Banco de Chile (BCH) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Banco de Chile (BCH) stock price & volume — 10-year historical chart
Banco de Chile (BCH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Banco de Chile (BCH) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 3, 2026 | $0.58vs $0.60-3.3% | $862Mvs $856M+0.7% |
| Q4 2025 | Oct 30, 2025 | $0.60vs $0.62-3.2% | $681Mvs $842M-19.0% |
| Q3 2025 | Jul 31, 2025 | $0.64vs $0.63+1.6% | $1.1Bvs $802M+35.0% |
| Q2 2025 | Apr 29, 2025 | $0.97vs $0.58+67.2% | $1.1Bvs $818M+29.6% |
Banco de Chile (BCH) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison
Banco de Chile (BCH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Banco de Chile (BCH) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 1.23T | 1.32T | 1.37T | 1.32T | 1.57T | 2.27T | 1.92T | 2.16T | 0 |
| NII Growth % | 0.65% | 6.99% | 3.81% | -3.97% | 19.53% | 43.97% | -15.24% | 12.6% | -100% |
| Net Interest Margin % | 3.79% | 3.71% | 3.34% | 2.89% | 3.06% | 4.11% | 3.45% | 4.15% | 0% |
| Interest Income | 1.89T | 2T | 2.11T | 1.88T | 2.39T | 4.47T | 4.04T | 3.77T | 0 |
| Interest Expense | 652B | 679.64B | 742.27B | 560.01B | 814.45B | 2.2T | 2.12T | 1.61T | 0 |
| Loan Loss Provision | 221.25B | 249.77B | 331.6B | 551.76B | 18.17B | 404.12B | 204.7B | 351.7B | 0 |
| Non-Interest Income | 447.58B | 500.89B | 619.36B | 610.32B | 640.85B | 845.17B | 1.05T | 876.9B | 2.64T |
| Non-Interest Income % | 19.17% | 20.02% | 22.66% | 24.54% | 21.15% | 15.91% | 20.6% | 18.87% | 100% |
| Total Revenue | 2.33T▲ 0% | 2.5T▲ 7.2% | 2.73T▲ 9.3% | 2.49T▼ 9.0% | 3.03T▲ 21.8% | 5.31T▲ 75.4% | 5.09T▼ 4.1% | 4.65T▼ 8.8% | 2.64T▼ 43.1% |
| Revenue Growth % | -2.86% | 7.16% | 9.25% | -8.99% | 21.8% | 75.35% | -4.11% | -8.75% | -43.11% |
| Non-Interest Expense | 773.58B | 808.7B | 881.63B | 870.51B | 864.42B | 972.17B | 1.07T | 1.11T | 0 |
| Efficiency Ratio | 33.14% | 32.33% | 32.26% | 35% | 28.54% | 18.3% | 20.99% | 23.79% | 0% |
| Operating Income | 687.44B▲ 0% | 763.4B▲ 11.0% | 777.41B▲ 1.8% | 504.85B▼ 35.1% | 1.33T▲ 163.9% | 1.74T▲ 30.2% | 1.7T▼ 2.2% | 1.58T▼ 6.7% | 2.64T▲ 67.1% |
| Operating Margin % | 29.45% | 30.52% | 28.45% | 20.3% | 43.98% | 32.66% | 33.3% | 34.04% | 100% |
| Operating Income Growth % | 1.8% | 11.05% | 1.83% | -35.06% | 163.9% | 30.23% | -2.24% | -6.72% | 67.13% |
| Pretax Income | 687.44B▲ 0% | 763.4B▲ 11.0% | 777.41B▲ 1.8% | 504.85B▼ 35.1% | 1.33T▲ 163.9% | 1.74T▲ 30.2% | 1.7T▼ 2.2% | 1.58T▼ 6.7% | 1.51T▼ 4.4% |
| Pretax Margin % | 29.45% | 30.52% | 28.45% | 20.3% | 43.98% | 32.66% | 33.3% | 34.04% | 57.23% |
| Income Tax | 115.36B | 159.77B | 173.66B | 103.22B | 275.97B | 289.21B | 322.11B | 333.6B | 320.92B |
| Effective Tax Rate % | 16.78% | 20.93% | 22.34% | 20.45% | 20.71% | 16.67% | 18.99% | 21.09% | 21.21% |
| Net Income | 572.08B▲ 0% | 603.63B▲ 5.5% | 603.74B▲ 0.0% | 401.63B▼ 33.5% | 1.06T▲ 163.0% | 1.45T▲ 36.9% | 1.37T▼ 5.0% | 1.25T▼ 9.1% | 1.19T▼ 4.5% |
