(BCH) Banco De Chile - Ratings and Ratios

Exchange: NYSE • Country: Chile • Currency: USD • Type: Common Stock • ISIN: US0595201064

Loans, Cards, Deposits, Insurance, Brokerage

Diversified Banks
Market Cap in USD: 20,436m

IPO / Inception: 2002-01-08
12m vs SPY: 57.2%

EPS (Earnings per Share)

EPS CAGR: -48.29%
EPS Trend: -63.7%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: -1.74%
Rev. Trend: -21.4%

Last SUE: -0.10
Qual. Beats: 0

Dividends

Dividend Yield	7.98%
Yield on Cost 5y	13.56%
Yield CAGR 5y	36.45%
Payout Consistency	86.8%
Payout Ratio	83.5%

Risk via 5d forecast
Volatility	22.6%
Value at Risk 5%th	37.8%
Relative Tail Risk	1.61%

Reward TTM
Sharpe Ratio	2.69
Alpha	84.83
CAGR/Max DD	2.27

Character TTM
Hurst Exponent	0.425
Beta	0.494
Beta Downside	0.395

Drawdowns 3y
Max DD	17.02%
Mean DD	5.00%
Median DD	4.28%

Description: BCH Banco De Chile January 02, 2026

Banco de Chile (NYSE:BCH) is a full-service commercial bank operating in Chile through four business lines-Retail, Wholesale, Treasury, and Subsidiaries. The Retail arm delivers deposit products, credit cards, mortgages, consumer loans, and brokerage services via the Banco de Chile and Banco Edwards branches. Wholesale serves corporate clients with term loans, syndicated financing, investment-banking, and treasury solutions. The Treasury unit manages foreign-exchange, interest-rate, and bond-related activities, while the Subsidiaries segment offers brokerage, insurance, and payment-processing services.

Key recent metrics (2023-24):
• Return on equity (ROE) around 13 % and a CET1 capital ratio of ~13.5 %, indicating solid profitability and capital strength.
• Loan portfolio grew ~5 % YoY, driven by a rebound in consumer mortgage demand as Chile’s real-estate market recovered after the 2023-24 interest-rate cuts.
• Net interest margin (NIM) compressed to 2.1 % amid a flattening yield curve, but the bank offset this with higher fee-based income from wealth-management and insurance cross-selling.

Given Chile’s GDP growth forecast of 2-3 % in 2025 and the central bank’s gradual rate-cut cycle, BCH’s exposure to domestic credit cycles and its diversified revenue mix position it to benefit from improving macro conditions-though credit-risk monitoring remains essential as inflation pressures linger.

For a deeper, data-driven assessment of BCH’s valuation assumptions, you might explore the analytical tools on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (1224.79b TTM) > 0 and > 6% of Revenue (6% = 200.94b TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 3.96pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -635.0% (prev -471.0%; Δ -164.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 1072.46b <= Net Income 1224.79b (YES >=105%, WARN >=100%)

Net Debt (11561.64b) to EBITDA (1220.42b) ratio: 9.47 <= 3.0 (WARN <= 3.5)

Current Ratio 0.30 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (505.1m) change vs 12m ago -0.06% (target <= -2.0% for YES)

Gross Margin 79.98% (prev 71.88%; Δ 8.10pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.25% (prev 8.91%; Δ -2.66pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.55 (EBITDA TTM 1220.42b / Interest Expense TTM 1448.93b) >= 6 (WARN >= 3)

Altman Z'' -2.12

(A) -0.38 = (Total Current Assets 8908.59b - Total Current Liabilities 30173.79b) / Total Assets 55470.09b

(B) 0.05 = Retained Earnings (Balance) 3017.51b / Total Assets 55470.09b

(D) 0.11 = Book Value of Equity 5681.54b / Total Liabilities 49788.55b

Total Rating: -2.12 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 50.51

1. Piotroski 3.50pt

2. FCF Yield 3.85%

3. FCF Margin 30.34%

4. Debt/Equity 2.50

5. Debt/Ebitda 9.47

6. ROIC - WACC (= -1.57)%

7. RoE 22.00%

8. Rev. Trend -21.37%

9. EPS Trend -63.73%

What is the price of BCH shares?

