BCH
Banco de Chile
$40.80
▲ 1.7%Updated Today 12:18 PM ET
BCH at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 53/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 31.5% over the last 12 months
Market Cap
$19.36B
P/E
16.23x
Forward P/E (est.)
17.78x
ROE
20.1%
Revenue Growth
-3.3%
EPS Growth
-8.7%
Profit Margin
34.3%
FCF Yield
32.2%
Debt / Equity
2.4x
ROIC
19.0%
Interest Coverage
0.98x
Current Ratio
—
Dividend Yield
5.5%
Implied Growth (rev. DCF)
-9.1%
Rating Score
53/100
Banco de Chile (BCH) is a large-cap company in the Banking industry, part of the Financials sector of the S&P 500, with a market value around $19.36B.
In its latest reported year it generated about $3.96B in revenue and $1.31B in net profit.
Our model rates BCH Neutral (53/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (10 years of history).
Some durable-advantage evidence, but not across the board — dig into which ingredient is weak and whether it's cyclical or structural.
40.9% average over the last 3 years
±7.0 pts around 38.7% across 10 years
grew in 5 of the last 9 year-over-year periods
positive in 7 of 10 years
19.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what BCH's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. BCH trades near $40.80, above its 50-day average ($37.94) and 200-day average ($37.79). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 47 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently negative — short-term momentum is fading.
Volatility — ATR. Average True Range is the typical daily move. BCH's is $1.14 (~2.8% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month BCH found buyers near $35.83 (support) and sellers near $41.80 (resistance); its 52-week range is $27.08–$46.77. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.5× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
19.1%
Revenue moved from $2.00B in 2015 to $3.96B in 2024, a 7.9% compound annual growth rate. The most recent year declined 3.3% year over year. Shrinking revenue is worth a closer look — is it cyclical or structural?
Gross Margin
—
Operating Margin
42.0%
Net Margin
33.1%
ROE
20.1%
Banco de Chile keeps about 34.3% of each sales dollar as net profit. Return on equity is 20.1% and return on invested capital about 19.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$1.20B
Net Debt
-$3.49B
Net cash position
Net Debt / EBITDA
-2.1x
Debt / Equity
2.4x
Leverage: debt-to-equity is 2.4x, and operating profit covers interest about 1.0x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $1.20B of total debt against $4.69B of cash.
Operating CF
$3.88B
Free Cash Flow
$3.86B
FCF Margin
97.5%
In the latest year Banco de Chile produced about $3.88B of operating cash flow and $3.86B of free cash flow after capital spending. That is a free-cash-flow yield of about 32.2% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The dividend is being paid, but coverage or consistency is thinner than an income investor should rely on without a closer look.
Dividend yield
5.5%
Per share (latest FY)
$0.00
Total paid (latest FY)
$856.73M
History on record
10 years
dividend uses 22% of free cash flow
65% of net income paid out
no current raise streak
payout was cut at least once in the last 10 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
16.23x
P/S
2.88x
P/B
3.03x
EV / EBITDA
9.01x
BCH trades at 16.2x trailing earnings (about 17.8x on estimated forward earnings), 2.9x sales, and 3.0x book value. Reverse-engineering today's price implies the market expects roughly -9.1% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$0.43
Current price
$40.80
Starting FCF (latest 10-K)
$3.86B
Growth, years 1–5
-3.3%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where BCH sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How BCH stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), BCH ranks #108 of 289 by our overall rating. It trades at roughly in line versus the sector on earnings (16.2x P/E vs. 15.3x median) with a higher return on equity (20.1% vs. 13.6%) and slower revenue growth (-3.3% vs. 15.9%).
P/E vs sector
16.2x
median 15.3x
ROE vs sector
20.1%
median 13.6%
Growth vs sector
-3.3%
median 15.9%
Sector rank
#108
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $40.80 today · expected CAGR -5% – 5%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $4.08B | $4.20B | $4.33B | $4.46B | $4.59B |
| Net income | $1.35B | $1.39B | $1.43B | $1.47B | $1.51B |
| EPS | $2.84 | $2.92 | $3.01 | $3.10 | $3.19 |
| Share price (low) | $28.37 | $29.22 | $30.10 | $31.00 | $31.93 |
| Share price (high) | $45.39 | $46.75 | $48.15 | $49.60 | $51.09 |
| CAGR (low–high) | -30% / 11% | -15% / 7% | -10% / 6% | -7% / 5% | -5% / 5% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for BCH:
- High net margins (34.3%) point to pricing power or efficiency.
- Strong return on equity (20.1%) shows capital is put to work well.
- Healthy free-cash-flow yield (~32.2%) funds buybacks and dividends.
- Pays a 5.5% dividend on top of any price gains.
The case against BCH:
- Revenue growth is slow/negative (-3.3%), limiting the upside engine.
- Elevated leverage (debt/equity 2.4x) adds financial risk.
- Interest coverage is thin (1.0x), so debt costs bite.
Balance-sheet risk — debt/equity of 2.4x magnifies the impact of higher rates or weaker earnings.
Growth risk — sluggish revenue (-3.3%) leaves little margin for execution missteps.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Banco de Chile is a large-cap financials business with shrinking revenue, with solid profitability, and a heavier debt load to watch. It trades at 16.2x earnings, which our model scores Neutral (53/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 18 Wall Street analysts covering BCH recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more positive over the last three months (+6 pts of buy ratings).
Latest SEC Filings
BCH's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
BCH — frequently asked questions
Is BCH a good stock to buy?
We don't give buy or sell advice. Our model rates Banco de Chile Neutral (53/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is BCH's rating on The Stocks School?
Banco de Chile currently scores 53/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does BCH's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Banco de Chile's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for BCH calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this BCH analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell BCH. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.