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BANCO DE CHILE-ADR (BCH) Stock Fundamental Analysis

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

29.3  +0.32 (+1.1%)

After market: 29.3 0 (0%)

Fundamental Rating

3

Overall BCH gets a fundamental rating of 3 out of 10. We evaluated BCH against 394 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

Each year in the past 5 years BCH has been profitable.
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 (2.30%) than 97.71% of its industry peers.
With an excellent Return On Equity value of 22.96%, BCH belongs to the best of the industry, outperforming 98.98% of the companies in the same industry.
Industry RankSector Rank
ROA 2.3%
ROE 22.96%
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

The Profit Margin of BCH (35.20%) is better than 92.62% of its industry peers.
In the last couple of years the Profit Margin of BCH has grown nicely.
BCH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 35.2%
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

Compared to 1 year ago, BCH has about the same amount of shares outstanding.
The number of shares outstanding for BCH remains at a similar level compared to 5 years ago.
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

The Debt to FCF ratio of BCH is 8.70, which is on the high side as it means it would take BCH, 8.70 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BCH (8.70) is worse than 76.34% of its industry peers.
A Debt/Equity ratio of 1.77 is on the high side and indicates that BCH has dependencies on debt financing.
BCH has a worse Debt to Equity ratio (1.77) than 88.30% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.77
Debt/FCF 8.7
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

The earnings per share for BCH have decreased by -2.93% in the last year.
The Earnings Per Share has been growing by 15.28% on average over the past years. This is quite good.
Looking at the last year, BCH shows a small growth in Revenue. The Revenue has grown by 2.53% in the last year.
BCH shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.69% yearly.
EPS 1Y (TTM)-2.93%
EPS 3Y15.04%
EPS 5Y15.28%
EPS Q2Q%10.51%
Revenue 1Y (TTM)2.53%
Revenue growth 3Y7.8%
Revenue growth 5Y7.69%
Sales Q2Q%0.63%

3.2 Future

The Earnings Per Share is expected to grow by 2.66% on average over the next years.
Based on estimates for the next years, BCH will show a small growth in Revenue. The Revenue will grow by 4.64% on average per year.
EPS Next Y-5.05%
EPS Next 2Y-0.6%
EPS Next 3Y1.69%
EPS Next 5Y2.66%
Revenue Next Year1.41%
Revenue Next 2Y3.07%
Revenue Next 3Y4%
Revenue Next 5Y4.64%

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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
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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5. Dividend

5.1 Amount

BCH has a Yearly Dividend Yield of 7.03%, which is a nice return.
BCH's Dividend Yield is rather good when compared to the industry average which is at 3.43. BCH pays more dividend than 95.67% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, BCH pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.03%

5.2 History

On average, the dividend of BCH grows each year by 18.02%, which is quite nice.
BCH has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)18.02%
Div Incr Years0
Div Non Decr Years0
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

80.36% of the earnings are spent on dividend by BCH. 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.
DP80.36%
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 (8/15/2025, 8:06:43 PM)

After market: 29.3 0 (0%)

29.3

+0.32 (+1.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-31 2025-07-31
Earnings (Next)10-28 2025-10-28
Inst Owners29.57%
Inst Owner Change5.71%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap14.80B
Analysts49.23
Price Target28.5 (-2.73%)
Short Float %0.24%
Short Ratio1.62
Dividend
Industry RankSector Rank
Dividend Yield 7.03%
Yearly DividendN/A
Dividend Growth(5Y)18.02%
DP80.36%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-21 2025-03-21 (2.075747)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.21%
Min EPS beat(2)-9.22%
Max EPS beat(2)4.8%
EPS beat(4)2
Avg EPS beat(4)-2.11%
Min EPS beat(4)-9.22%
Max EPS beat(4)4.8%
EPS beat(8)5
Avg EPS beat(8)0.56%
EPS beat(12)7
Avg EPS beat(12)6.58%
EPS beat(16)11
Avg EPS beat(16)9.12%
Revenue beat(2)0
Avg Revenue beat(2)-2.1%
Min Revenue beat(2)-2.89%
Max Revenue beat(2)-1.32%
Revenue beat(4)0
Avg Revenue beat(4)-1.93%
Min Revenue beat(4)-2.92%
Max Revenue beat(4)-0.59%
Revenue beat(8)1
Avg Revenue beat(8)-1.84%
Revenue beat(12)4
Avg Revenue beat(12)9.56%
Revenue beat(16)8
Avg Revenue beat(16)17.04%
PT rev (1m)-5.37%
PT rev (3m)-5.67%
EPS NQ rev (1m)-1.02%
EPS NQ rev (3m)4.37%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.39%
Revenue NQ rev (3m)-0.39%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.13%
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 2.3%
ROE 22.96%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35.2%
GM N/A
FCFM 42.26%
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 1.77
Debt/FCF 8.7
Debt/EBITDA N/A
Cap/Depr 77.28%
Cap/Sales 2.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 120.08%
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)-2.93%
EPS 3Y15.04%
EPS 5Y15.28%
EPS Q2Q%10.51%
EPS Next Y-5.05%
EPS Next 2Y-0.6%
EPS Next 3Y1.69%
EPS Next 5Y2.66%
Revenue 1Y (TTM)2.53%
Revenue growth 3Y7.8%
Revenue growth 5Y7.69%
Sales Q2Q%0.63%
Revenue Next Year1.41%
Revenue Next 2Y3.07%
Revenue Next 3Y4%
Revenue Next 5Y4.64%
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 1Y217.17%
FCF growth 3Y-65.57%
FCF growth 5Y-39.3%
OCF growth 1Y181.51%
OCF growth 3Y-58.68%
OCF growth 5Y-32.64%