We assign a fundamental rating of 3 out of 10 to BCH. BCH was compared to 383 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 does not seem to be growing, but still is valued expensively.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.

1.2 Ratios

With an excellent Return On Assets value of 2.21%, BCH belongs to the best of the industry, outperforming 97.39% of the companies in the same industry.
BCH has a better Return On Equity (21.56%) than 98.69% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.21%
ROE	21.56%
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

1.3 Margins

With an excellent Profit Margin value of 35.66%, BCH belongs to the best of the industry, outperforming 92.43% of the companies in the same industry.
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 Rank	Sector Rank
OM	N/A
PM (TTM)	35.66%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

Compared to 1 year ago, BCH has about the same amount of shares outstanding.
Compared to 5 years ago, BCH has about the same amount of shares outstanding.
The debt/assets ratio for BCH has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of BCH is 9.32, which is on the high side as it means it would take BCH, 9.32 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BCH (9.32) is worse than 77.81% of its industry peers.
BCH has a Debt/Equity ratio of 1.91. This is a high value indicating a heavy dependency on external financing.
BCH has a worse Debt to Equity ratio (1.91) than 88.25% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.91
Debt/FCF	9.32
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

BCH shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.46%.
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 decrease in Revenue. The Revenue has decreased by -3.78% in the last year.
Measured over the past years, BCH shows a small growth in Revenue. The Revenue has been growing by 7.69% on average per year.

EPS 1Y (TTM)-5.46%

EPS 3Y15.04%

EPS 5Y15.28%

EPS Q2Q%1.75%

Revenue 1Y (TTM)-3.78%

Revenue growth 3Y7.8%

Revenue growth 5Y7.69%

Sales Q2Q%0.24%

3.2 Future

BCH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.96% yearly.
Based on estimates for the next years, BCH will show a small growth in Revenue. The Revenue will grow by 3.52% on average per year.

EPS Next Y2.92%

EPS Next 2Y3.66%

EPS Next 3Y4.92%

EPS Next 5Y1.96%

Revenue Next Year0.21%

Revenue Next 2Y3.23%

Revenue Next 3Y4.31%

Revenue Next 5Y3.52%

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.

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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

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y3.66%

EPS Next 3Y4.92%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.27%, BCH is a good candidate for dividend investing.
BCH's Dividend Yield is rather good when compared to the industry average which is at 2.70. BCH pays more dividend than 91.91% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.82, BCH pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.27%

5.2 History

On average, the dividend of BCH grows each year by 18.02%, which is quite nice.
BCH has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)18.02%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

BCH pays out 81.27% of its income as dividend. This is not a sustainable payout ratio.
BCH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP81.27%

EPS Next 2Y3.66%

EPS Next 3Y4.92%

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BANCO DE CHILE-ADR / BCH FAQ

What is the ChartMill fundamental rating of BANCO DE CHILE-ADR (BCH) stock?

ChartMill assigns a fundamental rating of 3 / 10 to BCH.

What is the valuation status for BCH stock?

ChartMill assigns a valuation rating of 0 / 10 to BANCO DE CHILE-ADR (BCH). This can be considered as Overvalued.

Can you provide the profitability details for BANCO DE CHILE-ADR?

BANCO DE CHILE-ADR (BCH) has a profitability rating of 4 / 10.

How financially healthy is BANCO DE CHILE-ADR?

The financial health rating of BANCO DE CHILE-ADR (BCH) is 1 / 10.