BANCO DE CHILE-ADR (BCH)
US0595201064 - ADR
Overall BCH gets a fundamental rating of 3 out of 10. We evaluated BCH against 411 industry peers in the Banks industry. While BCH is still in line with the averages on profitability rating, there are concerns on its financial health. BCH is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
Each year in the past 5 years BCH has been profitable.
BCH had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
BCH has a better Return On Assets (2.23%) than 96.35% of its industry peers.
The Return On Equity of BCH (23.75%) is better than 98.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.23% | ||
| ROE | 23.75% | ||
| ROIC | N/A |
ROA(3y)2.1%
ROA(5y)1.75%
ROE(3y)23.84%
ROE(5y)20.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of BCH (36.65%) is better than 91.24% of its industry peers.
BCH's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BCH so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 36.65% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y22.56%
PM growth 5Y7.26%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
Compared to 1 year ago, BCH has about the same amount of shares outstanding.
BCH has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, BCH has an improved debt to assets ratio.
2.2 Solvency
BCH has a debt to FCF ratio of 17.13. This is a negative value and a sign of low solvency as BCH would need 17.13 years to pay back of all of its debts.
The Debt to FCF ratio of BCH (17.13) is worse than 84.18% of its industry peers.
BCH has a Debt/Equity ratio of 2.61. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.61, BCH is doing worse than 93.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.61 | ||
| Debt/FCF | 17.13 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BCH have decreased strongly by -11.76% in the last year.
Measured over the past years, BCH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.85% on average per year.
Looking at the last year, BCH shows a very negative growth in Revenue. The Revenue has decreased by -10.85% in the last year.
Measured over the past years, BCH shows a quite strong growth in Revenue. The Revenue has been growing by 8.04% on average per year.
EPS 1Y (TTM)-11.76%
EPS 3Y31.21%
EPS 5Y15.85%
EPS growth Q2Q11.33%
Revenue 1Y (TTM)-10.85%
Revenue growth 3Y13.41%
Revenue growth 5Y8.04%
Revenue growth Q2Q-11.54%
3.2 Future
BCH is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.84% yearly.
The Revenue is expected to grow by 2.89% on average over the next years.
EPS Next Y-18.77%
EPS Next 2Y-8.4%
EPS Next 3Y-3.77%
EPS Next 5Y-4.84%
Revenue Next Year-2.42%
Revenue Next 2Y0.97%
Revenue Next 3Y2.89%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as BCH's earnings are expected to decrease with -3.77% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.4%
EPS Next 3Y-3.77%
5. Dividend
5.1 Amount
BCH has a Yearly Dividend Yield of 7.73%, which is a nice return.
BCH's Dividend Yield is rather good when compared to the industry average which is at 3.82. BCH pays more dividend than 97.57% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, BCH pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.73% |
5.2 History
The dividend of BCH is nicely growing with an annual growth rate of 18.38%!
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)18.38%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
BCH pays out 69.71% of its income as dividend. This is not a sustainable payout ratio.
BCH's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP69.71%
EPS Next 2Y-8.4%
EPS Next 3Y-3.77%
BANCO DE CHILE-ADR
NYSE:BCH (4/26/2024, 7:04:00 PM)
After market: 22.2 0 (0%)22.2
+0.06 (+0.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap11.21B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.73% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.23% | ||
| ROE | 23.75% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 36.65% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.61 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-11.76%
EPS 3Y31.21%
EPS 5Y
EPS growth Q2Q
EPS Next Y-18.77%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-10.85%
Revenue growth 3Y13.41%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y