Overview Dividends

(BCH) Banco De Chile - Ratings and Ratios

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

Checking Accounts, Credit Cards, Mortgage Loans, Investment Banking, Treasury Services

BCH EPS (Earnings per Share)

EPS Growth (3Y CAGR): -9.02%
EPS Trend (3Y Correlation): -54.6%

BCH Revenue

Revenue Growth (3Y CAGR): 10.25%
Revenue Trend (3Y Correlation): 42.3%

Risk via 10d forecast
Volatility	24.2%
Value at Risk 5%th	39.9%

Reward
Sharpe Ratio	2.09
Alpha	63.19

Character
Hurst Exponent	0.471
Beta	0.140

Drawdowns 3y
Max DD	17.02%
Mean DD	5.03%

Description: BCH Banco De Chile October 30, 2025

Banco de Chile (NYSE:BCH) is Chile’s oldest commercial bank, operating through four business lines – Retail, Wholesale, Treasury and Subsidiaries – that together deliver a full suite of deposit, loan, payment, brokerage, insurance and capital-market services under the Banco de Chile and Banco Edwards brands.

In the Retail segment, the bank leverages its extensive branch network to cross-sell checking accounts, credit cards, mortgages and consumer loans, while the Wholesale arm focuses on corporate financing, syndicated loans and investment-banking advisory. The Treasury division manages interest-rate and FX risk through swaps, forwards and bond issuance, and the Subsidiaries provide brokerage, insurance and payment-processing capabilities.

Key recent metrics (as of Q3 2024) show a 7 % YoY increase in total loan book to CLP 1.9 trn, a net interest margin (NIM) of 3.2 % – above the regional average of ~2.9 % – and a return on equity (ROE) of 13.5 %, reflecting solid profitability despite Chile’s modest 2 % GDP growth and a tightening monetary environment. The bank’s credit quality remains stable, with a non-performing loan ratio of 1.1 % versus the country’s banking sector average of 1.5 %.

For a deeper quantitative view of BCH’s valuation drivers and scenario analysis, you might explore the data and tools available on ValueRay to inform your next research steps.

BCH Stock Overview

Market Cap in USD	17,633m
Sub-Industry	Diversified Banks
IPO / Inception	2002-01-08
Return 12m vs S&P 500	+49.58%
Analyst Rating	3.18 of 5

BCH Dividends

Dividend Yield	5.81%
Yield on Cost 5y	16.20%
Yield CAGR 5y	19.31%
Payout Consistency	86.2%
Payout Ratio	83.5%

BCH Growth Ratios

CAGR	36.02%
CAGR/Max DD Calmar Ratio	2.12
CAGR/Mean DD Pain Ratio	7.17
Current Volume	674.3k
Average Volume	289.8k

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (1219.95b TTM) > 0 and > 6% of Revenue (6% = 220.90b TTM)

FCFTA 0.03 (>2.0%) and ΔFCFTA -0.56pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -562.9% (prev -334.4%; Δ -228.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.04 (>3.0%) and CFO 1883.58b > Net Income 1219.95b (YES >=105%, WARN >=100%)

Net Debt (9787.55b) to EBITDA (1229.35b) ratio: 7.96 <= 3.0 (WARN <= 3.5)

Current Ratio 0.31 (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 0.0% (target <= -2.0% for YES)

Gross Margin 72.27% (prev 84.63%; Δ -12.37pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.89% (prev 7.39%; Δ -0.50pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.79 (EBITDA TTM 1229.35b / Interest Expense TTM 1466.51b) >= 6 (WARN >= 3)

Altman Z'' -2.12

(A) -0.39 = (Total Current Assets 9095.35b - Total Current Liabilities 29820.51b) / Total Assets 53320.90b

(B) 0.05 = Retained Earnings (Balance) 2724.60b / Total Assets 53320.90b

(D) 0.12 = Book Value of Equity 5567.39b / Total Liabilities 47753.51b

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

ValueRay F-Score (Strict, 0-100) 60.98

1. Piotroski 3.50pt = -1.50

2. FCF Yield 7.77% = 3.88

3. FCF Margin 49.69% = 7.50

4. Debt/Equity 2.33 = 0.27

5. Debt/Ebitda 7.96 = -2.50

6. ROIC - WACC (= 0.83)% = 1.04

7. RoE 22.12% = 1.84

8. Rev. Trend 42.30% = 3.17

9. EPS Trend -54.55% = -2.73

What is the price of BCH shares?

As of November 10, 2025, the stock is trading at USD 36.23 with a total of 674,307 shares traded.
Over the past week, the price has changed by +0.47%, over one month by +15.68%, over three months by +26.11% and over the past year by +69.66%.

Is Banco De Chile a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Banco De Chile is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 60.98 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BCH is around 48.79 USD . This means that BCH is currently undervalued and has a potential upside of +34.67% (Margin of Safety).

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	30.9	-14.7%
Analysts Target Price	30.9	-14.7%
ValueRay Target Price	52.4	44.6%

BCH Fundamental Data Overview November 02, 2025

Market Cap CLP = 16649.52b (17.63b USD * 944.25 USD.CLP)
P/E Trailing = 13.1241
P/E Forward = 11.6414
P/S = 0.0066
P/B = 2.6004
P/EG = 6.1276
Beta = 0.14
Revenue TTM = 3681.63b CLP
EBIT TTM = 1157.84b CLP
EBITDA TTM = 1229.35b CLP
Long Term Debt = 12734.29b CLP (from longTermDebt, last quarter)
Short Term Debt = 156.11b CLP (from shortTermDebt, last quarter)
Debt = 12947.49b CLP (from shortLongTermDebtTotal, last quarter)
Net Debt = 9787.55b CLP (from netDebt column, last quarter)
Enterprise Value = 23547.76b CLP (16649.52b + Debt 12947.49b - CCE 6049.24b)
Interest Coverage Ratio = 0.79 (Ebit TTM 1157.84b / Interest Expense TTM 1466.51b)
FCF Yield = 7.77% (FCF TTM 1829.34b / Enterprise Value 23547.76b)
FCF Margin = 49.69% (FCF TTM 1829.34b / Revenue TTM 3681.63b)
Net Margin = 33.14% (Net Income TTM 1219.95b / Revenue TTM 3681.63b)
Gross Margin = 72.27% ((Revenue TTM 3681.63b - Cost of Revenue TTM 1021.09b) / Revenue TTM)
Gross Margin QoQ = 65.72% (prev 67.82%)
Tobins Q-Ratio = 0.44 (Enterprise Value 23547.76b / Total Assets 53320.90b)
Interest Expense / Debt = 1.93% (Interest Expense 250.24b / Debt 12947.49b)
Taxrate = 20.88% (80.45b / 385.31b)
NOPAT = 916.10b (EBIT 1157.84b * (1 - 20.88%))
Current Ratio = 0.31 (Total Current Assets 9095.35b / Total Current Liabilities 29820.51b)
Debt / Equity = 2.33 (Debt 12947.49b / totalStockholderEquity, last quarter 5567.39b)
Debt / EBITDA = 7.96 (Net Debt 9787.55b / EBITDA 1229.35b)
Debt / FCF = 5.35 (Net Debt 9787.55b / FCF TTM 1829.34b)
Total Stockholder Equity = 5515.10b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.29% (Net Income 1219.95b / Total Assets 53320.90b)
RoE = 22.12% (Net Income TTM 1219.95b / Total Stockholder Equity 5515.10b)
RoCE = 6.34% (EBIT 1157.84b / Capital Employed (Equity 5515.10b + L.T.Debt 12734.29b))
RoIC = 5.17% (NOPAT 916.10b / Invested Capital 17711.05b)
WACC = 4.34% (E(16649.52b)/V(29597.00b) * Re(6.53%) + D(12947.49b)/V(29597.00b) * Rd(1.93%) * (1-Tc(0.21)))
Discount Rate = 6.53% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈1953.35b ; Y1≈1282.46b ; Y5≈586.48b
Fair Price DCF = 22.8k (DCF Value 11527.79b / Shares Outstanding 505.1m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -54.55 | EPS CAGR: -9.02% | SUE: 0.01 | # QB: 0
Revenue Correlation: 42.30 | Revenue CAGR: 10.25% | SUE: 0.30 | # QB: 0

Additional Sources for BCH Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle