Banco Comercial Portugues S.A.

Banco Comercial Portugues S.A.

11.87
USD
-0.73
(-5.79%)
1.17EPS
11.72P/E
17.73BMarket Cap
Oct 28Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
6.66
6.69
5.3
2.68
1.65
1.49
1.64
1.59
1.66
2.04
2.55
2.47
2.62
3.28
Basic EPS, GAAP
-2.82
-0.68
0.52
0.03
0.14
0.2
0.2
0.12
0.09
0.13
0.57
0.6
0.68
0.9
Free Cash Flow per Basic Share
19.09
4.96
2.54
4.23
0.37
2.58
0.28
1.97
2.86
-0.47
2.54
3.58
2.29
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
0.02
- -
- -
0.01
- -
0.17
0.3
- -
Book Value per Share
9.21
9.63
9.98
7.9
3.98
3.82
4.05
4.11
4.05
3.41
4.17
4.69
5.28
5.35
Tangible Book Value per Share
8.25
9.03
9.52
7.6
3.87
3.71
3.89
3.95
3.88
3.29
4.02
4.51
5.06
5.13
Basic Weighted Avg Shares
263
332
457
715
1,333
1,512
1,512
1,512
1,512
1,512
1,512
1,512
1,494
1,480
Sales/Revenue/Turnover
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
4,849
Operating Margin (%)
-47.84
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
68
66
54
50
54
58
125
136
137
139
137
145
156
200
Net Income, GAAP
-740
-227
235
24
186
301
302
183
138
197
856
906
1,019
1,326
Effective Tax Rate (%)
- -
- -
12.22
- -
9.47
24.72
38.15
40.65
129.09
72.74
36.12
25.44
26.04
27.93
Profit Margin (%)
-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
27.34
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
8,156
Total Equity
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
9,562
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
0.85
- -
0.67
1.43
1.54
1.22
2.04
2.38
6.53
5.94
5.78
6.91
Return on Common Equity (%)
-26.38
-7.02
5.47
0.54
3.6
5.1
5.08
2.97
2.24
3.5
14.94
13.53
13.67
17.51

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,481
1,481
1,478
Market Capitalization
13,361
11,885
15,516

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4,712
3,280
4,602
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

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
57.31%
-142.38%
-36.6%
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

EUR

•

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
1,008
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.15
0.17
0.31
0.13
0.6
2025
0.16
0.17
0.35
0.16
0.68
2026
0.21
0.18
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.17
2025
- -
- -
- -
- -
0.3
2026
- -
- -
- -
- -
- -

Company Description

CEO
Miguel Maya Dias Pinheiro
Full Time Employees
15,747
Sector
Finance
Industry
Major banks
Address
Praça Dom João I, 28 Porto Portugal 4000-295
IPO Date
Jun 12, 1992
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.

Company News

  • Banco Comercial Português, S.A. informs about Interim report on the transactions conducted under the Share Buy- Back Programme

  • Banco Comercial Português, S.A. informs about the attribution of shares within the scope of the variable remuneration policy for Persons with Managing Responsibilities

  • Banco Comercial Português, S.A. informs on the payment of the dividend relating to the 2025 financial year

  • Banco Comercial Português, S.A. (BPCGY) Q1 2026 Earnings Call Transcript

  • Banco Comercial Português, S.A. informs about consolidated earnings in Q1 2026

  • Banco Comercial Portugues (BPCGY) Soars 7.3%: Is Further Upside Left in the Stock?

  • Banco Comercial Português, S.A. informs about the attribution of shares within the scope of the variable remuneration policy for Persons with Managing Responsibilities and Employees

  • Banco Comercial Português, S.A. informs about Bank Millennium (Poland) preliminary unaudited results in Q1 2026

  • Banco Comercial Português, S.A. (OTCMKTS:BPCGF) Short Interest Update

  • Banco Comercial Português, S.A. (BPCGY) Q4 2025 Earnings Call Transcript

  • Banco Comercial Português, S.A. informs about consolidated earnings in FY 2025

  • Short Interest in Banco Comercial Português, S.A. (OTCMKTS:BPCGF) Decreases By 44.6%

  • Short Interest in Banco Comercial Português, S.A. (OTCMKTS:BPCGF) Drops By 19.0%

  • Banco Comercial Portugues (BPCGY) vs. Its Peers Head-To-Head Review

  • Banco Comercial Português, S.A. (BPCGY) Q3 2025 Earnings Call Transcript

  • Banco Comercial Português, S.A. informs about consolidated earnings in 9M 2025

  • Banco Comercial Português, S.A. (BPCGF) Q2 2025 Earnings Call Transcript

  • Banco Comercial Português, S.A. informs on the payment of the dividend relating to the 2024 financial year

  • Banco Comercial Português, S.A. informs about consolidated earnings in Q1 2025

  • Banco Comercial Português, S.A. (BPCGF) Q3 2024 Earnings Call Transcript