Banco Comercial PortuguesBPCGY 46 ROE % is 15.30% as of Mar. 2026, which is 254% above its 10-year median of 4.32. GuruFocus rates BPCGY with a GF Score™ of 46/100 and a GF Value™ of $5.77 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, Banco Comercial Portugues ranks better than 87.52% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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.
For the Banks - Regional subindustry, Banco Comercial Portugues's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Comercial Portugues's ROE % distribution charts can be found below:
* The bar in red indicates where Banco Comercial Portugues's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Banco Comercial Portugues (BPCGY) has a ROE % of 15.30% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banco Comercial Portugues and its competitors. This is 254% above median its historical median of 4.32. Over the past decade, Banco Comercial Portugues' ROE % has ranged from 0.53 to 17.41. According to the industry distribution chart, Banco Comercial Portugues ranks #190 out of 1523 companies in the Banks industry, placing it in the top 12.5%.
Is Banco Comercial Portugues' ROE % too high?
Banco Comercial Portugues' current ROE % of 15.30% is 254% above median its 10-year median of 4.32. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 17.41. The Banks industry median ROE % is 10.22. Banco Comercial Portugues' value of 15.30% is 49.7% above this industry median. Based on the distribution chart, Banco Comercial Portugues ranks #190 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Comercial Portugues has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Comercial Portugues' ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Comercial Portugues ranks #190 out of 1523 companies for ROE %. This places Banco Comercial Portugues in the top 13% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Banco Comercial Portugues' value of 15.30% is 49.7% above this benchmark. Historically, Banco Comercial Portugues' own ROE % has ranged from 0.53 to 17.41 over the past decade. While the company's 10-year median is 4.32 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Comercial Portugues's current ROE % of 15.30% is 49.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banco Comercial Portugues and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Comercial Portugues's current ROE % is 15.30%, which is 254% above median its own 10-year median of 4.32. 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 $5.77, compared to a current price of $11.82 — trading 104.9% above its estimated fair value. The current ROE % is 15.30%, which is 254% above median its 10-year median of 4.32 and 49.7% above the Banks industry median of 10.22. Banco Comercial Portugues' overall GF Score™ is 46/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Banco Comercial Portugues (BPCGY), the current ROE % is 15.30% 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 $11.82 is trading 104.9% above its estimated GF Value™ of $5.77.
GuruFocus considers Banco Comercial Portugues to be Significantly Overvalued.
Key valuation signals for BPCGY:
ROE %: 15.30% (254% above median its 10-year median of 4.32)
GF Value™: $5.77 vs. price of $11.82 (104.9% above fair value)
Industry Position: 49.7% above the Banks median (#190 of 1523)
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.
46GF Score
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