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Banco BPI

LSE:0DPG
Snowflake Description

Proven track record with adequate balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
0DPG
LSE
€2B
Market Cap
  1. Home
  2. GB
  3. Banks
Company description

Banco BPI, S.A., together with its subsidiaries, provides banking products and services in Portugal. The last earnings update was 19 days ago. More info.


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0DPG Share Price and Events
7 Day Returns
-0.1%
LSE:0DPG
0.2%
GB Banks
-1.2%
GB Market
1 Year Returns
21.4%
LSE:0DPG
-19.7%
GB Banks
-10.7%
GB Market
0DPG Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Banco BPI (0DPG) -0.1% -1.1% -1.2% 21.4% 25.4% 23.8%
GB Banks 0.2% -3.4% -8.6% -19.7% -5.1% -26.5%
GB Market -1.2% -4.4% -8.9% -10.7% 4.8% -8.5%
1 Year Return vs Industry and Market
  • 0DPG outperformed the Banks industry which returned -19.7% over the past year.
  • 0DPG outperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned -10.7% over the past year.
Price Volatility
0DPG
Industry
5yr Volatility vs Market

Value

 Is Banco BPI undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Banco BPI. This is due to cash flow or dividend data being unavailable. The share price is €1.464.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Banco BPI's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Banco BPI's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:0DPG PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-09-30) in EUR €0.16
DB:BPI Share Price ** DB (2018-12-18) in EUR €1.45
United Kingdom of Great Britain and Northern Ireland Banks Industry PE Ratio Median Figure of 15 Publicly-Listed Banks Companies 9.08x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 814 Publicly-Listed Companies 14.57x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Banco BPI.

LSE:0DPG PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= DB:BPI Share Price ÷ EPS (both in EUR)

= 1.45 ÷ 0.16

9.07x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Banco BPI is good value based on earnings compared to the GB Banks industry average.
  • Banco BPI is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Banco BPI's expected growth come at a high price?
Raw Data
LSE:0DPG PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 9.07x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
19.3%per year
United Kingdom of Great Britain and Northern Ireland Banks Industry PEG Ratio Median Figure of 14 Publicly-Listed Banks Companies 0.53x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 580 Publicly-Listed Companies 1.19x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Banco BPI, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Banco BPI's assets?
Raw Data
LSE:0DPG PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-09-30) in EUR €2.21
DB:BPI Share Price * DB (2018-12-18) in EUR €1.45
United Kingdom of Great Britain and Northern Ireland Banks Industry PB Ratio Median Figure of 16 Publicly-Listed Banks Companies 0.84x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,357 Publicly-Listed Companies 1.43x
LSE:0DPG PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= DB:BPI Share Price ÷ Book Value per Share (both in EUR)

= 1.45 ÷ 2.21

0.66x

* Primary Listing of Banco BPI.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Banco BPI is good value based on assets compared to the GB Banks industry average.
X
Value checks
We assess Banco BPI's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Banco BPI has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Banco BPI expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Banco BPI, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
19.3%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Banco BPI expected to grow at an attractive rate?
  • Banco BPI's earnings growth is expected to exceed the low risk savings rate of 1.4%.
Growth vs Market Checks
  • Banco BPI's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
  • Unable to compare Banco BPI's revenue growth to the United Kingdom of Great Britain and Northern Ireland market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
LSE:0DPG Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:0DPG Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 19.3%
United Kingdom of Great Britain and Northern Ireland Banks Industry Earnings Growth Rate Market Cap Weighted Average 15.6%
United Kingdom of Great Britain and Northern Ireland Banks Industry Revenue Growth Rate Market Cap Weighted Average 4.5%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11.8%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 3.9%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:0DPG Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:0DPG Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
LSE:0DPG Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-09-30 683 -929 233
2018-06-30 668 -1,807 187
2018-03-31 641 -652 110
2017-12-31 513 -703 -12
2017-09-30 470 255 66
2017-06-30 587 -19 18
2017-03-31 577 609 14
2016-12-31 703 844 144
2016-09-30 376 926 44
2016-06-30 353 1,708 42
2016-03-31 473 1,712 70
2015-12-31 586 2,564 94

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Banco BPI's earnings are expected to grow by 19.3% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if Banco BPI is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:0DPG Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Banco BPI Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0DPG Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
LSE:0DPG Past Financials Data
Date (Data in EUR Millions) EPS *
2018-09-30 0.16
2018-06-30 0.13
2018-03-31 0.08
2017-12-31 -0.01
2017-09-30 0.05
2017-06-30 0.01
2017-03-31 0.01
2016-12-31 0.10
2016-09-30 0.03
2016-06-30 0.03
2016-03-31 0.05
2015-12-31 0.07

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Banco BPI will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Banco BPI's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Banco BPI has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Banco BPI performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Banco BPI's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Banco BPI has delivered over 20% year on year earnings growth in the past 5 years.
  • Banco BPI's 1-year earnings growth exceeds its 5-year average (253.7% vs 33.4%)
  • Banco BPI's earnings growth has exceeded the GB Banks industry average in the past year (253.7% vs 43.1%).
Earnings and Revenue History
Banco BPI's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Banco BPI Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0DPG Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-09-30 682.72 232.54 434.70
2018-06-30 668.31 187.47 428.32
2018-03-31 641.02 109.59 435.76
2017-12-31 512.60 -12.49 438.27
2017-09-30 470.46 65.75 395.74
2017-06-30 586.79 18.46 447.58
2017-03-31 576.80 14.40 421.29
2016-12-31 703.13 144.31 425.97
2016-09-30 375.69 44.49 366.88
2016-06-30 352.67 42.30 358.79
2016-03-31 473.24 69.63 439.70
2015-12-31 585.79 94.35 480.78
2015-09-30 1,028.01 102.58 634.33
2015-06-30 974.62 20.95 634.47
2015-03-31 900.39 -27.65 625.77
2014-12-31 696.01 -164.56 616.31
2014-09-30 635.47 -121.99 607.86
2014-06-30 813.52 -101.37 4.54
2014-03-31 784.97 -78.27 -1.59
2013-12-31 808.19 67.02 604.41
2013-09-30 974.61 204.91 615.62
2013-06-30 995.47 222.96 614.20
2013-03-31 1,116.09 250.35 621.44
2012-12-31 1,282.60 249.14
2012-09-30 864.38 -269.97 615.77
2012-06-30 839.59 -279.21 619.79
2012-03-31 865.13 -290.83 614.28
2011-12-31 871.97 -284.87 617.05

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Banco BPI has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Banco BPI used its assets more efficiently than the GB Banks industry average last year based on Return on Assets.
  • Unable to establish if Banco BPI improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Banco BPI's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Banco BPI has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Banco BPI's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Banco BPI's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Banco BPI Company Filings, last reported 2 months ago.

