-2.35%
6.75%
6.56%
37.93%
90.76%
192.18%
157.17%
AI Spotlight on BCP
Company Description
Banco Comercial Português, S.A., together with its subsidiaries, provides various banking and financial products and services under the Millennium bcp brand.It operates through Retail Banking; Companies, Corporate & Investment Banking; Private Banking; Foreign Business; and Other segments.The company 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, and others.
It also provides venture capital, real-estate management, e-commerce, brokerage, real estate investment fund, consulting, investment fund management, trade finance, and trust, as well as internet, telephone, and mobile banking services.As of December 31, 2021, the company operated through 1,288 branches, including 434 branches in Portugal and 854 branches internationally.Banco Comercial Português, S.A. was incorporated in 1985 and is based in Porto, Portugal.
Market Data
| Last Price | 0.49 |
| Change Percentage | -2.35% |
| Open | 0.49 |
| Previous Close | 0.51 |
| Market Cap ( Millions) | 7459 |
| Volume | 58152422 |
| Year High | 0.52 |
| Year Low | 0.25 |
| M A 50 | 0.47 |
| M A 200 | 0.41 |
Financial Ratios
| FCF Yield | 88.36% |
| Dividend Yield | 3.44% |
| ROE | 14.57% |
| Debt / Equity | 92.68% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 1.14 |
| Price Earnings Ratio | 8.11 |
| Price To FCF | 1.13 |
| Price To sales | 1.46 |
| EV / EBITDA | 0 |
News
- Nov -01 - Banco Comercial Portugues SA (BPCGY) (Q3 2024) Earnings Call Highlights: Strong Income Growth ...
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Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Commercial Banking
Expected Growth : 6.47 %
What the company do ?
Commercial Banking from Banco Comercial Português, S.A. provides financial services to corporate clients, including cash management, trade finance, and lending solutions.
Why we expect these perspectives ?
Strong loan growth driven by a robust Portuguese economy, increasing demand for credit from SMEs and corporates, and market share gains. Additionally, the bank's digital transformation efforts and cost-cutting initiatives have improved operational efficiency, contributing to the 6.47% growth in commercial banking.
Segment n°2 -> Companies and Corporate in Portugal
Expected Growth : 5.83 %
What the company do ?
Companies and Corporate in Portugal from Banco Comercial Português, S.A. refers to the corporate banking services provided to large corporations and businesses in Portugal.
Why we expect these perspectives ?
Banco Comercial Português, S.A. in Portugal, with a growth rate of 5.83%, is driven by a strong economy, increasing consumer confidence, and a growing demand for digital banking services. Additionally, the bank's strategic expansion into new markets, cost-cutting initiatives, and investments in technology have contributed to its growth.
Segment n°3 -> Other
Expected Growth : 8.37 %
What the company do ?
Other from Banco Comercial Português, S.A. refers to the residual interest or minority stake held by the bank in other companies or entities.
Why we expect these perspectives ?
Strong diversification strategy, expansion into high-growth markets, and increased focus on digital banking have driven Other segment growth for Banco Comercial Português, S.A. Additionally, strategic partnerships, cost optimization, and improved operational efficiency have contributed to the 8.37% growth.
Segment n°4 -> Private Banking
Expected Growth : 6.47 %
What the company do ?
Private Banking from Banco Comercial Português, S.A. offers personalized financial services to high net worth individuals, providing tailored investment solutions and wealth management.
Why we expect these perspectives ?
The 6.47% growth in Private Banking from Banco Comercial Português, S.A. is driven by increasing high net worth individuals, robust wealth management services, strategic partnerships, and a strong brand reputation. Additionally, the bank's digital transformation and tailored investment solutions have attracted new clients, contributing to the segment's growth.
Banco Comercial Português, S.A. Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | Banco Comercial Português, S.A. offers a range of personal banking services, including current and savings accounts, credit cards, personal loans, and mortgages. |
| Corporate Banking | The bank provides corporate banking services, including cash management, trade finance, and lending solutions, to large corporations and SMEs. |
| Investment Banking | Banco Comercial Português, S.A. offers investment banking services, including M&A advisory, equity and debt capital markets, and leveraged finance. |
| Private Banking | The bank provides private banking services, including wealth management, investment advice, and portfolio management, to high net worth individuals. |
| Digital Banking | Banco Comercial Português, S.A. offers digital banking services, including online banking, mobile banking, and digital payments. |
| Insurance | The bank offers insurance products, including life insurance, non-life insurance, and pension plans. |
| Asset Management | Banco Comercial Português, S.A. provides asset management services, including investment funds, pension funds, and discretionary portfolio management. |
Banco Comercial Português, S.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Banco Comercial Português, S.A. is medium due to the presence of alternative banking services and financial institutions in Portugal.
Bargaining Power Of Customers
The bargaining power of customers for Banco Comercial Português, S.A. is low due to the lack of negotiating power of individual customers and the presence of switching costs.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Banco Comercial Português, S.A. is medium due to the presence of multiple suppliers of technology and services, but the bank's dependence on these suppliers.
Threat Of New Entrants
The threat of new entrants for Banco Comercial Português, S.A. is low due to the high barriers to entry in the banking industry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry for Banco Comercial Português, S.A. is high due to the presence of multiple competitors in the Portuguese banking industry, including Caixa Geral de Depósitos and Banco Santander Totta.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 45.45% |
| Debt Cost | 12.08% |
| Equity Weight | 54.55% |
| Equity Cost | 12.08% |
| WACC | 12.08% |
| Leverage | 83.30% |
Banco Comercial Português, S.A. : Quality Control
Banco Comercial Português, S.A. passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CMBN.SW | Cembra Money Bank AG provides consumer finance products and services in Switzerland. The company offers savings products, including medium-term notes and deposit accounts; loans comprising cash, consumer, personal, business, and … |
| BAP | Credicorp Ltd., a financial service holding company, provides various financial, insurance, and health services and products primarily in Peru and internationally. The company's Universal Banking segment offers deposits and current … |
| BIRG.IR | Bank of Ireland Group plc provides various banking and financial products and services. The company operates through Retail Ireland, Wealth and Insurance, Retail UK, and Corporate and Treasury segments. It … |
| RILBA.CO | Ringkjøbing Landbobank A/S provides various banking products and services in Denmark. It offers various deposit products; loans and guarantees; mortgage credit commission; securities trading; asset management; custody accounts; foreign exchange; … |
| LUKN.SW | Luzerner Kantonalbank AG provides various banking products and services to individuals, companies, institutions, families, and non-profit organizations in Switzerland. It offers accounts and deposit products; savings and pension solutions; investment … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Cembra Money Bank
A-Score
1-Year Total Return ->
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BCP
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1-Year Total Return ->
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Credicorp
A-Score
1-Year Total Return ->
4
Ringkjøbing Landbobank
A-Score
1-Year Total Return ->
5
Bank of Ireland
A-Score
1-Year Total Return ->
6