As of January 16, 2026, the stock is trading at USD 41.22 with a total of 260,066 shares traded.
Over the past week, the price has changed by -1.68%, over one month by +3.81%, over three months by +23.39% and over the past year by +85.72%.

Is BCH a buy, sell or hold?

Banco De Chile has received a consensus analysts rating of 3.18. Therefor, it is recommend to hold BCH.

Strong Buy: 2
Buy: 0
Hold: 7
Sell: 2
Strong Sell: 0

What are the forecasts/targets for the BCH price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	34.2	-17.1%
Analysts Target Price	34.2	-17.1%
ValueRay Target Price	61.7	49.7%

BCH Fundamental Data Overview January 10, 2026

Market Cap CLP = 18014.12b (20.44b USD * 881.5 USD.CLP)
P/E Trailing = 14.3986
P/E Forward = 14.3062
P/S = 6.0171
P/B = 3.2115
P/EG = 7.5312
Revenue TTM = 3349.07b CLP
EBIT TTM = 793.29b CLP
EBITDA TTM = 1220.42b CLP
Long Term Debt = 13955.26b CLP (from longTermDebt, last quarter)
Short Term Debt = 193.68b CLP (from shortTermDebt, last quarter)
Debt = 14203.65b CLP (from shortLongTermDebtTotal, last quarter)
Net Debt = 11561.64b CLP (from netDebt column, last quarter)
Enterprise Value = 26364.78b CLP (18014.12b + Debt 14203.65b - CCE 5852.98b)
Interest Coverage Ratio = 0.55 (Ebit TTM 793.29b / Interest Expense TTM 1448.93b)
EV/FCF = 25.94x (Enterprise Value 26364.78b / FCF TTM 1016.20b)
FCF Yield = 3.85% (FCF TTM 1016.20b / Enterprise Value 26364.78b)
FCF Margin = 30.34% (FCF TTM 1016.20b / Revenue TTM 3349.07b)
Net Margin = 36.57% (Net Income TTM 1224.79b / Revenue TTM 3349.07b)
Gross Margin = 79.98% ((Revenue TTM 3349.07b - Cost of Revenue TTM 670.54b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 65.72%)
Tobins Q-Ratio = 0.48 (Enterprise Value 26364.78b / Total Assets 55470.09b)
Interest Expense / Debt = 1.75% (Interest Expense 248.90b / Debt 14203.65b)
Taxrate = 22.87% (86.86b / 379.78b)
NOPAT = 611.85b (EBIT 793.29b * (1 - 22.87%))
Current Ratio = 0.30 (Total Current Assets 8908.59b / Total Current Liabilities 30173.79b)
Debt / Equity = 2.50 (Debt 14203.65b / totalStockholderEquity, last quarter 5681.54b)
Debt / EBITDA = 9.47 (Net Debt 11561.64b / EBITDA 1220.42b)
Debt / FCF = 11.38 (Net Debt 11561.64b / FCF TTM 1016.20b)
Total Stockholder Equity = 5566.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.29% (Net Income 1224.79b / Total Assets 55470.09b)
RoE = 22.00% (Net Income TTM 1224.79b / Total Stockholder Equity 5566.82b)
RoCE = 4.06% (EBIT 793.29b / Capital Employed (Equity 5566.82b + L.T.Debt 13955.26b))
RoIC = 3.35% (NOPAT 611.85b / Invested Capital 18255.52b)
WACC = 4.92% (E(18014.12b)/V(32217.76b) * Re(7.74%) + D(14203.65b)/V(32217.76b) * Rd(1.75%) * (1-Tc(0.23)))
Discount Rate = 7.74% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 123.6%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈1016.20b ; Y1≈667.08b ; Y5≈304.37b
Fair Price DCF = N/A (negative equity: EV 9698.00b - Net Debt 11561.64b = -1863.65b; debt exceeds intrinsic value)
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: -63.73 | EPS CAGR: -48.29% | SUE: -4.0 | # QB: 0
Revenue Correlation: -21.37 | Revenue CAGR: -1.74% | SUE: -0.10 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.67 | Chg30d=+0.000 | Revisions Net=+2 | Analysts=4
EPS next Year (2026-12-31): EPS=2.72 | Chg30d=-0.002 | Revisions Net=+0 | Growth EPS=+5.8% | Growth Revenue=+6.7%

Additional Sources for BCH Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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