Banco Comercial PortuguesBPCGY 52 Return-on-Tangible-Asset is 1.11% as of Mar. 2026, which is 247% above its 10-year median of 0.32. GuruFocus rates BPCGY with a GF Scoreâ„¢ of 52/100 and a GF Valueâ„¢ of $5.82 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,529 Banks companies, Banco Comercial Portugues ranks better than 65.27% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Banco Comercial Portugues's annualizedNet Income for the quarter that ended in Mar. 2026 was $1,414 Mil. Banco Comercial Portugues's average total tangible assets for the quarter that ended in Mar. 2026 was $127,841 Mil. Therefore, Banco Comercial Portugues's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.11%.
The historical rank and industry rank for Banco Comercial Portugues's Return-on-Tangible-Asset or its related term are showing as below:
BPCGY'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.03 Med: 0.32 Max: 1.23
Current: 1.23
During the past 13 years, Banco Comercial Portugues's highest Return-on-Tangible-Asset was 1.23%. The lowest was 0.03%. And the median was 0.32%.
BPCGY's Return-on-Tangible-Asset is ranked better than 65.27% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs BPCGY: 1.23
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companyÂ’s earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companyÂ’s tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Banco Comercial Portugues Return-on-Tangible-Asset Related Terms
Banco Comercial Portugues Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Banco Comercial Portugues's Return-on-Tangible-Asset can be seen below:
* 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.
BPCGY vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Banco Comercial Portugues's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Banco Comercial Portugues's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Banco Comercial Portugues's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.11% mean?
Banco Comercial Portugues (BPCGY) has a Return-on-Tangible-Asset of 1.11% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Banco Comercial Portugues and its competitors. This is 247% above median its historical median of 0.32. Over the past decade, Banco Comercial Portugues' Return-on-Tangible-Asset has ranged from 0.03 to 1.23. According to the industry distribution chart, Banco Comercial Portugues ranks #531 out of 1529 companies in the Banks industry, placing it in the top 34.7%.
Is Banco Comercial Portugues' Return-on-Tangible-Asset too high?
Banco Comercial Portugues' current Return-on-Tangible-Asset of 1.11% is 247% above median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 1.23. The Banks industry median Return-on-Tangible-Asset is 0.99. Banco Comercial Portugues' value of 1.11% is 12.1% above this industry median. Based on the distribution chart, Banco Comercial Portugues ranks #531 out of 1529 companies in the Banks industry, which is above the industry midpoint. Overall, Banco Comercial Portugues has a GF Scoreâ„¢ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Comercial Portugues' Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Banco Comercial Portugues ranks #531 out of 1529 companies for Return-on-Tangible-Asset. This puts Banco Comercial Portugues in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Banco Comercial Portugues' value of 1.11% is 12.1% above this benchmark. Historically, Banco Comercial Portugues' own Return-on-Tangible-Asset has ranged from 0.03 to 1.23 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 0.99, Banco Comercial Portugues has consistently been above 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Comercial Portugues's current Return-on-Tangible-Asset of 1.11% is 12.1% above 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Banco Comercial Portugues and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Comercial Portugues's current Return-on-Tangible-Asset is 1.11%, which is 247% above median its own 10-year median of 0.32. 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 (BPCGY) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.82, compared to a current price of $12.73 — trading 118.7% above its estimated fair value. The current Return-on-Tangible-Asset is 1.11%, which is 247% above median its 10-year median of 0.32 and 12.1% above the Banks industry median of 0.99. Banco Comercial Portugues' overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Banco Comercial Portugues (BPCGY), the current Return-on-Tangible-Asset is 1.11% as of Mar. 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 (BPCGY) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Comercial Portugues stock appears to be overvalued.
The current stock price of $12.73 is trading 118.7% above its estimated GF Value™ of $5.82.
GuruFocus considers Banco Comercial Portugues to be Significantly Overvalued.
Key valuation signals for BPCGY:
Return-on-Tangible-Asset: 1.11% (247% above median its 10-year median of 0.32)
GF Value™: $5.82 vs. price of $12.73 (118.7% above fair value)
Industry Position: 12.1% above the Banks median (#531 of 1529)
No single metric tells the full story. See the BPCGY 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.
52GF Score
Get the complete analysis for BPCGY
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BPCGY has been successfully added to your 
