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BANCO DE CHILE-ADR (BCH) Stock Fundamental Analysis

NYSE:BCH - New York Stock Exchange, Inc. - US0595201064 - ADR - Currency: USD

29.33  -0.19 (-0.64%)

Premarket: 29.78 +0.45 (+1.53%)

Fundamental Rating

3

Taking everything into account, BCH scores 3 out of 10 in our fundamental rating. BCH was compared to 398 industry peers in the Banks industry. There are concerns on the financial health of BCH while its profitability can be described as average. BCH has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

BCH had positive earnings in each of the past 5 years.
Of the past 5 years BCH 4 years had a positive operating cash flow.
BCH Yearly Net Income VS EBIT VS OCF VS FCFBCH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1T -1T 2T

1.2 Ratios

BCH has a better Return On Assets (2.32%) than 97.49% of its industry peers.
The Return On Equity of BCH (21.47%) is better than 98.74% of its industry peers.
Industry RankSector Rank
ROA 2.32%
ROE 21.47%
ROIC N/A
ROA(3y)2.37%
ROA(5y)1.93%
ROE(3y)24.74%
ROE(5y)21.09%
ROIC(3y)N/A
ROIC(5y)N/A
BCH Yearly ROA, ROE, ROICBCH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

With an excellent Profit Margin value of 33.88%, BCH belongs to the best of the industry, outperforming 90.20% of the companies in the same industry.
In the last couple of years the Profit Margin of BCH has grown nicely.
The Operating Margin and Gross Margin are not available for BCH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 33.88%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.72%
PM growth 5Y7.05%
GM growth 3YN/A
GM growth 5YN/A
BCH Yearly Profit, Operating, Gross MarginsBCH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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1

2. Health

2.1 Basic Checks

The number of shares outstanding for BCH remains at a similar level compared to 1 year ago.
Compared to 5 years ago, BCH has about the same amount of shares outstanding.
BCH has a better debt/assets ratio than last year.
BCH Yearly Shares OutstandingBCH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
BCH Yearly Total Debt VS Total AssetsBCH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10T 20T 30T 40T 50T

2.2 Solvency

BCH has a debt to FCF ratio of 127.95. This is a negative value and a sign of low solvency as BCH would need 127.95 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 127.95, BCH is doing worse than 88.69% of the companies in the same industry.
BCH has a Debt/Equity ratio of 1.74. This is a high value indicating a heavy dependency on external financing.
BCH has a Debt to Equity ratio of 1.74. This is amonst the worse of the industry: BCH underperforms 89.20% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.74
Debt/FCF 127.95
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BCH Yearly LT Debt VS Equity VS FCFBCH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5T 10T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BCH Yearly Current Assets VS Current LiabilitesBCH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1T 2T 3T 4T

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3

3. Growth

3.1 Past

BCH shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.92%.
Measured over the past years, BCH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.28% on average per year.
Looking at the last year, BCH shows a small growth in Revenue. The Revenue has grown by 5.05% in the last year.
The Revenue has been growing slightly by 7.69% on average over the past years.
EPS 1Y (TTM)-2.92%
EPS 3Y15.04%
EPS 5Y15.28%
EPS Q2Q%-22.77%
Revenue 1Y (TTM)5.05%
Revenue growth 3Y7.8%
Revenue growth 5Y7.69%
Sales Q2Q%-9.92%

3.2 Future

The Earnings Per Share is expected to grow by 3.72% on average over the next years.
The Revenue is expected to grow by 5.72% on average over the next years.
EPS Next Y-5.05%
EPS Next 2Y-0.6%
EPS Next 3Y1.69%
EPS Next 5Y3.72%
Revenue Next Year0.87%
Revenue Next 2Y3.03%
Revenue Next 3Y3.47%
Revenue Next 5Y5.72%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BCH Yearly Revenue VS EstimatesBCH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1T 2T 3T 4T
BCH Yearly EPS VS EstimatesBCH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 500 1K 1.5K 2K 2.5K

