Banco de Chile(BCH)Earnings, Financials & Key Ratios
BCH•NYSE•Banking & Credit
15.1× P/E·Price updated Jun 19, 2026
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$1746.12B-19.3%
- Total Revenue$3026.04B-34.9%
- Net Income$1192.26B-4.5%
- Return on Equity19.38%-2.3%
- Net Interest Margin3.23%-22.3%
- Efficiency Ratio37.4%+57.2%
- ROA2.25%-3.0%
- Equity / Assets10.72%-14.2%
- Book Value per Share11479.78-10.9%
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%
- ✓Efficient operations: 37.4% efficiency ratio
- ✓Well capitalized: 10.7% equity/assets
- ✓Healthy dividend yield of 5.2%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Get notified when BCH posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
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 Years2.61%
5 Years4%
3 Years-17.1%
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-1.26%
Return on Capital
10 Years5.51%
5 Years6.3%
3 Years6.17%
Last Year5.54%
BCH Recent Earnings
Banco de Chile (BCH) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 4/12 qtrs (40%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$0.60+3.4%
$0.58
Rev
$825M-0.8%
$832M
Q1 2026
Feb 3, 2026Metric
Actual
Est
EPS
$0.58-3.3%
$0.60
Rev
$833M-2.7%
$856M
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.60-3.2%
$0.62
Rev
$681M-19.0%
$842M
Q3 2025
Jul 31, 2025Metric
Actual
Est
EPS
$0.64+1.6%
$0.63
Rev
$1.1B+35.0%
$802M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.60vs $0.58+3.4% | $825Mvs $832M-0.8% |
| Q1 2026 | Feb 3, 2026 | $0.58vs $0.60-3.3% | $833Mvs $856M-2.7% |
| 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% |
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
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 BSAC | 15.38B | 32.64 | 0.03 | -4.96% | 26.96% | 21.52% | 2.77 | |
 BBD | 35.54B | 3.36 | 7.86 | 37.11% | 6.78% | 13.25% | 4.46 | |
 ITUB | 85.86B | 7.79 | 10.15 | 18.03% | 11.66% | 20.64% | 4.71 | |
 BBAR | 4.47B | 21.90 | 20.45 | 8.34% | 5.54% | 9.84% | 0.55 | |
 BMA | 6.5B | 101.68 | 27.74 | -10.04% | 7.8% | 0.03% | 0.29 | |
 GGAL | 9.05B | 56.37 | 57.12 | 27.51% | 1.36% | 2.69% | 0.47 | |
 SAN | 198.16B | 13.50 | 13.48 | -7.71% | 18.79% | 12.76% | 4.40 | |
 BBVA | 137.49B | 24.48 | 12.59 | 4.08% | 22.98% | 17.25% | 1.32 |
Compare BCH vs Peers
Banco de Chile (BCH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BCH Income Statement
Banco de Chile (BCH) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | 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 | 1.75T |
NII Growth % | 0.65% | 6.99% | 3.81% | -3.97% | 19.53% | 43.97% | -15.24% | 12.6% | -19.26% |
Net Interest Margin % | 3.79% | 3.71% | 3.34% | 2.89% | 3.06% | 4.11% | 3.45% | 4.15% | 3.23% |
Interest Income | 1.89T | 2T | 2.11T | 1.88T | 2.39T | 4.47T | 4.04T | 3.77T | 2.72T |
Interest Expense | 652B | 679.64B | 742.27B | 560.01B | 814.45B | 2.2T | 2.12T | 1.61T | 969.64B |
Loan Loss Provision | 221.25B | 249.77B | 331.6B | 551.76B | 18.17B | 404.12B | 204.7B | 351.7B | -587.72B |
Non-Interest Income | 447.58B | 500.89B | 619.36B | 610.32B | 640.85B | 845.17B | 1.05T | 876.9B | 310.29B |
Non-Interest Income % | 19.17% | 20.02% | 22.66% | 24.54% | 21.15% | 15.91% | 20.6% | 18.87% | 10.25% |
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% | 3.03T▼ 34.9% |
Revenue Growth % | -2.86% | 7.16% | 9.25% | -8.99% | 21.8% | 75.35% | -4.11% | -8.75% | -34.9% |
Non-Interest Expense | 773.58B | 808.7B | 881.63B | 870.51B | 864.42B | 972.17B | 1.07T | 1.11T | 1.13T |
Efficiency Ratio | 33.14% | 32.33% | 32.26% | 35% | 28.54% | 18.3% | 20.99% | 23.79% | 37.4% |
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% | 1.51T▼ 4.4% |
Operating Margin % | 29.45% | 30.52% | 28.45% | 20.3% | 43.98% | 32.66% | 33.3% | 34.04% | 49.98% |
Operating Income Growth % | 1.8% | 11.05% | 1.83% | -35.06% | 163.9% | 30.23% | -2.24% | -6.72% | -4.41% |
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% | 49.98% |
Income Tax | 115.36B | 159.77B | 173.66B | 103.22B | 275.97B | 289.21B | 322.11B | 333.6B | 320.12B |
Effective Tax Rate % | 16.78% | 20.93% | 22.34% | 20.45% | 20.71% | 16.67% | 18.99% | 21.09% | 21.17% |
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% | 39.4% |
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 | 505.2M |
BCH Balance Sheet
Banco de Chile (BCH) balance sheet — assets, liabilities & shareholders' equity
| Metric | 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 | 8.08T |
Cash & Due from Banks | 1.49T | 1.51T | 3.2T | 2.96T | 4.04T | 3.54T | 4.98T | 3.07T | 1.66T |
Short Term Investments | 1.53T | 1.05T | 1.37T | 1.07T | 3.06T | 3.97T | 1.8T | 2.07T | 5.41T |
Total Investments | 28.61T | 31.45T | 33.12T | 35.23T | 40.48T | 44.24T | 39.27T | 44.47T | 49T |
Investments Growth % | 4.45% | 9.93% | 5.34% | 6.35% | 14.92% | 9.28% | -11.24% | 13.26% | 10.19% |
Long-Term Investments | 27.08T | 30.39T | 31.76T | 34.16T | 37.42T | 40.27T | 37.47T | 42.41T | 43.59T |
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 | 2.15T |
Total Current Assets | 3.18T | 2.68T | 6.29T | 5.7T | 8.92T | 9.83T | 9.4T | 8.09T | 8.08T |
Total Non-Current Assets | 29.38T | 32.92T | 34.72T | 39.85T | 42.5T | 45.28T | 46.32T | 43.96T | 46.18T |
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 | 11.38T |
Net Debt | 6.39T | 7.79T | 7.63T | 6.6T | 5.23T | 7.09T | 6.69T | 8.99T | 9.73T |
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 | 15.87T |
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 | 26.3T |
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 | 11479.78 |
Tangible BV per Share | 6875.85 | 7104.23 | 7551.29 | 7727.35 | 9331.15 | 10476.26 | 11703.63 | 12498.74 | 11134.21 |
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 |
BCH Cash Flow Statement
Banco de Chile (BCH) cash flow — operating, investing & free cash flow history
| Metric | 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 | -38.37B | 116.12B | 34.3B | -34.37B | 324.96B | 38.01B | 15.64B | 164.74B | -865.93B |
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% |
BCH Banking Ratios
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% | 3.23% |
Efficiency Ratio | 32.39% | 33.14% | 32.33% | 32.26% | 35% | 28.54% | 18.3% | 20.99% | 23.79% | 37.4% |
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% | -19.26% |
Dividend Payout | 63.76% | 59.79% | 61.97% | 59.02% | 87.28% | 20.85% | 37.34% | 63.09% | 65.35% | 79.39% |
Related:BCH Dividend History·BCH Revenue History·BCH Price History·BCH P/E History·BCH Financial Ratios·BCH Institutional Holders
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 34.9% over the past year.
Yes, Banco de Chile (BCH) is profitable, generating $1.19T in net income for fiscal year 2025 (39.4% net margin).
Dividend & Returns
Yes, Banco de Chile (BCH) pays a dividend with a yield of 5.25%. 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 3.2%. This indicates healthy earnings from lending activities.
Banco de Chile (BCH) has an efficiency ratio of 37.4%. This is excellent, indicating strong cost control.