| Net Margin % | 24.51% | 24.13% | 22.09% | 16.15% | 34.87% | 27.22% | 26.97% | 26.86% | 45.09% |
| Net Income Growth % | -0.52% | 5.52% | 0.02% | -33.48% | 163.01% | 36.87% | -4.96% | -9.14% | -4.5% |
| Net Income (Continuing) | 572.08B | 603.63B | 603.75B | 401.63B | 1.06T | 1.45T | 1.37T | 1.25T | 1.19T |
| EPS (Diluted) | 1132.00▲ 0% | 1178.00▲ 4.1% | 1174.00▼ 0.3% | 796.00▼ 32.2% | 1570.00▲ 97.2% | 2862.00▲ 82.3% | 2720.00▼ 5.0% | 2390.00▼ 12.1% | 2360.00▼ 1.3% |
| EPS Growth % | 5.01% | 4.06% | -0.34% | -32.2% | 97.24% | 82.29% | -4.96% | -12.13% | -1.26% |
| EPS (Basic) | 1132.00 | 1178.00 | 1174.00 | 796.00 | 1570.00 | 2862.00 | 2720.00 | 2390.00 | 2360.00 |
| Diluted Shares Outstanding | 505.09M | 505.09M | 505.09M | 505.09M | 505.09M | 505.09M | 505.09M | 505.09M | 505.09M |
Banco de Chile (BCH) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 3.01T | 2.56T | 4.57T | 4.02T | 7.1T | 7.51T | 6.78T | 5.14T | 0 |
| Cash & Due from Banks | 1.49T | 1.51T | 3.2T | 2.96T | 4.04T | 3.54T | 4.98T | 3.07T | 2.59T |
| Short Term Investments | 1.53T | 1.05T | 1.37T | 1.07T | 3.06T | 3.97T | 1.8T | 2.07T | 0 |
| Total Investments | 28.61T | 31.45T | 33.12T | 35.23T | 40.48T | 44.24T | 39.27T | 44.47T | 0 |
| Investments Growth % | 4.45% | 9.93% | 5.34% | 6.35% | 14.92% | 9.28% | -11.24% | 13.26% | -100% |
| Long-Term Investments | 27.08T | 30.39T | 31.76T | 34.16T | 37.42T | 40.27T | 37.47T | 42.41T | 0 |
| Accounts Receivables | 3.35B | 4.82B | 0 | 64.03B | 95.55B | 131.61B | 99.42B | 195.36B | 0 |
| Goodwill & Intangibles | 72.45B | 85.47B | 91.72B | 94.11B | 105.94B | 140.03B | 170.61B | 191.97B | 174.58B |
| Goodwill | 16.71B | 16.71B | 16.71B | 16.71B | 16.71B | 16.71B | 16.71B | 16.71B | 0 |
| Intangible Assets | 55.74B | 68.76B | 75B | 77.4B | 89.23B | 123.32B | 153.9B | 175.25B | 174.58B |
| PP&E (Net) | 344.24B | 317.72B | 510.32B | 422.38B | 416.97B | 399.97B | 468.53B | 448.55B | 258.66B |
| Other Assets | 1.72T | 1.95T | 2.13T | 4.88T | 4.28T | 4.1T | 7.89T | 591.77B | 53.67T |
| Total Current Assets | 3.18T | 2.68T | 6.29T | 5.7T | 8.92T | 9.83T | 9.4T | 8.09T | 9.74T |
| Total Non-Current Assets | 29.38T | 32.92T | 34.72T | 39.85T | 42.5T | 45.28T | 46.32T | 43.96T | 54.1T |
| Total Assets | 32.56T▲ 0% | 35.6T▲ 9.3% | 41.01T▲ 15.2% | 45.55T▲ 11.1% | 51.43T▲ 12.9% | 55.11T▲ 7.2% | 55.72T▲ 1.1% | 52.06T▼ 6.6% | 54.1T▲ 3.9% |
| Asset Growth % | 3.84% | 9.34% | 15.2% | 11.06% | 12.9% | 7.16% | 1.11% | -6.57% | 3.93% |
| Return on Assets (ROA) | 1.79% | 1.77% | 1.58% | 0.93% | 2.18% | 2.71% | 2.48% | 2.32% | 2.25% |
| Accounts Payable | 190.15B | 176.83B | 231.47B | 273.14B | 322.22B | 379.54B | 336.94B | 420.26B | 0 |
| Total Debt | 7.88T | 9.3T | 10.83T | 9.56T | 9.27T | 10.62T | 11.67T | 12.06T | 14T |
| Net Debt | 6.39T | 7.79T | 7.63T | 6.6T | 5.23T | 7.09T | 6.69T | 8.99T | -1.5T |
