: 0.56
During the past 13 years, Banco Comercial Portugues's highest Cash to Debt Ratio was 2.85. The lowest was 0.32. And the median was 0.72.
BPCGF's Cash-to-Debt is ranked worse than 72.7% of 1498
companies
in the Banks industry
Industry Median: 1.375
vs BPCGF: 0.56
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Banco Comercial Portugues Cash-to-Debt Related Terms
Banco Comercial Portugues Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Banco Comercial Portugues's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Banco Comercial Portugues Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Banco Comercial Portugues's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Banco Comercial Portugues's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Banco Comercial Portugues (BPCGF) has a Cash-to-Debt of 0.56 as of Jun. 2026. This is 22% below median its historical median of 0.72. Over the past decade, Banco Comercial Portugues' Cash-to-Debt has ranged from 0.32 to 2.85. According to the industry distribution chart, Banco Comercial Portugues ranks #1089 out of 1498 companies in the Banks industry, placing it in the top 72.7%.
Is Banco Comercial Portugues' Cash-to-Debt too high?
Banco Comercial Portugues' current Cash-to-Debt of 0.56 is 22% below median its 10-year median of 0.72. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 2.85. The Banks industry median Cash-to-Debt is 1.38. Banco Comercial Portugues' value of 0.56 is 59.3% below this industry median. Based on the distribution chart, Banco Comercial Portugues ranks #1089 out of 1498 companies in the Banks industry, which is below the industry midpoint. Overall, Banco Comercial Portugues has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Comercial Portugues' Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Banco Comercial Portugues ranks #1089 out of 1498 companies for Cash-to-Debt. This places Banco Comercial Portugues in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Banco Comercial Portugues' value of 0.56 is 59.3% below this benchmark. Historically, Banco Comercial Portugues' own Cash-to-Debt has ranged from 0.32 to 2.85 over the past decade. While the company's 10-year median is 0.72 vs. the industry median of 1.38, Banco Comercial Portugues has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Comercial Portugues's current Cash-to-Debt of 0.56 is 59.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Comercial Portugues's current Cash-to-Debt is 0.56, which is 22% below median its own 10-year median of 0.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Comercial Portugues stock overvalued right now?
Based on GuruFocus' analysis, Banco Comercial Portugues (BPCGF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.72, compared to a current price of $1.28 — trading 77.8% above its estimated fair value. The current Cash-to-Debt is 0.56, which is 22% below median its 10-year median of 0.72 and 59.3% below the Banks industry median of 1.38. Banco Comercial Portugues' overall GF Score™ is 47/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Banco Comercial Portugues (BPCGF), the current Cash-to-Debt is 0.56 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Banco Comercial Portugues (BPCGF) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Comercial Portugues stock appears to be overvalued.
The current stock price of $1.28 is trading 77.8% above its estimated GF Value™ of $0.72.
GuruFocus considers Banco Comercial Portugues to be Significantly Overvalued.
Key valuation signals for BPCGF:
Cash-to-Debt: 0.56 (22% below median its 10-year median of 0.72)
GF Value™: $0.72 vs. price of $1.28 (77.8% above fair value)
Industry Position: 59.3% below the Banks median (#1089 of 1498)
No single metric tells the full story. See the BPCGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Comercial Portugues SA is a Portuguese private sector bank operating in Portugal, as well as Poland, Mozambique, Macau, and Angola. The bank offers a wide range of retail and corporate banking products and services. Its distribution network includes traditional branches, as well as online banking, call centers, mobile banking, ATMs, and point of sale systems. Along with its subsidiaries, it operates in the following segments: Retail Banking, Companies and Corporate, Private Banking, International Businesses, and Other. Maximum revenue is generated from the Retail Banking segment, which serves individuals, small businesses, and SMEs through a mix of mass-market services, personalized relationship management for higher-value customers, and includes the operations of ActivoBank.
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