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BCH logoBanco de Chile(BCH)Earnings, Financials & Key Ratios

BCH•NYSE•Banking & Credit
$37.68
$19.03B mkt cap·14.5× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryNon-US regional and universal banks
AboutBanco de Chile, together with its subsidiaries, provides banking and financial products and services to customers in Chile. It operates through Retail Banking, Wholesale Banking, and Treasury and Money Market segments. The company offers deposit products, such as checking accounts, current accounts, demand deposits and accounts, saving accounts, and time deposits; commercial, mortgage, consumer, working capital, syndicated, and installment loans; and credit cards. It also provides leasing, factoring, and foreign trade services; international and treasury banking services; and financial advisory services. In addition, the company offers liquidity management services, debt instruments, and derivative contracts and leases, as well as financial transaction and currency trading services; and securities brokerage, mutual funds management, wholesale customer, investment banking and management, and insurance brokerage services. As of December 31, 2021, it operated through a network of 272 branches and 1,761 ATMs. The company serves individuals, small and medium-sized companies, corporate clients, and large companies. Banco de Chile was founded in 1893 and is headquartered in Santiago, Chile.Show more
  • Net Interest Income$0-100.0%
  • Total Revenue$2644.12B-43.1%
  • Net Income$1192.26B-4.5%
  • Return on Equity19.38%-2.3%
  • Net Interest Margin0%-100.0%
  • Efficiency Ratio0%-100.0%
  • ROA2.25%-3.0%
  • Equity / Assets10.72%-14.2%
  • Book Value per Share11482.29-10.8%
  • Tangible BV/Share11136.65-10.9%
  • Debt/Equity2.41+30.2%
Analysis→Technical→

BCH Key Insights

Banco de Chile (BCH) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Excellent 3Y average ROE of 21.0%
  • ✓Strong 5Y profit CAGR of 24.3%
  • ✓Well capitalized: 10.7% equity/assets
  • ✓Healthy dividend yield of 5.5%
  • ✓Diversified revenue: 100.0% from non-interest income

✗Weaknesses

  • ✗High debt to equity ratio of 2.4x

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BCH Price & Volume

Banco de Chile (BCH) stock price & volume — 10-year historical chart

Loading chart...

BCH Growth Metrics

Banco de Chile (BCH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years1.24%
5 Years1.23%
3 Years-20.75%
TTM-

Profit CAGR

10 Years6.93%
5 Years24.31%
3 Years-6.22%
TTM-4.5%

EPS CAGR

10 Years7%
5 Years24.28%
3 Years-6.23%
TTM-1.17%

Return on Capital

10 Years5.93%
5 Years7.13%
3 Years7.55%
Last Year9.68%

BCH Recent Earnings

Banco de Chile (BCH) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 5/12 qtrs (50%)
Q1 2026Latest
Feb 3, 2026
EPS
$0.58
Est $0.60
-3.3%
Revenue
$862M
Est $856M
+0.7%
Q4 2025
Oct 30, 2025
EPS
$0.60
Est $0.62
-3.2%
Revenue
$681M
Est $842M
-19.0%
Q3 2025
Jul 31, 2025
EPS
$0.64
Est $0.63
+1.6%
Revenue
$1.1B
Est $802M
+35.0%
Q2 2025
Apr 29, 2025
EPS
$0.97
Est $0.58
+67.2%
Revenue
$1.1B
Est $818M
+29.6%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestFeb 3, 2026
$0.58vs $0.60-3.3%
$862Mvs $856M+0.7%
Q4 2025Oct 30, 2025
$0.60vs $0.62-3.2%
$681Mvs $842M-19.0%
Q3 2025Jul 31, 2025
$0.64vs $0.63+1.6%
$1.1Bvs $802M+35.0%
Q2 2025Apr 29, 2025
$0.97vs $0.58+67.2%
$1.1Bvs $818M+29.6%
Based on last 12 quarters of dataView full earnings history →

BCH Peer Comparison

Banco de Chile (BCH) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
BSAC logoBSACBanco Santander-ChileDirect Competitor14.85B31.520.03-4.96%21.52%2.77
BBD logoBBDBanco Bradesco S.A.Direct Competitor40.84B3.868.7037.11%13.25%4.46
ITUB logoITUBItaú Unibanco Holding S.A.Direct Competitor93.13B8.4510.6218.03%20.64%4.71
BBAR logoBBARBanco BBVA Argentina S.A.Direct Competitor3.19B15.6212.59-31.12%9.12%0.13
BMA logoBMABanco Macro S.A.Direct Competitor4.84B76.9721.07-33.31%6.12%0.11
GGAL logoGGALGrupo Financiero Galicia S.A.Direct Competitor5.76B43.445.10-23.52%12.91%0.36
SAN logoSANBanco Santander, S.A.Product Competitor182.01B12.4012.14-7.71%12.76%4.40
BBVA logoBBVABanco Bilbao Vizcaya Argentaria, S.A.Product Competitor124.46B22.1611.174.08%17.25%1.32

Compare BCH vs Peers

Banco de Chile (BCH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BSAC

Most directly comparable listed peer for BCH.

Scale Benchmark

vs V

Larger-name benchmark to compare BCH against a more recognizable public peer.

Peer Set

Compare Top 5

vs BSAC, BBD, ITUB, BBAR

BCH Income Statement

Banco de Chile (BCH) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income1.23T1.32T1.37T1.32T1.57T2.27T1.92T2.16T0
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 Income1.89T2T2.11T1.88T2.39T4.47T4.04T3.77T0
Interest Expense652B679.64B742.27B560.01B814.45B2.2T2.12T1.61T0
Loan Loss Provision221.25B249.77B331.6B551.76B18.17B404.12B204.7B351.7B0
Non-Interest Income447.58B500.89B619.36B610.32B640.85B845.17B1.05T876.9B2.64T
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 Expense773.58B808.7B881.63B870.51B864.42B972.17B1.07T1.11T0
Efficiency Ratio33.14%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 Tax115.36B159.77B173.66B103.22B275.97B289.21B322.11B333.6B320.92B
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)572.08B603.63B603.75B401.63B1.06T1.45T1.37T1.25T1.19T
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)1132.001178.001174.00796.001570.002862.002720.002390.002360.00
Diluted Shares Outstanding505.09M505.09M505.09M505.09M505.09M505.09M505.09M505.09M505.09M

BCH Balance Sheet

Banco de Chile (BCH) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments3.01T2.56T4.57T4.02T7.1T7.51T6.78T5.14T0
Cash & Due from Banks1.49T1.51T3.2T2.96T4.04T3.54T4.98T3.07T2.59T
Short Term Investments1.53T1.05T1.37T1.07T3.06T3.97T1.8T2.07T0
Total Investments28.61T31.45T33.12T35.23T40.48T44.24T39.27T44.47T0
Investments Growth %4.45%9.93%5.34%6.35%14.92%9.28%-11.24%13.26%-100%
Long-Term Investments27.08T30.39T31.76T34.16T37.42T40.27T37.47T42.41T0
Accounts Receivables3.35B4.82B064.03B95.55B131.61B99.42B195.36B0
Goodwill & Intangibles72.45B85.47B91.72B94.11B105.94B140.03B170.61B191.97B174.58B
Goodwill16.71B16.71B16.71B16.71B16.71B16.71B16.71B16.71B0
Intangible Assets55.74B68.76B75B77.4B89.23B123.32B153.9B175.25B174.58B
PP&E (Net)344.24B317.72B510.32B422.38B416.97B399.97B468.53B448.55B258.66B
Other Assets1.72T1.95T2.13T4.88T4.28T4.1T7.89T591.77B53.67T
Total Current Assets3.18T2.68T6.29T5.7T8.92T9.83T9.4T8.09T9.74T
Total Non-Current Assets29.38T32.92T34.72T39.85T42.5T45.28T46.32T43.96T54.1T
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 Payable190.15B176.83B231.47B273.14B322.22B379.54B336.94B420.26B0
Total Debt7.88T9.3T10.83T9.56T9.27T10.62T11.67T12.06T14T
Net Debt6.39T7.79T7.63T6.6T5.23T7.09T6.69T8.99T-1.5T
Long-Term Debt7.68T8.99T10.38T9.15T9.07T10.32T11.41T11.86T10.38T
Short-Term Debt195.39B303.82B308.73B288.92B95.01B216.26B158.62B110.64B3.58T
Other Liabilities1.96T2.21T3.74T7.58T9.27T10.72T8.42T4.09T36.2T
Total Current Liabilities19.37T20.72T22.72T24.63T28.1T28.55T29.73T29.53T22T
Total Non-Current Liabilities9.65T11.21T14.39T16.93T18.51T21.12T19.91T16.02T48.3T
Total Liabilities29.02T31.93T37.11T41.55T46.61T49.68T49.64T45.55T48.3T
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 Share7019.307273.467732.877913.679540.9110753.5012041.4212878.8011482.29
Tangible BV per Share6875.857104.237551.297727.359331.1510476.2611703.6312498.7411136.65
Common Stock2.27T2.42T2.42T2.42T2.42T2.42T2.42T2.42T2.42T
Additional Paid-in Capital2.27T2.42T0000000
Retained Earnings637.07B601.64B754.46B794.82B1.69T2.33T2.8T3.11T2.68T
Accumulated OCI-1.63T-1.77T732.47B783.43B707.8B679.94B859.71B980.51B701.9B
Treasury Stock000000000
Preferred Stock000000000

BCH Cash Flow Statement

Banco de Chile (BCH) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations872.56B-1.33T1.39T-2.47T3.01T128.61B1.73T396.64B458.87B
Operating CF Growth %436.83%-252.97%204.06%-278%221.57%-95.72%1241.86%-77.02%15.69%
Net Income572.08B603.63B603.75B401.63B1.06T1.45T1.37T1.25T1.19T
Depreciation & Amortization37.54B37.68B70.54B73.36B76.8B84.2B92.31B94.6B0
Deferred Taxes14.31B11.44B-58.73B-58.9B20.16B-91B44.55B00
Other Non-Cash Items262.74B362.75B557.31B937.23B-381.47B-288.34B409.62B2.87T-1.01T
Working Capital Changes-14.11B-2.35T216.1B-3.83T2.23T-1.02T-194.72B-3.82T272.5B
Cash from Investing-1.18T416.53B-396.74B210.31B-2.99T-847.82B-346.5B-58.34B-1.83T
Purchase of Investments000000000
Sale/Maturity of Investments000000000
Net Investment Activity000000000
Acquisitions00-671M0-7.85B0000
Other Investing-1.16T444.6B-350.83B239.62B-2.94T-826.58B-319.76B-41.12B-1.83T
Cash from Financing132.66B644.97B802.44B1.46T1.38T-161.8B-1.56T-1.56T2.24T
Dividends Paid-342.03B-374.08B-356.31B-350.54B-220.27B-539.83B-866.93B-815.93B-946.48B
Share Repurchases000000000
Stock Issued000000000
Net Stock Activity000000000
Debt Issuance (Net)1000K1000K1000K-1000K1000K1000K-1000K-1000K1000K
Other Financing109.61B-8.75B42.66B2.16T1.28T94.13B-47.13B-346.63B22B
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-1000K1000K1000K-1000K1000K1000K1000K1000K-1000K
Cash at Beginning1.66T1.44T1.28T3.11T2.28T4T3.15T5.54T4.49T
Cash at End1.44T1.28T3.11T2.28T4T3.15T2.99T4.49T0
Interest Paid753.38B400.69B460.12B505.56B262.89B1.34T1.43T1.57T0
Income Taxes Paid006.51B70.69B00000
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%

BCH Banking Ratios

Banco de Chile (BCH) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin3.91%3.79%3.71%3.34%2.89%3.06%4.11%3.45%4.15%0%
Efficiency Ratio32.39%33.14%32.33%32.26%35%28.54%18.3%20.99%23.79%0%
Equity / Assets10.55%10.89%10.32%9.52%8.77%9.37%9.86%10.92%12.5%10.72%
Book Value / Share6.46K7.02K7.27K7.73K7.91K9.54K10.75K12.04K12.88K11.48K
NII Growth-0.13%0.65%6.99%3.81%-3.97%19.53%43.97%-15.24%12.6%-100%
Dividend Payout63.76%59.79%61.97%59.02%87.28%20.85%37.34%63.09%65.35%79.39%

BCH Frequently Asked Questions

Banco de Chile (BCH) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More BCH

Banco de Chile (BCH) financial analysis — history, returns, DCA and operating performance tools

Full BCH Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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