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Banco Comercial Português, S.A. (BCP.LS)

EUR1.05 0.00 (-0.24%)
PT LIS Financial Services Banks - Regional
Address Praça Dom João I, 28 4000-295
Porto, PT
CEO Miguel Maya Dias Pinheiro
IPO 2000-01-03
ISIN PTBCP0AM0015

Explore sections of this company profile

Also trades on Euronext Lisbon · BCP.LS (EUR) Other OTC · BPCGF (USD)
Description

Operating under the Millennium bcp brand, Banco Comercial Português, S.A. (BCP) and its associated entities deliver a broad spectrum of banking and financial solutions. The institution structures its operations across several key divisions: Retail Banking, Companies, Corporate & Investment Banking, Private Banking, Foreign Business, and various other segments. Its extensive portfolio encompasses everyday financial instruments like checking accounts and payment processing, alongside diverse savings and wealth management options. This includes private banking, asset management, and comprehensive investment banking services, extending to home loans, personal credit, commercial lending, equipment leasing, factoring, and insurance. Furthermore, BCP engages in venture capital, property administration, e-commerce facilitation, securities brokerage, real estate investment funds, advisory services, fund management, international trade financing, and trust services. Modern digital banking channels, accessible via internet, phone, and mobile devices, are also key offerings. By the close of 2021 (December 31), BCP maintained a significant physical presence, managing a network of 1,288 branches globally, with 434 located domestically in Portugal and 854 established across international markets. Founded in 1985, Banco Comercial Português, S.A. is headquartered in Porto, Portugal.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR1.05 0.00 (-0.24%)
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Volume Profile
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Liquidity & share structure
Average Volume
50M
Beta
0.83
Float Shares
11.66B
Free Float %
78.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.89% -0.61% +1.91% +4.25% +13.41% +2.45% +52.42% +326.47% +515.00% +119.39% -96.02%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1.05
DCF (Unlevered) 1.79 +71.5%
DCF (Levered) 3.31 +216.2%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 63% Bullish
Rating 2026-05 Change
Strong Buy 3 0
Buy 7 0
Hold 6 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.29
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
★ Strong MOAT
  • Revenue growth
    +19.0% Q1'26: -9.1% (vs Q1'25)
  • EPS growth
    +14.4% Q1'26: +28.6% (vs Q1'25)
  • FCF margin
    Q1'26: -148.4% (vs Q1'25)
  • EBIT margin
    Q1'26: +37.4% (vs Q1'25)
  • ROIC
    Q1'26: +10.6% (vs Q1'25)
  • Share dilution
    -1.2% Q1'26: -2.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 3.43× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.87) × ERP
WACC = 70% × Ke + 30% × Kd (24.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 1.79 Current price: 1.05
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2010
actual
Dec 2011
actual
Dec 2012
actual
Dec 2013
actual
Dec 2014
actual
Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
14 Rev. Ana.
10 EPS Ana.
Dec 2027
15 Rev. Ana.
13 EPS Ana.
Dec 2028
15 Rev. Ana.
13 EPS Ana.
Dec 2029
11 Rev. Ana.
11 EPS Ana.
Revenue
4.84B
est: 2.73B (+77.3%)
4.62B
est: 2.60B (+77.8%)
4.53B
est: 2.14B (+111.7%)
3.74B
est: 1.79B (+108.2%)
3.76B
est: 2.23B (+68.2%)
3.39B
est: 2.53B (+34.1%)
2.60B
est: 2.07B (+25.2%)
2.73B
est: 2.15B (+26.7%)
2.73B
est: 2.20B (+23.6%)
2.92B
est: 2.36B (+23.8%)
2.68B
est: 2.28B (+17.2%)
2.63B
est: 2.31B (+13.5%)
3.67B
est: 2.80B (+31.1%)
5.41B
est: 3.42B (+57.9%)
5.62B
est: 3.56B (+57.6%)
6.69B
est: 3.77B (+77.2%)
3.93B
3.88B – 3.99B
+4.1% YoY
4.15B
4.04B – 4.26B
+5.6% YoY
4.36B
4.35B – 4.37B
+5.1% YoY
4.56B
4.48B – 4.66B
+4.7% YoY
EBITDA
528.34M
est: 546.94M (-3.4%)
-1.13B
est: 2.15B (-152.3%)
-470.95M
est: 981.28M (-148.0%)
-744.42M
est: 969.45M (-176.8%)
-107.86M
est: 447.37M (-124.1%)
362.40M
est: 1.39B (-74.0%)
-231.46M
est: 1.01B (-122.9%)
372.07M
est: 334.03M (+11.4%)
615.95M
est: 757.96M (-18.7%)
752.05M
est: 968.74M (-22.4%)
460.74M
est: 946.10M (-51.3%)
294.89M
est: 950.86M (-69.0%)
557.60M
est: 977.51M (-43.0%)
1.63B
est: 1.72B (-5.6%)
1.49B
est: 1.79B (-16.9%)
2.08B
est: 1.90B (+9.8%)
1.98B
1.95B – 2.01B
+4.1% YoY
2.09B
2.03B – 2.14B
+5.6% YoY
2.19B
2.19B – 2.20B
+5.1% YoY
2.30B
2.25B – 2.34B
+4.7% YoY
EBIT
418.11M
est: 318.46M (+31.3%)
-1.22B
est: 340.72M (-458.5%)
-539.00M
est: -1.02B (+47.2%)
-812.54M
est: -1.07B (+23.8%)
-173.41M
est: 197.55M (-187.8%)
308.32M
est: -199.12M (+254.8%)
-281.28M
est: 251.52M (-211.8%)
318.49M
est: -291.84M (+209.1%)
558.21M
est: 326.45M (+71.0%)
627.27M
est: 597.40M (+5.0%)
324.94M
est: 602.99M (-46.1%)
157.74M
est: 606.02M (-74.0%)
418.35M
est: 623.01M (-32.9%)
1.49B
est: 1.72B (-13.3%)
1.34B
est: 1.78B (-24.7%)
1.93B
est: 1.89B (+2.1%)
1.97B
1.95B – 2.00B
+4.1% YoY
2.08B
2.02B – 2.13B
+5.6% YoY
2.18B
2.18B – 2.19B
+5.1% YoY
2.29B
2.24B – 2.34B
+4.7% YoY
Net Income
344.46M
est: 242.70M (+41.9%)
-848.62M
est: 287.20M (-395.5%)
-1.22B
est: -709.66M (-71.8%)
-740.45M
est: -988.67M (+25.1%)
-226.62M
est: 287.31M (-178.9%)
235.34M
est: -260.23M (+190.4%)
23.94M
est: 191.99M (-87.5%)
186.39M
est: 24.84M (+650.5%)
301.07M
est: 191.05M (+57.6%)
302.00M
est: 322.20M (-6.3%)
183.01M
est: 290.31M (-37.0%)
138.08M
est: 291.77M (-52.7%)
197.39M
est: 299.95M (-34.2%)
856.05M
est: 885.05M (-3.3%)
906.38M
est: 942.67M (-3.8%)
1.26B
est: 1.05B (+20.4%)
1.17B
1.16B – 1.26B
+11.6% YoY
1.45B
1.33B – 1.57B
+24.0% YoY
1.62B
1.42B – 1.82B
+11.6% YoY
1.73B
1.69B – 1.78B
+6.7% YoY
SGA
450.82M
est: 2.37B (-81.0%)
436.11M
est: 2.41B (-81.9%)
373.34M
est: 195.50M (+91.0%)
337.09M
est: 164.05M (+105.5%)
333.73M
est: 204.22M (+63.4%)
286.36M
est: 231.22M (+23.8%)
274.03M
est: 1.88B (-85.5%)
277.75M
est: 196.79M (+41.1%)
303.23M
est: 201.52M (+50.5%)
353.29M
est: 2.16B (-83.6%)
303.60M
est: 2.03B (-85.1%)
302.79M
est: 2.04B (-85.2%)
321.72M
est: 2.10B (-84.7%)
366.48M
est: 304.21M (+20.5%)
410.33M
est: 2.17B (-81.1%)
671.76M
est: 335.29M (+100.4%)
349.08M
344.92M – 354.90M
+4.1% YoY
368.55M
359.05M – 378.21M
+5.6% YoY
387.34M
386.77M – 387.90M
+5.1% YoY
405.36M
397.65M – 414.10M
+4.7% YoY
EPS
0.23
est: 0.24 (-3.6%)
-0.75
est: 0.08 (-989.9%)
-0.75
est: -0.47 (-59.7%)
-0.28
est: -0.24 (-16.0%)
-0.07
est: 0.00 (-6,465.4%)
3.00
est: 0.05 (+5,849.7%)
0.00
est: -0.06 (+105.4%)
0.01
est: 0.01 (+29.3%)
0.02
est: 0.02 (-5.1%)
0.02
est: 0.02 (-24.9%)
0.01
est: 0.01 (-10.6%)
0.01
est: 0.01 (-52.6%)
0.01
est: 0.02 (-37.0%)
0.05
est: 0.06 (-7.4%)
0.06
est: 0.06 (-5.4%)
0.08
est: 0.07 (+24.3%)
0.08
0.07 – 0.08
+14.8% YoY
0.09
0.09 – 0.10
+17.6% YoY
0.10
0.09 – 0.12
+11.0% YoY
0.11
0.11 – 0.12
+9.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-08 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-07 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-06 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-05 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-04 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-30 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-29 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-28 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-27 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-24 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-23 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-22 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-21 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-20 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-17 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-16 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.26B
OE per share TTM
0.16
Owner's Yield
16.46%
Maintenance CapEx ratio
33.03%
Maint CapEx / Avg PPE
14.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 246 ETFs in our universe

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
123.2K
Shares Outstanding
14.81B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Miguel Maya Dias Pinheiro 3rd Executive Vice Chairman, Chief Executive Officer & Member of Board for Strategic Board 2M male
Miguel de Campos Pereira de Braganca Chief Financial Officer & Executive Director 1M male
João Nuno de Oliveira Jorge Palma Executive Director 1M
Maria Jose-Henriques-Barreto De Matos De Campos Executive Director 1M female
Rui Manuel da Silva Teixeira Executive Director 1M male
José Miguel Bensliman Schorcht Da Silva Pessanha Executive Director 1M male
José Jacinto Iglésias Soares Chief Operating Officer 269.6K male
Bernardo Roquette de Aragão de Portugal Collaço Market Relations Representative & Head of the IR Division male
Mário António Pinho Gaspar Neves Group Head of Compliance male
Ana Cristina Carmo Head of Client Coverage Portugal - North female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits