How does BPCG.Y's PE Ratio compare to its peers?

BPCG.Y is good value based on its Price-To-Earnings Ratio (8.2x) compared to the peer average (13.5x).

How does BPCG.Y's PE Ratio compare vs other companies in the US Banks Industry?

BPCG.Y is good value based on its Price-To-Earnings Ratio (8.2x) compared to the US Banks industry average (12.1x).

What is BPCG.Y's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate BPCG.Y's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of BPCG.Y when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

BPCG.Y ($5.08) is trading below our estimate of [[fair value]] ($9.05)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

BPCG.Y Stock Overview

Engages in the provision of various banking and financial products and services in Portugal and internationally. More details

BPCG.Y fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	1/6
Past Performance	3/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 43.9% below our estimate of its fair value

Earnings are forecast to grow 5.46% per year

Earnings grew by 23.7% over the past year

Risk Analysis

Shares are highly illiquid

Large one-off items impacting financial results

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Banco Comercial Português, S.A. Competitors

Comerica

NYSE:CMA

US$8.2b

Credicorp

NYSE:BAP

US$14.6b

Inter & Co

NasdaqGS:INTR

US$1.9b

Fifth Third Bancorp

NasdaqGS:FITB

US$28.4b

Price History & Performance

Summary of share price highs, lows and changes for Banco Comercial Português
Historical stock prices
Current Share Price	€5.08
52 Week High	€5.13
52 Week Low	€2.61
Beta	1.59
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-87.49%

Recent updates

Shareholder Returns

	BPCG.Y	US Banks	US Market
7D	0%	-1.8%	-2.1%
1Y	n/a	30.3%	21.3%

Return vs Industry: Insufficient data to determine how BPCG.Y performed against the US Banks industry.

Return vs Market: Insufficient data to determine how BPCG.Y performed against the US Market.

Price Volatility

Is BPCG.Y's price volatile compared to industry and market?
BPCG.Y volatility
BPCG.Y Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.8%
10% least volatile stocks in US Market	3.2%

Stable Share Price: BPCG.Y's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine BPCG.Y's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1985	15,716	Miguel Maya Pinheiro	ind.millenniumbcp.pt

Banco Comercial Português, S.A. engages in the provision of various banking and financial products and services in Portugal and internationally. It operates through Retail Banking; Companies and Corporate; Private Banking; Foreign Business; and Other segments. It offers a range of financial products and services, including current accounts, payment systems, savings and investment products, private banking, asset management, and investment banking services, such as mortgage loans, personal loans, commercial banking, leasing, factoring, and insurance.

Banco Comercial Português, S.A. Fundamentals Summary

How do Banco Comercial Português's earnings and revenue compare to its market cap?
BPCG.Y fundamental statistics
Market cap	US$7.47b
Earnings (TTM)	US$913.79m
Revenue (TTM)	US$3.55b

8.2x

P/E Ratio

1.0x

P/B Ratio

Is BPCG.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BPCG.Y income statement (TTM)
Revenue	€3.45b
Cost of Revenue	€19.55m
Gross Profit	€3.43b
Other Expenses	€2.54b
Earnings	€887.20m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 27, 2025

Earnings per share (EPS)	0.059
Gross Margin	99.43%
Net Profit Margin	25.75%
Debt/Equity Ratio	83.9%

How did BPCG.Y perform over the long term?

See historical performance and comparison

Dividends

3.5%

Current Dividend Yield

29%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/10 12:19
End of Day Share Price	2024/11/13 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Banco Comercial Português, S.A. is covered by 27 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
David Grinsztajn	AlphaValue
Carlos Peixoto	Banco BPI, S.A.
Bruno Silva	Banco BPI, S.A.