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    Banks - Regional
Banco Comercial Português, S.A.

Banco Comercial Português, S.A.

BCP.LS
Banco Comercial Português, S.A.undefined flagEuronext Lisbon
1.02
EUR
+0.01
- -
15.16BMarket Cap
Banco Comercial Português, S.A.
BCP.LS
(Euronext Lisbon)

Recent

price

1.02

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2.67
1.88
1.29
0.67
0.67
26.93
0.27
0.17
0.15
0.16
0.16
0.17
0.2
0.26
0.25
0.26
0.32
Revenue per Share
0.32
-0.75
-0.75
-0.28
-0.07
2.62
- -
0.01
0.02
0.02
0.01
0.01
0.01
0.06
0.06
0.07
0.09
Basic EPS, GAAP
-0.14
-0.09
-0.07
-0.03
-0.04
-1.01
-0.01
-0.01
-0.01
-0.01
-0.01
-0.01
-0.01
-0.01
-0.01
0.23
0.06
Free Cash Flow per Basic Share
0.08
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.02
0.03
- -
Dividend per Share
4.67
4.58
1.4
1.05
1.05
48.14
0.6
0.43
0.33
0.33
0.32
0.32
0.21
0.26
0.26
0.27
0.22
Book Value per Share
3.9
3.47
2.2
1.09
1.38
60.14
0.71
0.52
0.45
0.47
0.47
0.45
0.38
0.47
0.52
0.58
0.63
Tangible Book Value per Share
1,079
1,139
1,624
2,629
3,316
90
7,151
13,321
15,114
15,114
15,114
15,114
15,114
15,114
15,114
14,939
14,840
Basic Weighted Avg Shares
2,882
2,142
2,103
1,752
2,220
2,423
1,917
2,204
2,259
2,477
2,403
2,506
3,083
3,861
3,733
3,919
4,804
Sales/Revenue/Turnover
- -
- -
- -
-47.84
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
110
96
68
68
66
54
50
54
58
125
136
137
139
137
145
156
196
Depreciation Expense
344
-849
-1,219
-740
-227
235
24
186
301
302
183
138
197
856
906
1,019
1,324
Net Income, GAAP
3.43
- -
- -
- -
- -
12.22
- -
9.47
24.72
38.15
40.65
129.09
72.74
36.12
25.44
26.04
26.62
Effective Tax Rate (%)
11.95
-39.61
-57.97
-42.27
-10.21
9.71
1.25
8.46
13.33
12.19
7.62
5.51
6.4
22.17
24.28
25.99
27.57
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
23,978
19,941
18,162
13,773
7,732
7,445
6,508
5,890
5,597
6,439
4,602
5,565
4,540
5,644
6,241
6,847
5,224
LT Debt
5,612
4,374
4,000
3,276
4,987
5,681
5,265
7,180
6,964
7,381
7,386
7,062
5,937
7,290
8,193
9,061
9,668
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.92
-16.55
-32.52
-29.38
-7.26
6.03
0.56
3.7
5.57
6.01
3.68
2.83
4.9
24.27
23.35
25.71
40.45
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
14,805
14,805
14,805
Market Capitalization
11,254
13,390
12,347

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4,665
4,712
3,280
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.75%
5.09%
10.6%
Free Cash Flow
-212.84%
-425.26%
-2,214.09%
Net Income, GAAP
98.16%
74.07%
12.39%
Sales/Revenue/Turnover
5.75%
10.84%
4.99%
Total Cash Common Dividend
- -
- -
74.22%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
888
896
1,843
995
3,733
2025
950
963
1,915
919
3,919
2026
1,007
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.02
0.02
0.03
- -
0.06
2025
0.02
0.02
0.03
- -
0.07
2026
0.02
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.02
2025
- -
- -
- -
- -
0.03
2026
- -
- -
- -
- -
- -
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Business
Banco Comercial Português, S.A. (BCP.LS) is Portugal's largest private sector bank, providing a comprehensive range of retail banking, corporate and investment banking, and private banking services through its primary brand Millennium bcp, as well as ActivoBank for digital-focused customers; core offerings include current accounts, payment systems, savings and investment products, mortgage and personal loans, commercial banking, leasing, factoring, insurance distribution via bancassurance partnerships, asset management, investment banking, trade finance, brokerage, and digital channels such as internet, mobile, and telephone banking. The bank operates over 397 branches in Portugal, with international activities in Poland through Bank Millennium S.A., Mozambique via Banco Internacional de Moçambique S.A. (BIM), and a branch in Macau, alongside representative offices in Brazil, Switzerland, China, and the UK; it serves nearly 7 million customers, managing €84 billion in deposits and €55.7 billion in net customer loans as of end-2024. Founded in 1985 and headquartered at Praça D. João I, 28 in Porto, with operational headquarters in Oeiras near Lisbon, BCP maintains a diversified customer funds base of €104.6 billion and loans to customers of €58.1 billion as of March 2025. Recent developments include a 7.6% rise in Portugal net income to €218.9 million in Q1 2025, the early redemption of €450 million subordinated notes due 2030 and a €500 million Tier 2 notes issuance in March 2025, completion of a €200 million share buyback programme approved in April 2025 with trading commencing in the same month, S&P upgrade of senior unsecured debt to BBB+ in March 2025, and Moody's upgrade of baseline credit assessment to baa2 in May 2025; the bank also co-opted Esmeralda da Silva Santos Dourado as an independent non-executive director in January 2025 and continues strategic focus under its 2025-2028 plan emphasizing core markets and resilience enhancements like k8gb for Kubernetes infrastructure.