| Long-Term Debt | 7.68T | 8.99T | 10.38T | 9.15T | 9.07T | 10.32T | 11.41T | 11.86T | 10.38T |
| Short-Term Debt | 195.39B | 303.82B | 308.73B | 288.92B | 95.01B | 216.26B | 158.62B | 110.64B | 3.58T |
| Other Liabilities | 1.96T | 2.21T | 3.74T | 7.58T | 9.27T | 10.72T | 8.42T | 4.09T | 36.2T |
| Total Current Liabilities | 19.37T | 20.72T | 22.72T | 24.63T | 28.1T | 28.55T | 29.73T | 29.53T | 22T |
| Total Non-Current Liabilities | 9.65T | 11.21T | 14.39T | 16.93T | 18.51T | 21.12T | 19.91T | 16.02T | 48.3T |
| Total Liabilities | 29.02T | 31.93T | 37.11T | 41.55T | 46.61T | 49.68T | 49.64T | 45.55T | 48.3T |
| Total Equity | 3.55T▲ 0% | 3.67T▲ 3.6% | 3.91T▲ 6.3% | 4T▲ 2.3% | 4.82T▲ 20.6% | 5.43T▲ 12.7% | 6.08T▲ 12.0% | 6.5T▲ 7.0% | 5.8T▼ 10.8% |
| Equity Growth % | 7.19% | 3.62% | 6.32% | 2.34% | 20.56% | 12.71% | 11.98% | 6.95% | -10.84% |
| Equity / Assets (Capital Ratio) | 10.89% | 10.32% | 9.52% | 8.77% | 9.37% | 9.86% | 10.92% | 12.5% | 10.72% |
| Return on Equity (ROE) | 16.7% | 16.72% | 15.93% | 10.16% | 23.96% | 28.21% | 23.87% | 19.84% | 19.38% |
| Book Value per Share | 7019.30 | 7273.46 | 7732.87 | 7913.67 | 9540.91 | 10753.50 | 12041.42 | 12878.80 | 11482.29 |
| Tangible BV per Share | 6875.85 | 7104.23 | 7551.29 | 7727.35 | 9331.15 | 10476.26 | 11703.63 | 12498.74 | 11136.65 |
| Common Stock | 2.27T | 2.42T | 2.42T | 2.42T | 2.42T | 2.42T | 2.42T | 2.42T | 2.42T |
| Additional Paid-in Capital | 2.27T | 2.42T | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 637.07B | 601.64B | 754.46B | 794.82B | 1.69T | 2.33T | 2.8T | 3.11T | 2.68T |
| Accumulated OCI | -1.63T | -1.77T | 732.47B | 783.43B | 707.8B | 679.94B | 859.71B | 980.51B | 701.9B |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Banco de Chile (BCH) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 872.56B | -1.33T | 1.39T | -2.47T | 3.01T | 128.61B | 1.73T | 396.64B | 458.87B |
| Operating CF Growth % | 436.83% | -252.97% | 204.06% | -278% | 221.57% | -95.72% | 1241.86% | -77.02% | 15.69% |
| Net Income | 572.08B | 603.63B | 603.75B | 401.63B | 1.06T | 1.45T | 1.37T | 1.25T | 1.19T |
| Depreciation & Amortization | 37.54B | 37.68B | 70.54B | 73.36B | 76.8B | 84.2B | 92.31B | 94.6B | 0 |
| Deferred Taxes | 14.31B | 11.44B | -58.73B | -58.9B | 20.16B | -91B | 44.55B | 0 | 0 |
| Other Non-Cash Items | 262.74B | 362.75B | 557.31B | 937.23B | -381.47B | -288.34B | 409.62B | 2.87T | -1.01T |
| Working Capital Changes | -14.11B | -2.35T | 216.1B | -3.83T | 2.23T | -1.02T | -194.72B | -3.82T | 272.5B |
| Cash from Investing | -1.18T | 416.53B | -396.74B | 210.31B | -2.99T | -847.82B | -346.5B | -58.34B | -1.83T |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Acquisitions | 0 | 0 | -671M | 0 | -7.85B | 0 | 0 | 0 | 0 |
| Other Investing | -1.16T | 444.6B | -350.83B | 239.62B | -2.94T | -826.58B | -319.76B | -41.12B | -1.83T |
