Narrative Update • Jul 10
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Portuguese (PSI) Financials Sector Analysis
UpdatedJul 12, 2026
DataAggregated Company Financials
Companies3
- 7D-3.4%
- 3M16.8%
- 1Y57.3%
- YTD14.7%
Over the last 7 days, the Financials industry has dropped 3.4%, driven by Banco Comercial Português declining 3.4%. Meanwhile, Raize - Instituição de Pagamentos actually outperformed within the industry, gaining 13% in the last week. This takes the industry's 12 month performance to a gain of 57%. Looking forward, earnings are forecast to grow by 11% annually.
Sector Valuation and Performance
Has the Portuguese Financials Sector valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Sun, 12 Jul 2026 | €15.4b | €3.7b | €1.0b | 19x | 14.6x | 4.2x |
| Tue, 09 Jun 2026 | €13.7b | €3.7b | €1.0b | 18.5x | 13x | 3.7x |
| Thu, 07 May 2026 | €13.6b | €3.6b | €986.7m | 33.8x | 13.8x | 3.8x |
| Sat, 04 Apr 2026 | €12.8b | €3.6b | €986.7m | 21x | 13x | 3.6x |
| Mon, 02 Mar 2026 | €13.2b | €3.6b | €1.0b | 22.7x | 13x | 3.7x |
| Wed, 28 Jan 2026 | €13.6b | €3.5b | €936.2m | 23.4x | 14.6x | 3.9x |
| Fri, 26 Dec 2025 | €13.2b | €3.5b | €936.2m | 23.2x | 14.1x | 3.8x |
| Sun, 23 Nov 2025 | €11.7b | €3.5b | €935.1m | 22.4x | 12.5x | 3.3x |
| Tue, 21 Oct 2025 | €11.4b | €3.5b | €891.1m | 22.5x | 12.7x | 3.2x |
| Thu, 18 Sep 2025 | €10.6b | €3.5b | €891.1m | 22.1x | 11.9x | 3x |
| Sat, 16 Aug 2025 | €11.5b | €3.5b | €891.1m | 22.7x | 13x | 3.3x |
| Mon, 14 Jul 2025 | €10.0b | €3.4b | €883.2m | 21.3x | 11.3x | 2.9x |
| Wed, 11 Jun 2025 | €10.1b | €3.4b | €882.4m | 16.5x | 11.5x | 3x |
| Fri, 09 May 2025 | €9.0b | €3.4b | €873.2m | 16.4x | 10.3x | 2.7x |
| Sun, 06 Apr 2025 | €7.4b | €3.4b | €873.2m | 15.5x | 8.5x | 2.2x |
| Tue, 04 Mar 2025 | €8.1b | €3.3b | €906.9m | 22x | 9x | 2.5x |
| Thu, 30 Jan 2025 | €7.6b | €3.4b | €888.1m | 22.1x | 8.5x | 2.2x |
| Sat, 28 Dec 2024 | €7.0b | €3.4b | €888.1m | 22.1x | 7.9x | 2x |
| Mon, 25 Nov 2024 | €6.7b | €3.4b | €885.8m | 22.1x | 7.6x | 2x |
| Wed, 23 Oct 2024 | €6.6b | €3.4b | €885.9m | 14.7x | 7.4x | 1.9x |
| Fri, 20 Sep 2024 | €6.3b | €3.4b | €885.9m | 13.8x | 7.1x | 1.8x |
| Sun, 18 Aug 2024 | €6.0b | €3.4b | €885.9m | 14.4x | 6.8x | 1.8x |
| Tue, 16 Jul 2024 | €5.8b | €3.4b | €840.9m | 14.7x | 6.9x | 1.7x |
| Thu, 13 Jun 2024 | €5.3b | €3.4b | €840.6m | 38.1x | 6.3x | 1.6x |
| Sat, 11 May 2024 | €5.2b | €3.5b | €822.4m | 38.1x | 6.3x | 1.5x |
| Mon, 08 Apr 2024 | €4.7b | €3.5b | €858.9m | 81.9x | 5.5x | 1.4x |
| Wed, 06 Mar 2024 | €4.0b | €3.5b | €858.9m | 85x | 4.7x | 1.2x |
| Fri, 02 Feb 2024 | €4.0b | €3.4b | €736.6m | 5.5x | 5.5x | 1.2x |
| Sun, 31 Dec 2023 | €4.3b | €3.4b | €735.4m | 5.7x | 5.8x | 1.3x |
| Tue, 28 Nov 2023 | €4.7b | €3.4b | €735.4m | 6.2x | 6.4x | 1.4x |
| Thu, 26 Oct 2023 | €4.2b | €3.1b | €527.5m | 80.7x | 8x | 1.3x |
| Sat, 23 Sep 2023 | €4.0b | €3.1b | €528.1m | 29.7x | 7.6x | 1.3x |
| Mon, 21 Aug 2023 | €3.8b | €3.1b | €528.1m | 29.1x | 7.1x | 1.2x |
| Wed, 19 Jul 2023 | €3.7b | €2.9b | €269.1m | 21.8x | 13.9x | 1.3x |
Price to Earnings Ratio
13.9x
Current Industry PE
- There are only 3 companies in the Portuguese Financials industry, so there is insufficient data to make an industry-wide assessment of both the PE and PS ratio.
Past Earnings Growth
- The earnings for companies in the Financials industry have grown 57% per year over the last three years.
- Revenues for these companies have grown 9.0% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Trends
Which industries have driven the changes within the Portuguese Financials sector?
| PT Market | -2.31% | |
| Financials | -3.39% | |
| Consumer Finance | 13.04% | |
| Diversified Financial | 0% | 0 |
| Capital Markets | 0% | 0 |
| Banks | -3.40% | |
Industry PE
- Investors are most optimistic about the Consumer Finance industry which is trading above its 3-year average PE ratio of 31.2x.
- It looks like they are confident that earnings will grow faster in the future than they have historically.
- Investors are most pessimistic about the Banks industry, although it looks like investor sentiment has improved given that it's trading above its 3-year average of 9.5x.
Forecasted Growth
- Analysts are most optimistic on the Banks industry, expecting annual earnings growth of 11% over the next 5 years.
- However this is lower than its past earnings growth rate of 18% per year.
- In contrast, the Banks industry is expected to see its earnings grow by 11% per year over the next few years.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| MLRZE Raize - Instituição de Pagamentos | €1.56 | 13.0% +€900.0k | 116.7% | PE347.7x |