Overview Dividends

(BCH) Banco De Chile - Ratings and Ratios

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

Loans, CreditCards, Deposits, Investments, Insurance, ForeignExchange

BCH EPS (Earnings per Share)

EPS Growth (3Y CAGR): -61.27%
EPS Trend (3Y Correlation): -61.2%

BCH Revenue

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

Description: BCH Banco De Chile

Banco de Chile is a Chilean commercial bank offering a wide range of banking services through its four main segments: Retail, Wholesale, Treasury, and Subsidiaries. The bank provides various financial products and services, including checking and deposit accounts, credit cards, loans, leasing, factoring, and investment banking services.

With a history dating back to 1893, Banco de Chile has established itself as a major player in the Chilean banking sector. Its diverse business segments enable the bank to cater to different customer needs, from individual consumers to large corporations. The banks subsidiaries also provide additional services such as insurance, brokerage, and payment solutions.

From a financial perspective, Banco de Chile has a market capitalization of approximately $14.8 billion USD, with a price-to-earnings ratio of 10.89 and a forward P/E of 10.91. The banks return on equity (RoE) stands at 22.69%, indicating a relatively strong profitability. To further analyze the banks performance, other key metrics such as the net interest margin (NIM), efficiency ratio, and loan-to-deposit ratio could be examined.

Some additional KPIs that could be relevant in evaluating Banco de Chiles performance include its capital adequacy ratio (CAR), which measures the banks capital in relation to its risk-weighted assets, and its non-performing loan (NPL) ratio, which indicates the percentage of loans that are not being repaid. The banks dividend yield and payout ratio could also be of interest to income-seeking investors.

BCH Stock Overview

Market Cap in USD	15,678m
Sub-Industry	Diversified Banks
IPO / Inception	2002-01-08

BCH Stock Ratings

Growth Rating	91.4%
Fundamental	61.1%
Dividend Rating	86.4%
Return 12m vs S&P 500	18.4%
Analyst Rating	3.18 of 5

BCH Dividends

Dividend Yield 12m	6.89%
Yield on Cost 5y	19.25%
Annual Growth 5y	19.31%
Payout Consistency	86.2%
Payout Ratio	83.7%

BCH Growth Ratios

Growth Correlation 3m	87.8%
Growth Correlation 12m	82.4%
Growth Correlation 5y	89.8%
CAGR 5y	30.52%
CAGR/Max DD 3y (Calmar Ratio)	1.79
CAGR/Mean DD 3y (Pain Ratio)	6.02
Sharpe Ratio 12m	1.23
Alpha	33.12
Beta	0.140
Volatility	24.64%
Current Volume	261.8k
Average Volume 20d	319.3k
Stop Loss	30.1 (-3.1%)
Signal	-0.42

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) 61.10

1. Piotroski 3.50pt = -1.50

2. FCF Yield 8.34% = 4.17

3. FCF Margin 49.69% = 7.50

4. Debt/Equity 2.33 = 0.27

5. Debt/Ebitda 7.96 = -2.50

6. ROIC - WACC (= 0.96)% = 1.20

7. RoE 22.12% = 1.84

8. Rev. Trend 42.30% = 3.17

9. EPS Trend -61.19% = -3.06

What is the price of BCH shares?

As of October 14, 2025, the stock is trading at USD 31.06 with a total of 261,768 shares traded.
Over the past week, the price has changed by +0.23%, over one month by +1.73%, over three months by +7.81% and over the past year by +33.88%.

Is Banco De Chile a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Banco De Chile is currently (October 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 61.10 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 38.46 USD . This means that BCH is currently undervalued and has a potential upside of +23.82% (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	29.7	-4.3%
Analysts Target Price	29.7	-4.3%
ValueRay Target Price	41.2	32.8%

Last update: 2025-10-10 02:25

BCH Fundamental Data Overview

Market Cap CLP = 15033.18b (15.68b USD * 958.88 USD.CLP)
P/E Trailing = 11.9385
P/E Forward = 11.6414
P/S = 0.0059
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 = 21931.42b CLP (15033.18b + Debt 12947.49b - CCE 6049.24b)
Interest Coverage Ratio = 0.79 (Ebit TTM 1157.84b / Interest Expense TTM 1466.51b)
FCF Yield = 8.34% (FCF TTM 1829.34b / Enterprise Value 21931.42b)
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 = 0.41 (Enterprise Value 21931.42b / 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 = 4.22% (E(15033.18b)/V(27980.66b) * Re(6.53%) + D(12947.49b)/V(27980.66b) * 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: 100.0 | Cagr: 123.6%
[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: -61.19 | EPS CAGR: -61.27% | SUE: -4.0 | # 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