(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
Dividends
| Dividend Yield | 5.55% |
| Yield on Cost 5y | 15.53% |
| Yield CAGR 5y | 19.31% |
| Payout Consistency | 83.2% |
| Payout Ratio | 83.5% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 22.1% |
| Value at Risk 5%th | 36.7% |
| Relative Tail Risk | 0.88% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.44 |
| Alpha | 70.01 |
| CAGR/Max DD | 2.25 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.418 |
| Beta | 0.485 |
| Beta Downside | 0.448 |
| Drawdowns 3y | |
|---|---|
| Max DD | 17.02% |
| Mean DD | 5.01% |
| Median DD | 4.29% |
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.
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 2.54pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -635.0% (prev -336.6%; Δ -298.4pp) (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 74.62%; Δ 5.36pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.25% (prev 7.31%; Δ -1.06pp) >=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 |
| (C) 0.01 = EBIT TTM 793.29b / Avg Total Assets 53578.98b |
| (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) 55.12
| 1. Piotroski 3.50pt |
| 2. FCF Yield 3.98% |
| 3. FCF Margin 30.34% |
| 4. Debt/Equity 2.50 |
| 5. Debt/Ebitda 9.47 |
| 6. ROIC - WACC (= -1.53)% |
| 7. RoE 22.00% |
| 8. Rev. Trend 32.70% |
| 9. EPS Trend -54.86% |
What is the price of BCH shares?
As of December 02, 2025, the stock is trading at USD 37.92 with a total of 105,915 shares traded.
Over the past week, the price has changed by +2.65%, over one month by +5.16%, over three months by +31.12% and over the past year by +78.81%.
Over the past week, the price has changed by +2.65%, over one month by +5.16%, over three months by +31.12% and over the past year by +78.81%.
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 | 32.4 | -14.5% |
| Analysts Target Price | 32.4 | -14.5% |
| ValueRay Target Price | 56 | 47.6% |
BCH Fundamental Data Overview November 21, 2025
Market Cap CLP = 17192.83b (18.55b USD * 927.0 USD.CLP)
P/E Trailing = 13.5498
P/E Forward = 13.5318
P/S = 0.0069
P/B = 3.0357
P/EG = 7.119
Beta = 0.107
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 = 25543.49b CLP (17192.83b + Debt 14203.65b - CCE 5852.98b)
Interest Coverage Ratio = 0.55 (Ebit TTM 793.29b / Interest Expense TTM 1448.93b)
FCF Yield = 3.98% (FCF TTM 1016.20b / Enterprise Value 25543.49b)
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 = 0.46 (Enterprise Value 25543.49b / 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 = 2.21% (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 = 4.88% (E(17192.83b)/V(31396.47b) * Re(7.80%) + D(14203.65b)/V(31396.47b) * Rd(1.75%) * (1-Tc(0.23)))
Discount Rate = 7.80% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 123.6%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈1016.20b ; Y1≈667.18b ; Y5≈305.11b
Fair Price DCF = 11.9k (DCF Value 5997.18b / Shares Outstanding 505.1m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -54.86 | EPS CAGR: -2.61% | SUE: 0.07 | # QB: 0
Revenue Correlation: 32.70 | Revenue CAGR: -1.74% | SUE: -0.09 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.67 | Chg30d=+0.020 | Revisions Net=+2 | Analysts=4
EPS next Year (2026-12-31): EPS=2.71 | Chg30d=+0.054 | Revisions Net=+2 | Growth EPS=+4.3% | Growth Revenue=+7.1%
P/E Trailing = 13.5498
P/E Forward = 13.5318
P/S = 0.0069
P/B = 3.0357
P/EG = 7.119
Beta = 0.107
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 = 25543.49b CLP (17192.83b + Debt 14203.65b - CCE 5852.98b)
Interest Coverage Ratio = 0.55 (Ebit TTM 793.29b / Interest Expense TTM 1448.93b)
FCF Yield = 3.98% (FCF TTM 1016.20b / Enterprise Value 25543.49b)
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 = 0.46 (Enterprise Value 25543.49b / 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 = 2.21% (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 = 4.88% (E(17192.83b)/V(31396.47b) * Re(7.80%) + D(14203.65b)/V(31396.47b) * Rd(1.75%) * (1-Tc(0.23)))
Discount Rate = 7.80% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 123.6%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈1016.20b ; Y1≈667.18b ; Y5≈305.11b
Fair Price DCF = 11.9k (DCF Value 5997.18b / Shares Outstanding 505.1m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -54.86 | EPS CAGR: -2.61% | SUE: 0.07 | # QB: 0
Revenue Correlation: 32.70 | Revenue CAGR: -1.74% | SUE: -0.09 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.67 | Chg30d=+0.020 | Revisions Net=+2 | Analysts=4
EPS next Year (2026-12-31): EPS=2.71 | Chg30d=+0.054 | Revisions Net=+2 | Growth EPS=+4.3% | Growth Revenue=+7.1%
Additional Sources for BCH Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle