Centrale Populaire Banque SA

The company maintains a capital structure characterized by total assets of MAD 571.2 billion and total equity of MAD 37.0 billion. Total liabilities stand at MAD 534.3 billion, with long-term debt recorded at MAD 59.0 billion. The debt-to-equity ratio is 1.6, indicating moderate leverage relative to equity capital. Operating cash flow is robust at MAD 10.3 billion, supporting a free cash flow of MAD 5.5 billion after capital expenditures of MAD 1.6 billion. Liquidity risk is assessed as medium, with a key flag noting that net cash is negative after subtracting total debt.

Profitability metrics show a return on equity of 12.18% and a return on assets of 0.79%. Net income for the latest period is MAD 4.5 billion, derived from total revenue of MAD 15.5 billion. The company generates significant operating cash flow relative to its net income, suggesting strong accrual quality or working capital management. Without specific cohort median data provided in the input, direct comparative analysis against sector peers is omitted, but the absolute returns indicate a functioning commercial banking model.

Revenue generation is diversified across several segments including Retail Banking, Companies, Corporate and Investment Banking, Private Banking, and Foreign business. The Retail Banking segment comprises the Retail Network of Millennium BCP and ActivoBank. The Companies, Corporate and Investment Banking segment includes specialized divisions for recovery, real estate, and investment banking. Geographic exposure is primarily anchored in Portugal, where the company is headquartered.

Growth trajectory analysis is limited by the absence of historical period data in the input. The current revenue base of MAD 15.5 billion serves as the baseline for future projections. Without multi-year annual or quarterly data, trends in revenue expansion or contraction cannot be quantified from the provided information.

Risk factors include medium liquidity risk and low dilution risk. The negative net cash position after debt subtraction is a primary concern for balance sheet flexibility. Dilution risk is low, supported by the fact that basic and diluted shares outstanding are identical at 203.3 million shares. The company has 15,664 employees as of late 2025, indicating a substantial operational footprint.

Recent observations highlight a market capitalization of USD 15.8 billion. ESG pillar scores show high controversy scores (100) alongside moderate governance (47) and high social scores (82). The company was incorporated in 1985 and remains a privately owned bank in Portugal. No specific filing, news, or transcript events were provided in the input data to detail recent corporate actions.