LSE:0DPG Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-09-30 3,217.92 2,189.73 755.87
2018-06-30 3,125.71 2,704.71 1,139.54
2018-03-31 2,932.72 1,217.68 793.21
2017-12-31 2,823.59 1,421.69 917.82
2017-09-30 2,720.91 1,709.97 1,078.37
2017-06-30 2,562.32 1,731.38 1,175.01
2017-03-31 2,534.73 1,863.17 1,514.51
2016-12-31 2,908.53 1,590.32 1,156.97
2016-09-30 2,812.00 1,744.88 4,713.15
2016-06-30 2,680.15 1,989.36 4,718.88
2016-03-31 2,721.48 2,450.48 4,293.80
2015-12-31 2,835.50 2,427.79 4,637.30
2015-09-30 2,649.81 2,927.08 4,315.21
2015-06-30 2,621.02 3,102.62 4,157.15
2015-03-31 2,791.28 3,687.50 4,671.93
2014-12-31 2,529.16 4,309.21 3,647.37
2014-09-30 2,622.73 4,841.94 3,635.49
2014-06-30 2,540.61 5,240.36 3,329.33
2014-03-31 2,556.61 5,618.27 3,060.09
2013-12-31 2,287.23 6,952.26 3,014.64
2013-09-30 2,226.85 7,764.92 2,868.16
2013-06-30 2,190.30 8,460.18 2,266.82
2013-03-31 2,165.26 8,900.00 2,353.22
2012-12-31 2,060.64 10,519.64 2,721.46
2012-09-30 1,836.11 10,032.19 2,531.27
2012-06-30 1,307.42 11,009.56 2,351.36
2012-03-31 1,177.12 10,932.73 2,412.28
2011-12-31 822.39 11,430.40 2,486.58
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Banco BPI has an acceptable proportion of non-loan assets held.
  • Banco BPI's liabilities are made up of primarily low risk sources of funding.
  • Loans at Banco BPI are broadly funded by customer deposits.
  • Banco BPI's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Banco BPI has a low allowance for bad loans.
  • Banco BPI has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess Banco BPI's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Banco BPI has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Banco BPI's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Banco BPI dividends.
If you bought €2,000 of Banco BPI shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Banco BPI's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Banco BPI's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:0DPG Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Banks Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 4.9%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 710 Stocks 4.5%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1.1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2.1%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.5%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:0DPG Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Banco BPI has not reported any payouts.
  • Unable to verify if Banco BPI's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Banco BPI's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Banco BPI has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Banco BPI's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Banco BPI afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Banco BPI has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Banco BPI's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Pablo Calderón
COMPENSATION €404,432
AGE 62
CEO Bio

Mr. Pablo Forero Calderón serves as Chief Executive Officer of BPI at CaixaBank, S.A. He served as Managing Director of BPI Project and General Manager at CaixaBank, S.A. Mr. Calderón serves as the Chairman of the Executive Committee at Banco BPI, S.A. He served as Chief Risk Officer at CaixaBank, S.A. since 2013, General Manager, Treasury and capital markets from 2011 to 2013 and Asset Management Manager from 2009 to June 2011. He served as General Manager of Risks, Deputy General Manager of Capital Market and Treasury and General Director of Risks at CaixaBank, S.A. In 2009, he joined in “CaixaBank, S.A. From 1981 to 1984, he worked on Arthur Andersen & Co., where he served as Chief in Audit Department. From 1984 to 1990, he served as Market Manager and ALCO and responsible for relations with Spain and the Directorate General of the Treasury on Manufacturers Hanover Trust Co. From 1998 to 2009, he served as Member of the Asset Management Committee and of the Global Investments Committee at JP Morgan Asset Management, London. From 1990 to 1997, he served as Asset Management Manager at JP Morgan Asset Management, Madrid. From 1990 to 2009, he served in JP Morgan Investment Management as MGSA Chief Executive Officer and responsible Global Head of Equity & Balanced Accounts. He serves as Deputy Chairman of Banco BPI, S.A. and has been its Director since November 23, 2016. He served as a Director of Bolsas y Mercados Españoles, Sociedad Holding de Mercados y Sistemas Financieros, S.A. since April 30, 2013 until January 21, 2014. He graduated in Economics, specializing in Macroeconomics, from Universidad Autónoma de Madrid.

CEO Compensation
  • Insufficient data for Pablo to compare compensation growth.
  • Pablo's remuneration is lower than average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team

Pablo Calderón

TITLE
Chairman of the Executive Committee & Deputy Chairman
COMPENSATION
€404K
AGE
62

Alexandre Lucena Vale

TITLE
Head of Legal
COMPENSATION
€246K
AGE
54

José Alberto Pena do Amaral

TITLE
Executive Director
COMPENSATION
€532K
AGE
63

Pedro Bissaia Barreto

TITLE
Executive Director
COMPENSATION
€12K
AGE
52

Ignacio Alvarez-Rendueles

TITLE
Executive Director
COMPENSATION
€388K
AGE
53

Francisco Barbeira

TITLE
Executive Director
COMPENSATION
€231K
AGE
45

João Oliveira e Costa

TITLE
Executive Director
COMPENSATION
€489K
AGE
53

Maria Rocha

TITLE
Head of Operations

Luís Araújo

TITLE
Head of the Investor Relations Division

António de Morais

TITLE
Executive Director
COMPENSATION
€87K
AGE
67
Board of Directors Tenure

Average tenure and age of the Banco BPI board of directors in years:

1.8
Average Tenure
59
Average Age
  • The average tenure for the Banco BPI board of directors is less than 3 years, this suggests a new board.
Board of Directors

Fernando da Costa Duarte Ulrich

TITLE
President of the Board
COMPENSATION
€750K
AGE
66
TENURE
1.9 yrs

Pablo Calderón

TITLE
Chairman of the Executive Committee & Deputy Chairman
COMPENSATION
€404K
AGE
62

António Bernardo Aranha Lobo Xavier

TITLE
Vice President of the Board
COMPENSATION
€72K
AGE
59
TENURE
1.7 yrs

Artur Eduardo dos Santos Silva

TITLE
Honorary Chairman
COMPENSATION
€152K
AGE
77
TENURE
1.4 yrs

Alexandre Lucena Vale

TITLE
Head of Legal
COMPENSATION
€246K
AGE
54
TENURE
1.7 yrs

José Alberto Pena do Amaral

TITLE
Executive Director
COMPENSATION
€532K
AGE
63
TENURE
19.7 yrs

Pedro Bissaia Barreto

TITLE
Executive Director
COMPENSATION
€12K
AGE
52
TENURE
14.8 yrs

Ignacio Alvarez-Rendueles

TITLE
Executive Director
COMPENSATION
€388K
AGE
53
TENURE
9.7 yrs

Francisco Barbeira

TITLE
Executive Director
COMPENSATION
€231K
AGE
45
TENURE
1.7 yrs

João Oliveira e Costa

TITLE
Executive Director
COMPENSATION
€489K
AGE
53
TENURE
4.7 yrs

António de Morais

TITLE
Executive Director
COMPENSATION
€87K
AGE
67
TENURE
1.4 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Banco BPI's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Banco BPI has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

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Company Info

Map
Description

Banco BPI, S.A., together with its subsidiaries, provides banking products and services in Portugal. The company operates through Domestic Operations and International Operations segments. It offers banking products and services, such as deposits, unit trust funds, and retirement savings plans; and loans, corporate loans, mortgage loans, and personal loans, as well as debit and credit cards. The company also provides project finance services comprising financial advisory services, as well as organization, structuring, and participation in the financing of projects; capitalization insurance, life insurance, and non-life insurance services; and corporate and investment banking services, as well as ATM and services point of sale services. It serves 1.7 million individual customers; and 186,000 small businesses customers. As of December 31st, 2017, the company had a network of 505 business units, such as 431 retail branches; 39 investment centers, specialist branches, and units serving corporate and institutional clients; 31 corporate and institutional centers; 1 project finance center; and 3 corporate and investment banking centers. It also has 1,342 ATMs and 30,962 POS terminals. Banco BPI, S.A. was founded in 1981 and is headquartered in Porto, Portugal.

Details
Name: Banco BPI, S.A.
0DPG
Exchange: LSE
Founded: 1981
€2,132,716,171
1,456,773,341
Website: http://www.bancobpi.pt
Address: Banco BPI, S.A.
Rua Tenente Valadim, n.º 284,
Porto,
Norte, 4100-476,
Portugal
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
DB BPI Common Shares Deutsche Boerse AG DE EUR 14. Apr 1988
LSE 0DPG Common Shares London Stock Exchange GB EUR 14. Apr 1988
BATS-CHIXE BPIU Common Shares BATS 'Chi-X Europe' GB EUR 14. Apr 1988
Number of employees
Current staff
Staff numbers
4,898
Banco BPI employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2018/12/19 21:34
End of day share price update: 2018/12/18 00:00
Last estimates confirmation: 2018/01/30
Last earnings filing: 2018/11/30
Last earnings reported: 2018/09/30
Last annual earnings reported: 2017/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.