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0

4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
BCH Price Earnings VS Forward Price EarningsBCH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BCH Per share dataBCH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.6%
EPS Next 3Y1.69%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.09%, BCH is a good candidate for dividend investing.
BCH's Dividend Yield is rather good when compared to the industry average which is at 3.52. BCH pays more dividend than 96.48% of the companies in the same industry.
BCH's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 7.09%

5.2 History

The dividend of BCH is nicely growing with an annual growth rate of 18.02%!
BCH has been paying a dividend for at least 10 years, so it has a reliable track record.
BCH has decreased its dividend in the last 3 years.
Dividend Growth(5Y)18.02%
Div Incr Years2
Div Non Decr Years2
BCH Yearly Dividends per shareBCH Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

5.3 Sustainability

BCH pays out 67.58% of its income as dividend. This is not a sustainable payout ratio.
The dividend of BCH is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP67.58%
EPS Next 2Y-0.6%
EPS Next 3Y1.69%
BCH Yearly Income VS Free CF VS DividendBCH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1T -1T 2T
BCH Dividend Payout.BCH Dividend Payout, showing the Payout Ratio.BCH Dividend Payout.PayoutRetained Earnings

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BANCO DE CHILE-ADR

NYSE:BCH (5/1/2025, 8:46:49 PM)

Premarket: 29.78 +0.45 (+1.53%)

29.33

-0.19 (-0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29
Earnings (Next)07-29 2025-07-29
Inst Owners30.28%
Inst Owner Change-0.03%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap14.81B
Analysts74.12
Price Target29.86 (1.81%)
Short Float %0.21%
Short Ratio1.31
Dividend
Industry RankSector Rank
Dividend Yield 7.09%
Yearly DividendN/A
Dividend Growth(5Y)18.02%
DP67.58%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-21 2025-03-21 (2.075747)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-8.57%
Min EPS beat(2)-9.22%
Max EPS beat(2)-7.92%
EPS beat(4)2
Avg EPS beat(4)-0.66%
Min EPS beat(4)-9.22%
Max EPS beat(4)10.58%
EPS beat(8)4
Avg EPS beat(8)-0.45%
EPS beat(12)7
Avg EPS beat(12)6.62%
EPS beat(16)11
Avg EPS beat(16)9.37%
Revenue beat(2)0
Avg Revenue beat(2)-2.12%
Min Revenue beat(2)-2.92%
Max Revenue beat(2)-1.32%
Revenue beat(4)1
Avg Revenue beat(4)-0.78%
Min Revenue beat(4)-2.92%
Max Revenue beat(4)1.73%
Revenue beat(8)1
Avg Revenue beat(8)-1.85%
Revenue beat(12)5
Avg Revenue beat(12)11.2%
Revenue beat(16)8
Avg Revenue beat(16)17.02%
PT rev (1m)13%
PT rev (3m)27.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.91%
EPS NY rev (1m)0.17%
EPS NY rev (3m)3.52%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.11%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)N/A
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.32%
ROE 21.47%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.88%
GM N/A
FCFM 2.71%
ROA(3y)2.37%
ROA(5y)1.93%
ROE(3y)24.74%
ROE(5y)21.09%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.72%
PM growth 5Y7.05%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 1.74
Debt/FCF 127.95
Debt/EBITDA N/A
Cap/Depr 79.41%
Cap/Sales 2.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 7.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)88.83%
Cap/Depr(5y)83.51%
Cap/Sales(3y)2.45%
Cap/Sales(5y)2.42%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-2.92%
EPS 3Y15.04%
EPS 5Y15.28%
EPS Q2Q%-22.77%
EPS Next Y-5.05%
EPS Next 2Y-0.6%
EPS Next 3Y1.69%
EPS Next 5Y3.72%
Revenue 1Y (TTM)5.05%
Revenue growth 3Y7.8%
Revenue growth 5Y7.69%
Sales Q2Q%-9.92%
Revenue Next Year0.87%
Revenue Next 2Y3.03%
Revenue Next 3Y3.47%
Revenue Next 5Y5.72%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-62.92%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-89.89%
FCF growth 3Y-65.57%
FCF growth 5Y-39.3%
OCF growth 1Y-83.55%
OCF growth 3Y-58.68%
OCF growth 5Y-32.64%