(BCH) Banco De Chile - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 18.345m USD | Total Return: 28.9% in 12m
Avg Turnover: 10.7M
EPS Trend: -95.4%
Qual. Beats: 0
Rev. Trend: -97.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Banco de Chile (BCH) is a full-service financial institution headquartered in Santiago, operating through Retail Banking, Wholesale Banking, Treasury, and Subsidiaries segments. Founded in 1893, the bank provides a comprehensive suite of services including consumer and mortgage lending, credit cards, insurance brokerage, and investment management for individuals and corporate entities.
The Chilean banking sector is characterized by high concentration, where a small number of large institutions, including BCH, dominate the market share for loans and deposits. As a diversified bank, BCH utilizes a universal banking model, allowing it to generate revenue from both traditional net interest income and fee-based services such as asset management and foreign trade financing.
Investors can further examine the companys fundamental performance and valuation metrics on ValueRay. Given its long operational history, Banco de Chile remains a central pillar of the Chilean financial system, maintaining extensive infrastructure for domestic cash management and international trade services.
- Central bank monetary policy shifts impact net interest margins and lending volume
- Fluctuations in Chilean inflation rates drive valuation of UF-denominated loan portfolios
- Domestic GDP growth trends determine credit demand across retail and wholesale segments
- Political and regulatory changes in Chile influence banking sector tax and capital requirements
- Digital transformation initiatives reduce long-term operational costs and enhance retail market share
| Net Income: 1142b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA -4.90 > 1.0 |
| NWC/Revenue: -665.2% < 20% (prev -589.6%; Δ -75.63% < -1%) |
| CFO/TA 0.01 > 3% & CFO 814b > Net Income 1142b |
| Net Debt (12121b) to EBITDA (1549b): 7.83 < 3 |
| Current Ratio: 0.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (505.1m) vs 12m ago 0.0% < -2% |
| Gross Margin: 85.40% > 18% (prev 0.72%; Δ 8.47k% > 0.5%) |
| Asset Turnover: 5.66% > 50% (prev 6.94%; Δ -1.28% > 0%) |
| Interest Coverage Ratio: 1.46 > 6 (EBITDA TTM 1549b / Interest Expense TTM 1004b) |
| A: -0.37 (Total Current Assets 1597b - Total Current Liabilities 22003b) / Total Assets 54543b |
| B: 0.05 (Retained Earnings 2503b / Total Assets 54543b) |
| C: 0.03 (EBIT TTM 1464b / Avg Total Assets 54157b) |
| D: 0.11 (Book Value of Equity 5379b / Total Liabilities 49164b) |
| Altman-Z'' = -2.01 = D |
| DSRI: 0.23 (Receivables 576b/2989b, Revenue 3068b/3732b) |
| GMI: 0.84 (GM 85.40% / 71.60%) |
| AQI: 1.16 (AQ_t 0.97 / AQ_t-1 0.83) |
| SGI: 0.82 (Revenue 3068b / 3732b) |
| TATA: 0.01 (NI 1142b - CFO 814b) / TA 54543b) |
| Beneish M = -3.83 (Cap -4..+1) = AAA |
As of May 24, 2026, the stock is trading at USD 37.55 with a total of 409,369 shares traded.
Over the past week, the price has changed by +4.65%,
over one month by -2.39%,
over three months by -6.16% and
over the past year by +28.92%.
Banco De Chile has received a consensus analysts rating of 3.18. Therefore, it is recommended to hold BCH.
- StrongBuy: 2
- Buy: 0
- Hold: 7
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 38.1 | 1.5% |
P/E Forward = 11.6414
P/S = 5.6306
P/B = 3.0528
P/EG = 6.1276
Revenue TTM = 3068b USD
EBIT TTM = 1464b USD
EBITDA TTM = 1549b USD
Long Term Debt = 13337b USD (from longTermDebt, last quarter)
Short Term Debt = 3550b USD (from shortTermDebt, last quarter)
Debt = 13719b USD (from shortLongTermDebtTotal, last quarter) + Leases 68.8b
Net Debt = 12121b USD (calculated: Debt 13719b - CCE 1597b)
Enterprise Value = 12140b USD (18.3b + Debt 13719b - CCE 1597b)
Interest Coverage Ratio = 1.46 (Ebit TTM 1464b / Interest Expense TTM 1004b)
EV/FCF = -7.09x (Enterprise Value 12140b / FCF TTM -1712b)
FCF Yield = -14.10% (FCF TTM -1712b / Enterprise Value 12140b)
FCF Margin = -55.80% (FCF TTM -1712b / Revenue TTM 3068b)
Net Margin = 37.22% (Net Income TTM 1142b / Revenue TTM 3068b)
Gross Margin = 85.40% ((Revenue TTM 3068b - Cost of Revenue TTM 448b) / Revenue TTM)
Gross Margin QoQ = 62.83% (prev none%)
Tobins Q-Ratio = 0.22 (Enterprise Value 12140b / Total Assets 54543b)
Interest Expense / Debt = 7.32% (Interest Expense 1004b / Debt 13719b)
Taxrate = 22.54% (81.0b / 360b)
NOPAT = 1134b (EBIT 1464b * (1 - 22.54%))
Current Ratio = 0.07 (Total Current Assets 1597b / Total Current Liabilities 22003b)
Debt / Equity = 2.55 (Debt 13719b / totalStockholderEquity, last quarter 5379b)
Debt / EBITDA = 7.83 (Net Debt 12121b / EBITDA 1549b)
Debt / FCF = -7.08 (negative FCF - burning cash) (Net Debt 12121b / FCF TTM -1712b)
Total Stockholder Equity = 5607b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.11% (Net Income 1142b / Total Assets 54543b)
RoE = 20.37% (Net Income TTM 1142b / Total Stockholder Equity 5607b)
RoCE = 7.73% (EBIT 1464b / Capital Employed (Equity 5607b + L.T.Debt 13337b))
RoIC = 2.08% (NOPAT 1134b / Invested Capital 54542b)
WACC = 5.67% (E(18.3b)/V(13737b) * Re(8.07%) + D(13719b)/V(13737b) * Rd(7.32%) * (1-Tc(0.23)))
Discount Rate = 8.07% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 32.66 | Cagr: 104.5%
[DCF] Fair Price = unknown (Cash Flow -1712b)
EPS Correlation: -95.36 | EPS CAGR: -7.46% | SUE: -0.37 | # QB: 0
Revenue Correlation: -97.49 | Revenue CAGR: -20.84% | SUE: 0.54 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.69 | Chg30d=+1.85% | Revisions=+0% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.73 | Chg30d=-1.67% | Revisions=-33% | Analysts=4
EPS current Year (2026-12-31): EPS=2.81 | Chg30d=+1.65% | Revisions=-14% | GrowthEPS=+2.2% | GrowthRev=+5.5%
EPS next Year (2027-12-31): EPS=3.10 | Chg30d=-0.77% | Revisions=-14% | GrowthEPS=+10.3% | GrowthRev=+8.0%
[Analyst] Revisions Ratio: -33%