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Banco BPI

ENXTLS:BPI
Snowflake Description

Adequate balance sheet with proven track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BPI
ENXTLS
€2B
Market Cap
  1. Home
  2. PT
  3. Banks
Company description

Banco BPI, S.A., together with its subsidiaries, provides banking products and services in Portugal. The last earnings update was 18 days ago. More info.


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BPI Share Price and Events
7 Day Returns
0.3%
ENXTLS:BPI
0.6%
Europe Banks
-1.3%
PT Market
1 Year Returns
23.8%
ENXTLS:BPI
-22.7%
Europe Banks
-11.3%
PT Market
BPI Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Banco BPI (BPI) 0.3% -1.1% -1.1% 23.8% 26.3% 16.8%
Europe Banks 0.6% -4.7% -11.3% -22.7% -17.9% -24.9%
PT Market -1.3% -3.9% -12.3% -11.3% -47.9% 5.4%
1 Year Return vs Industry and Market
  • BPI outperformed the Banks industry which returned -22.7% over the past year.
  • BPI outperformed the Market in Portugal which returned -11.3% over the past year.
Price Volatility
BPI
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
ENXTLS:BPI PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-09-30) in EUR €0.16
ENXTLS:BPI Share Price ** ENXTLS (2018-12-14) in EUR €1.46
Europe Banks Industry PE Ratio Median Figure of 160 Publicly-Listed Banks Companies 9.13x
Portugal Market PE Ratio Median Figure of 30 Publicly-Listed Companies 10.88x

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

** Primary Listing of Banco BPI.

ENXTLS:BPI PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

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

= 1.46 ÷ 0.16

9.17x

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

  • Banco BPI is overvalued based on earnings compared to the Europe Banks industry average.
  • Banco BPI is good value based on earnings compared to the Portugal market.
Price based on expected Growth
Does Banco BPI's expected growth come at a high price?
Raw Data
ENXTLS:BPI PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 9.17x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
Europe Banks Industry PEG Ratio Median Figure of 109 Publicly-Listed Banks Companies 0.85x
Portugal Market PEG Ratio Median Figure of 18 Publicly-Listed Companies 1.55x

*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
ENXTLS:BPI PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-09-30) in EUR €2.21
ENXTLS:BPI Share Price * ENXTLS (2018-12-14) in EUR €1.46
Europe Banks Industry PB Ratio Median Figure of 171 Publicly-Listed Banks Companies 0.68x
Portugal Market PB Ratio Median Figure of 41 Publicly-Listed Companies 1.07x
ENXTLS:BPI PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

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

= 1.46 ÷ 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 Europe 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 2/6, 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?

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
-25.5%
Expected annual growth in earnings per share.
Earnings growth vs Low Risk Savings
Is Banco BPI expected to grow at an attractive rate?
  • Banco BPI's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 1.5%.
Growth vs Market Checks
  • Banco BPI's earnings are expected to decrease over the next 1-3 years, this is below the Portugal market average.
  • Unable to compare Banco BPI's revenue growth to the Portugal market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
ENXTLS:BPI Future Growth Rates Data Sources
Data Point Source Value (per year)
ENXTLS:BPI Future Earnings per Share Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 0 Analysts -25.5%
Europe Banks Industry Earnings Growth Rate Market Cap Weighted Average 9.5%
Europe Banks Industry Revenue Growth Rate Market Cap Weighted Average 4%
Portugal Market Earnings Growth Rate Market Cap Weighted Average 10.1%
Portugal Market Revenue Growth Rate Market Cap Weighted Average 3.4%

*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
ENXTLS:BPI 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.
ENXTLS:BPI Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31
2019-12-31
2018-12-31
ENXTLS:BPI 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 decrease over the next 1-3 years, this is not considered high growth.
  • 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
ENXTLS:BPI 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.

ENXTLS:BPI Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 0.16 0.16 0.16 1.00
2019-12-31 0.15 0.15 0.15 1.00
2018-12-31 0.42 0.42 0.42 1.00
ENXTLS:BPI 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 Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe 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 0/6, 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 Europe Banks industry average in the past year (253.7% vs 10.7%).
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.

ENXTLS:BPI 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 Europe 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.

ENXTLS:BPI 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. Estimated to be 0.91% next year.
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
ENXTLS:BPI 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
Europe Banks Industry Average Dividend Yield Market Cap Weighted Average of 124 Stocks 5.4%
Portugal Market Average Dividend Yield Market Cap Weighted Average of 20 Stocks 5.1%
Portugal Minimum Threshold Dividend Yield 10th Percentile 1.4%
Portugal Bottom 25% Dividend Yield 25th Percentile 3.9%
Portugal Top 25% Dividend Yield 75th Percentile 7%

Industry and Market average data is calculated daily.

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

ENXTLS:BPI Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
2020-12-31 0.04 1.00
2019-12-31 0.00 1.00
2018-12-31 0.00 1.00
ENXTLS:BPI Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2011-11-30 0.000 0.000
2011-10-28 0.000 0.000
2011-09-01 0.000 0.000
2011-07-26 0.000 0.000
2011-05-31 0.000 0.000
2011-04-28 0.000 0.000
2011-01-27 0.000 0.000
2010-04-23 0.071 5.048
2009-04-23 0.061 3.243
2008-12-19 0.170 11.913

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
  • No need to calculate the sustainability of Banco BPI's dividends in 3 years as they are not expected to pay a notable one for Portugal.
X
Income/ dividend checks
We assess Banco BPI's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.4%) - 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.
  • Banco BPI has no CEO, or we have no data on them.
Management Team

Luís Araújo

TITLE
Head of the Investor Relations Division

Alexandre Lucena Vale

TITLE
Head of Legal
AGE
54

José Alberto Pena do Amaral

TITLE
Executive Director
COMPENSATION
€666K
AGE
63

Pedro Bissaia Barreto

TITLE
Executive Director
COMPENSATION
€650K
AGE
52

Ignacio Alvarez-Rendueles

TITLE
Executive Director
COMPENSATION
€86K
AGE
53

Manuel Meneses

TITLE
Head of Organisation & Quality and GM

João Oliveira e Costa

TITLE
Executive Director
COMPENSATION
€644K
AGE
53

João Moreira

TITLE
Company Secretary

Ana Oliveira

TITLE
Executive

Graca Moura

TITLE
Executive
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
€908K
AGE
66
TENURE
1.9 yrs

António Bernardo Aranha Lobo Xavier

TITLE
Vice President of the Board
COMPENSATION
€60K
AGE
59
TENURE
1.7 yrs

Artur Eduardo dos Santos Silva

TITLE
Honorary Chairman
COMPENSATION
€163K
AGE
77
TENURE
1.4 yrs

Alexandre Lucena Vale

TITLE
Head of Legal
AGE
54
TENURE
1.7 yrs

José Alberto Pena do Amaral

TITLE
Executive Director
COMPENSATION
€666K
AGE
63
TENURE
19.7 yrs

Pedro Bissaia Barreto

TITLE
Executive Director
COMPENSATION
€650K
AGE
52
TENURE
14.8 yrs

Ignacio Alvarez-Rendueles

TITLE
Executive Director
COMPENSATION
€86K
AGE
53
TENURE
9.7 yrs

João Oliveira e Costa

TITLE
Executive Director
COMPENSATION
€644K
AGE
53
TENURE
4.7 yrs

Pablo Calderón

TITLE
Chairman of the Executive Committee & Deputy Chairman
AGE
62

António de Morais

TITLE
Executive Director
COMPENSATION
€87K
AGE
67
TENURE
1.4 yrs

Francisco Barbeira

TITLE
Executive Director
AGE
45
TENURE
1.7 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

External News
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Simply Wall St News

Can These Factors Give You An Edge In Banco BPI SA (ELI:BPI)?

As a small-cap finance stock with a market capitalisation of €2.11b, the risk and profitability of Banco BPI SA (ELI:BPI) are largely tied to the underlying economic growth of the region it operates in PT. … These reforms target bank level regulation and aims to improve the banking sector’s ability to absorb shocks arising from economic stress which could expose financial institutions to vulnerabilities. … Today we will be measuring Banco BPI’s financial risk position by looking at three leverage and liquidity metrics.

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Should You Be Tempted To Sell Banco BPI SA (ELI:BPI) At Its Current PE Ratio?

I am writing today to help inform people who are new to the stock market. … and want to learn about the link between company’s fundamentals and stock market performance. … Although some investors may jump to the conclusion that you should avoid the stock or sell if you own it, understanding the assumptions behind the P/E ratio might change your mind.

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With An ROE Of 3.74%, Can Banco BPI SA (ELI:BPI) Catch Up To The Industry?

Though BPI's recent performance is underwhelming, it is useful to understand what ROE is made up of and how it should be interpreted. … Knowing these components can change your views on BPI's below-average returns. … Today I will look at how components such as financial leverage can influence ROE which may impact the sustainability of BPI's returns

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Have You Considered These Key Risks For Banco BPI SA (ELI:BPI)?

Its profit and value are directly impacted by its borrowers’ ability to pay which is driven by the level of economic growth. … This is because growth determines the stability of a borrower’s salary as well as the level of interest rates. … Since the level of risky assets held by the bank impacts the attractiveness of it as an investment, I will take you through three metrics that are insightful proxies for risk.

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Why Banco BPI SA. (ELI:BPI) Could Be A Buy

So, could the stock still be trading at a low price relative to its actual value? … Great news for investors – Banco BPI is still trading at a fairly cheap price. … Although value investors would argue that it’s the intrinsic value relative to the price that matter the most, a more compelling investment thesis would be high growth potential at a cheap price.

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Three Key Risks For Banco BPI SA. (ELI:BPI) You Should Know

Risk associated with repayment is measured by bad debt which is written off as an expense, impacting Banco BPI’s bottom line. … This illustrates poor bad debt management and exposes the bank to a high risk of default. … This may mean the bank is too cautious with its level of its safer form of borrowing and has plenty of headroom to take on risker forms of liability.Next Steps: Banco BPI has maintained a safe level of deposits against its liabilities.

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Will Banco BPI SA. (ELI:BPI) Continue To Underperform Its Industry?

Return on Equity = Net Profit ÷ Shareholders Equity ROE is measured against cost of equity in order to determine the efficiency of Banco BPI’s equity capital deployed. … This is called the Dupont Formula: Dupont Formula ROE = profit margin × asset turnover × financial leverage ROE = (annual net profit ÷ sales) × (sales ÷ assets) × (assets ÷ shareholders’ equity) ROE = annual net profit ÷ shareholders’ equity ENXTLS:BPI Last Perf Apr 11th 18 The first component is profit margin, which measures how much of sales is retained after the company pays for all its expenses. … Banco BPI’s ROE is underwhelming relative to the industry average, and its returns were also not strong enough to cover its own cost of equity.

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Is Banco BPI SA. (ELI:BPI) A Sell At Its Current PE Ratio?

Formula Price-Earnings Ratio = Price per share ÷ Earnings per share P/E Calculation for BPI Price per share = €1.14 Earnings per share = €0.045 ∴ Price-Earnings Ratio = €1.14 ÷ €0.045 = 25.2x The P/E ratio itself doesn’t tell you a lot; however, it becomes very insightful when you compare it with other similar companies. … BPI’s P/E of 25.2x is higher than its industry peers (15.3x), which implies that each dollar of BPI’s earnings is being overvalued by investors. … For example, if you are inadvertently comparing riskier firms with BPI, then BPI’s P/E would naturally be higher than its peers since investors would reward its lower risk with a higher price.

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Why These Fundamentals Make Banco BPI SA.’s (ELI:BPI) More Attractive

Today we will be measuring Banco BPI’s financial risk position by looking at three leverage and liquidity metrics. … See our latest analysis for Banco BPI ENXTLS:BPI Historical Debt Mar 26th 18 Is BPI's Leverage Level Appropriate? … This means the bank has a sensibly high level of equity compared to the level of debt it has taken on to maintain operations which places it in a strong position to pay back its debt in unforeseen circumstances.

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Was Banco BPI SA.'s (ELI:BPI) Earnings Decline Part Of A Broader Industry Downturn?

View our latest analysis for Banco BPI Did BPI perform worse than its track record and industry? … For Banco BPI, its latest earnings (trailing twelve month) is €10.00M, which, against the previous year's figure, has declined by a non-trivial -93.07%. … Over the last few years, revenue growth has been lagging behind earnings, which suggests that Banco BPI’s bottom line has been propelled by unmaintainable cost-reductions.

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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.
BPI
Exchange: ENXTLS
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
ENXTLS BPI Common Shares Euronext Lisbon PT EUR 14. Apr 1988
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: 2018/12/18 21:30
End of day share price update: 2018/12/14 00:00
Last estimates confirmation: 2018/11/06
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.