| Cash from Financing | 132.66B | 644.97B | 802.44B | 1.46T | 1.38T | -161.8B | -1.56T | -1.56T | 2.24T |
| Dividends Paid | -342.03B | -374.08B | -356.31B | -350.54B | -220.27B | -539.83B | -866.93B | -815.93B | -946.48B |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K |
| Other Financing | 109.61B | -8.75B | 42.66B | 2.16T | 1.28T | 94.13B | -47.13B | -346.63B | 22B |
| Net Change in Cash | -216.81B▲ 0% | -157.12B▲ 27.5% | 1.83T▲ 1264.1% | -834.84B▼ 145.6% | 1.72T▲ 306.0% | -843B▼ 149.0% | -161.1B▲ 80.9% | -1.05T▼ 554.6% | -4.49T▼ 325.7% |
| Exchange Rate Effect | -1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | -1000K |
| Cash at Beginning | 1.66T | 1.44T | 1.28T | 3.11T | 2.28T | 4T | 3.15T | 5.54T | 4.49T |
| Cash at End | 1.44T | 1.28T | 3.11T | 2.28T | 4T | 3.15T | 2.99T | 4.49T | 0 |
| Interest Paid | 753.38B | 400.69B | 460.12B | 505.56B | 262.89B | 1.34T | 1.43T | 1.57T | 0 |
| Income Taxes Paid | 0 | 0 | 6.51B | 70.69B | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 830.56B▲ 0% | -1.39T▼ 266.9% | 1.32T▲ 195.4% | -2.52T▼ 290.5% | 2.94T▲ 216.6% | 50.49B▼ 98.3% | 1.64T▲ 3146.6% | 379.42B▼ 76.9% | 441.09B▲ 16.3% |
| FCF Growth % | 572.67% | -266.91% | 195.42% | -290.53% | 216.65% | -98.28% | 3146.62% | -76.85% | 16.25% |
Banco de Chile (BCH) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 17.74% | 16.7% | 16.72% | 15.93% | 10.16% | 23.96% | 28.21% | 23.87% | 19.84% | 19.38% |
| Return on Assets (ROA) | 1.84% | 1.79% | 1.77% | 1.58% | 0.93% | 2.18% | 2.71% | 2.48% | 2.32% | 2.25% |
| Net Interest Margin | 3.91% | 3.79% | 3.71% | 3.34% | 2.89% | 3.06% | 4.11% | 3.45% | 4.15% | 0% |
| Efficiency Ratio | 32.39% | 33.14% | 32.33% | 32.26% | 35% | 28.54% | 18.3% | 20.99% | 23.79% | 0% |
| Equity / Assets | 10.55% | 10.89% | 10.32% | 9.52% | 8.77% | 9.37% | 9.86% | 10.92% | 12.5% | 10.72% |
| Book Value / Share | 6.46K | 7.02K | 7.27K | 7.73K | 7.91K | 9.54K | 10.75K | 12.04K | 12.88K | 11.48K |
| NII Growth | -0.13% | 0.65% | 6.99% | 3.81% | -3.97% | 19.53% | 43.97% | -15.24% | 12.6% | -100% |
| Dividend Payout | 63.76% | 59.79% | 61.97% | 59.02% | 87.28% | 20.85% | 37.34% | 63.09% | 65.35% | 79.39% |
Banco de Chile (BCH) stock FAQ — growth, dividends, profitability & financials explained
Banco de Chile (BCH) saw revenue decline by 43.1% over the past year.
Yes, Banco de Chile (BCH) is profitable, generating $1.19T in net income for fiscal year 2025 (45.1% net margin).
Yes, Banco de Chile (BCH) pays a dividend with a yield of 5.49%. This makes it attractive for income-focused investors.
Banco de Chile (BCH) has a return on equity (ROE) of 19.4%. This is reasonable for most industries.
Banco de Chile (BCH) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.
Banco de Chile (BCH) has an efficiency ratio of 0.0%. This is excellent, indicating strong cost control.
Banco de Chile (BCH) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates