Banco de Chile - ADR
BCH
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+ FollowMarket Cap$19.65B
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Earnings Call Q4 2025
February 5, 2026 - AI Summary
Strong Financial Performance: Banco de Chile reported a net income of CLP 1.2 trillion for 2025, achieving a return on average assets (ROAA) of 2.2%, significantly above the industry average of 1.3%. The bank ranks #1 in net income and return on average assets compared to its peers, underscoring its robust operational efficiency despite a competitive market.
Economic Growth and Loan Performance: The bank forecasts Chile’s GDP growth to be around 2.4% in 2026, driven by strong domestic demand, particularly in investment and consumption. While total loans increased by 0.8% year-on-year, there are varied segment performances: residential mortgage loans grew by 5.3%, consumer loans by 3.9%, but commercial loans decreased by 3%, highlighting slower corporate lending and investment sentiment.
Capital Allocation and Dividends: The bank's capital position remains strong, with a CET1 ratio of 14.5% and a dividend payout ratio of 85%. This high capital ratio allows Banco de Chile to consider increasing market share in a more favorable lending environment while still returning value to shareholders through dividends.
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$45.17
16.1% upside
Current Fair Value
16.1% upsideUndervalued by 16.1% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $19.65 Billion |
|---|---|
| Enterprise Value | $12.65 Trillion |
| Dividend Yield | $2.19 (5.27%) |
| Earnings per Share | $2360 |
| Beta | 0.12 |
| Outstanding Shares | 505,085,405 |
Return
| Return on Equity | 21.60% |
|---|---|
| Return on Assets | 2.24% |
| Return on Invested Capital | 2.78% |
Valuation & Multiples
| P/E Ratio | 15.73 |
|---|---|
| PEG | 52.32 |
| Price to Sales | 0.01 |
| Price to Book Ratio | 0.0 |
| Enterprise Value to Revenue | 3.35 |
| Enterprise Value to EBIT | 8.87 |
| Enterprise Value to Net Income | 10 |
| Total Debt to Enterprise | 1.11 |
| Debt to Equity | 2.45 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
July 31, 2026
EPS Estimate
$0.65
Average shareholder expectationRevenue Estimate
$973.11 M
Average shareholder expectationNext Earnings Call
Expected Date
October 29, 2026
EPS Estimate
$0.66
Average shareholder expectationRevenue Estimate
$819.97 M
Average shareholder expectationInstitutional Put/Call Ratio
Market sentiment based on institutional option activity.
| Put/Call Ratio | 0.00000% |
|---|---|
| Total Calls | -▼ 100.00% |
| Total Puts | - |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 0.03%▼ 2.11% |
|---|---|
| Total Invested | $6.15M▼ 98.56% |
| Investors Holding | 12▼ 144.00% |
ESG Score
No data
About Banco de Chile
11,221 employees
CEO: Eduardo Ebensperger Orrego Banco de Chile is a leading financial institution based in Chile, offering a broad spectrum of banking and financial services. The company's operations are strategically divided into Retail Banking, Wholesale Banking, and Treasury and Mo...