Banco de Chile (BCH) Financial Ratios
26 years of historical data (2000–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
19.42
↑+364% vs avg
5yr avg: 4.18
30Y Low3.7·High18.3
P/FCF
↑
37.39
↑+63959% vs avg
5yr avg: 0.06
30Y Low0.0·High0.2
P/B Ratio
↑
2.84
↑+134405% vs avg
5yr avg: 0.00
30Y Low0.0·High0.0
ROE
↓
19.4%
-16% vs avg
5yr avg: 23.1%
30Y Low10%·High28%
Debt/EBITDA
↑
9.75
↑+36% vs avg
5yr avg: 7.18
30Y Low5.8·High27.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BCH Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Banco de Chile trades at 13.8x earnings, 134585% above its 5-year average of 0.0x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a premium of 5%. On a free-cash-flow basis, the stock trades at 37.4x P/FCF, 63959% above the 5-year average of 0.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $18.4B | $19.2B | $11.5B | $11.7B | $10.5B | $7.9B | $10.3B | $10.6B | $14.4B | $15.9B | $11.5B |
| Enterprise Value | $31.1B | $-1484699754610 | $9.00T | $6.70T | $7.10T | $5.23T | $6.61T | $7.64T | $7.80T | $6.41T | $5.65T |
| P/E Ratio → | 13.83 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.03 | 0.02 | 0.02 | 0.03 | 0.02 |
| P/S Ratio | 6.24 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 |
| P/B Ratio | 2.84 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/FCF | 37.39 | 0.04 | 0.03 | 0.01 | 0.21 | 0.00 | — | 0.01 | — | 0.02 | 0.09 |
| P/OCF | 35.94 | 0.04 | 0.03 | 0.01 | 0.08 | 0.00 | — | 0.01 | — | 0.02 | 0.07 |
P/E links to full P/E history page with 30-year chart
BCH EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Banco de Chile's enterprise value stands at 19.4x EBITDA, 364% above its 5-year average of 4.2x. The Financial Services sector median is 11.5x, placing the stock at a 69% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.56 | 1.94 | 1.32 | 1.34 | 1.73 | 2.66 | 2.80 | 3.12 | 2.75 | 2.35 |
| EV / EBITDA | 19.42 | -1.03 | 5.37 | 3.75 | 3.90 | 3.71 | 11.43 | 9.01 | 9.74 | 8.84 | 7.95 |
| EV / EBIT | 10.55 | -1.03 | 5.69 | 3.95 | 4.09 | 3.93 | 13.09 | 9.83 | 10.22 | 9.32 | 8.37 |
| EV / FCF | — | -3.37 | 23.73 | 4.09 | 140.56 | 1.78 | — | 5.78 | — | 7.71 | 45.78 |
BCH Profitability
Margins and return-on-capital ratios measuring operating efficiency
Banco de Chile earns an operating margin of 100.0%, significantly above the Financial Services sector average of 21.6%. Operating margins have expanded from 33.3% to 100.0% over the past 3 years, signaling improving operational efficiency. ROE of 19.4% indicates solid capital efficiency, compared to the sector median of 9.4%. ROIC of 10.3% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.0% | 100.0% | 57.8% | 54.3% | 51.0% | 72.5% | 55.3% | 60.7% | 62.8% | 62.6% | 60.5% |
| Operating Margin | 100.0% | 100.0% | 34.0% | 33.3% | 32.7% | 44.0% | 20.3% | 28.4% | 30.5% | 29.4% | 28.1% |
| Net Profit Margin | 45.1% | 45.1% | 26.9% | 27.0% | 27.2% | 34.9% | 16.1% | 22.1% | 24.1% | 24.5% | 23.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.4% | 19.4% | 19.8% | 23.9% | 28.2% | 24.0% | 10.2% | 15.9% | 16.7% | 16.7% | 17.7% |
| ROA | 2.2% | 2.2% | 2.3% | 2.5% | 2.7% | 2.2% | 0.9% | 1.6% | 1.8% | 1.8% | 1.8% |
| ROIC | 10.3% | 10.3% | 6.5% | 7.5% | 8.6% | 7.2% | 2.7% | 4.2% | 4.7% | 4.7% | 4.7% |
| ROCE | 9.7% | 9.7% | 6.5% | 6.5% | 7.0% | 6.0% | 2.6% | 4.7% | 5.4% | 5.4% | 5.5% |
BCH Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Banco de Chile carries a Debt/EBITDA ratio of 9.7x, which is highly leveraged (135% above the sector average of 4.1x). The company holds a net cash position — cash of $2.6T exceeds total debt of $14.0T, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.41 | 2.41 | 1.85 | 1.92 | 1.96 | 1.92 | 2.39 | 2.77 | 2.53 | 2.22 | 2.25 |
| Debt / EBITDA | 9.75 | 9.75 | 7.19 | 6.53 | 5.84 | 6.58 | 16.53 | 12.77 | 11.60 | 10.87 | 10.46 |
| Net Debt / Equity | — | -0.26 | 1.38 | 1.10 | 1.30 | 1.08 | 1.65 | 1.95 | 2.12 | 1.80 | 1.71 |
| Net Debt / EBITDA | -1.05 | -1.05 | 5.36 | 3.74 | 3.89 | 3.71 | 11.42 | 9.00 | 9.72 | 8.82 | 7.94 |
| Debt / FCF | — | -3.41 | 23.70 | 4.08 | 140.35 | 1.78 | — | 5.77 | — | 7.70 | 45.69 |
| Interest Coverage | — | — | 0.98 | 0.80 | 0.79 | 1.64 | 0.90 | 1.05 | 1.12 | 1.05 | 0.98 |
Net cash position: cash ($2.59T) exceeds total debt ($14.00T)
BCH Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.44x is below 1.0, meaning current liabilities exceed current assets — though the company's $2.6T cash position helps mitigate short-term liquidity concerns. The current ratio has improved from 0.32x to 0.44x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.44 | 0.44 | 0.27 | 0.32 | 0.34 | 0.32 | 0.23 | 0.28 | 0.13 | 0.16 | 0.12 |
| Quick Ratio | 0.44 | 0.44 | 0.27 | 0.32 | 0.34 | 0.32 | 0.23 | 0.28 | 0.13 | 0.16 | 0.12 |
| Cash Ratio | 0.12 | 0.12 | 0.10 | 0.17 | 0.12 | 0.14 | 0.12 | 0.14 | 0.07 | 0.08 | 0.09 |
| Asset Turnover | — | 0.05 | 0.09 | 0.09 | 0.10 | 0.06 | 0.05 | 0.07 | 0.07 | 0.07 | 0.08 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BCH Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Banco de Chile returns 5.7% to shareholders annually primarily through dividends. The payout ratio of 79.4% is elevated — while still covered by earnings, there is limited headroom for dividend increases. The earnings yield of 7.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 5.7% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Payout Ratio | 79.4% | 79.4% | 65.4% | 63.1% | 37.3% | 20.9% | 87.3% | 59.0% | 62.0% | 59.8% | 63.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.2% | 6210.5% | 10537.9% | 11785.1% | 13746.4% | 9993.6% | 3905.8% | 5593.1% | 4118.9% | 3597.1% | 4819.0% |
| FCF Yield | 2.7% | 2298.1% | 3312.1% | 14060.5% | 480.1% | 37049.5% | — | 12477.3% | — | 5225.3% | 1077.4% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 5.7% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Shares Outstanding | — | $505M | $505M | $505M | $505M | $505M | $505M | $505M | $505M | $505M | $512M |
Peer Comparison
Compare BCH with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BCHYou | $18B | 13.8 | 19.4 | 37.4 | 100.0% | 100.0% | 19.4% | 10.3% | 9.7 |
 BSAC | $14B | 0.0 | 17.0 | 20.6 | 48.8% | 26.7% | 18.4% | 4.5% | 11.5 |
 BBD | $40B | 8.5 | — | — | 34.6% | -1.1% | 13.3% | -0.3% | — |
 ITUB | $90B | 10.3 | 20.6 | 3.5 | 34.5% | 13.1% | 20.6% | 3.2% | 17.6 |
 BBAR | $3B | 12.3 | 3.6 | — | 65.9% | 8.5% | 12.7% | 10.7% | 0.7 |
 BMA | $5B | 20.4 | 8.5 | 8.2 | 68.3% | 5.6% | 7.7% | 5.5% | 0.9 |
 GGAL | $6B | 5.1 | 2.6 | — | 62.7% | 20.8% | 40.2% | 31.0% | 0.9 |
 SAN | $179B | 11.9 | 21.5 | — | 40.0% | 15.6% | 12.8% | 2.3% | 22.7 |
 BBVA | $123B | 11.0 | 5.2 | 7.4 | 83.6% | 43.9% | 17.3% | 7.0% | 4.6 |
 BAP | $26B | 16.1 | 9.2 | 6.6 | 64.2% | 29.0% | 16.2% | 8.2% | 4.4 |
 CIB | $15B | 8.5 | 6.0 | 5.7 | 61.1% | 20.8% | 15.8% | 9.9% | 2.2 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 26 years · Updated daily
Full BCH Stock Analysis
Analyst consensus, bull case, AI-generated risk factors, and peer comparison — all in one place.
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Side-by-side business, growth, and profitability comparison vs Banco Santander-Chile.
Start ComparisonBCH — Frequently Asked Questions
Quick answers to the most common questions about buying BCH stock.
What is Banco de Chile's P/E ratio?
Banco de Chile's current P/E ratio is 13.8x. The historical average is 0.0x. This places it at the 100th percentile of its historical range.
What is Banco de Chile's EV/EBITDA?
Banco de Chile's current EV/EBITDA is 19.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 7.5x.
What is Banco de Chile's ROE?
Banco de Chile's return on equity (ROE) is 19.4%. The historical average is 20.9%.
Is BCH stock overvalued?
Based on historical data, Banco de Chile is trading at a P/E of 13.8x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Banco de Chile's dividend yield?
Banco de Chile's current dividend yield is 5.74% with a payout ratio of 79.4%.
What are Banco de Chile's profit margins?
Banco de Chile has 100.0% gross margin and 100.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Banco de Chile have?
Banco de Chile's Debt/EBITDA ratio is 9.7x, indicating high leverage. A ratio above 4x may signal elevated financial risk.