Financial Services · Banks - Regional
Price
$38.91
Market Cap
$19.7B
Employees
11,614
Beta
0.13
Avg Volume
402,726
CEO
Eduardo Ebensperger Orrego
Business Description
Operating across Chile, Banco de Chile (BCH) and its subsidiaries offer a wide array of banking and financial products and services to customers throughout the country. The company's operations are structured into three primary divisions: Retail Banking, Wholesale Banking, and Treasury and Money Market segments. Its product portfolio includes various deposit accounts such as checking, current, demand, savings, and time deposits. Banco de Chile also extends a range of loan products, including commercial, mortgage, consumer, working capital, syndicated, and installment loans, alongside providing credit card services. Beyond these core offerings, the bank delivers leasing, factoring, and foreign trade support, as well as international and treasury banking solutions, and financial advisory services. Furthermore, it assists clients with liquidity management, offers debt instruments, and deals in derivative contracts and leases. The institution is also involved in financial transaction and currency trading services, securities brokerage, mutual funds management, and investment banking and management for wholesale clients, in addition to insurance brokerage. As of December 31, 2021, Banco de Chile operated an extensive physical network comprising 272 branches and 1,761 automated teller machines (ATMs). The bank serves a broad spectrum of clients, from individual consumers and small and medium-sized enterprises (SMEs) to corporate entities and large companies. Founded in 1893, Banco de Chile's headquarters are located in Santiago, Chile.
Business History
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
15.87
Stock Price: $38.91
EPS (Diluted): 2,360.00
EPS (Diluted): 2,360.00
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
2.60
Stock Price: $38.91
Total Equity: $6,687.85B
Shares: 505,195,765
Total Equity: $6,687.85B
Shares: 505,195,765
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
20.02
Market Cap: $19.65B
Total Debt: $13,471.61B
Cash: $3,005.41B
EBITDA: $1,607.49B
Total Debt: $13,471.61B
Cash: $3,005.41B
EBITDA: $1,607.49B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$27.9T
Market Cap: $19.65B
Total Debt: $13,471.61B
Cash: $3,005.41B
Total Debt: $13,471.61B
Cash: $3,005.41B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
87.4%
Gross Profit: $2,644.12B
Revenue: $3,026.04B
Revenue: $3,026.04B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
50.0%
Operating Income: $1,512.38B
Revenue: $3,026.04B
Revenue: $3,026.04B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
39.4%
Net Income: $1,192.26B
Revenue: $3,026.04B
Revenue: $3,026.04B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
20.1%
Net Income: $1,192.26B
Total Equity: $6,687.85B
Total Equity: $6,687.85B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
2.0%
Operating Income: $1,512.38B
Tax Rate: 21.2%
Equity: $6,687.85B
Total Debt: $13,471.61B
Cash: $3,005.41B
Tax Rate: 21.2%
Equity: $6,687.85B
Total Debt: $13,471.61B
Cash: $3,005.41B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.24
Current Assets: $7,163.11B
Current Liabilities: $30,167.43B
Current Liabilities: $30,167.43B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
2.01
Short-Term Debt: $286.92B
Long-Term Debt: $13,184.70B
Total Debt: $13,471.61B
Total Equity: $6,687.85B
Long-Term Debt: $13,184.70B
Total Debt: $13,471.61B
Total Equity: $6,687.85B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$5,989.84
Revenue: $3,026.04B
Shares: 505,195,765
Shares: 505,195,765
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$13,238.13
Total Equity: $6,687.85B
Shares: 505,195,765
Shares: 505,195,765
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$1,482.15
Operating CF: $826.08B
CapEx: -$77.30B
Shares: 505,195,765
CapEx: -$77.30B
Shares: 505,195,765
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
5.7%
Last Dividend: N/A
Stock Price: $38.91
Stock Price: $38.91
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $1,192.26B
Net Income: $1,192.26B
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares BCH against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 21, 2026 6:40pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $3.0T | $5.3T | $5.1T | $4.6T | $3.0T |
| Cost of Revenue | $832.6B | $2.6T | $2.3T | $2.0T | $381.9B |
| Gross Profit | $2.2T | $2.7T | $2.8T | $2.7T | $2.6T |
| Operating Expenses | $864.4B | $972.2B | $1.1T | $1.1T | $1.1T |
| Operating Income | $1.3T | $1.7T | $1.7T | $1.6T | $1.5T |
| Net Income | $1.1T | $1.4T | $1.4T | $1.2T | $1.2T |
| EBITDA | $1.4T | $1.8T | $1.8T | $1.7T | $1.6T |
| EPS | $1,570.00 | $2,862.00 | $2,720.00 | $2,390.00 | $2,360.00 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 21, 2026 6:40pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $4.0T | $3.5T | $5.0T | $3.1T | $3.0T |
| Total Current Assets | $8.9T | $9.8T | $9.4T | $8.1T | $7.2T |
| Total Assets | $51.4T | $55.1T | $55.7T | $52.1T | $54.1T |
| Current Liabilities | $28.1T | $28.6T | $29.7T | $29.5T | $30.2T |
| Long-Term Debt | $9.1T | $10.3T | $11.4T | $11.9T | $13.2T |
| Total Liabilities | $46.6T | $49.7T | $49.6T | $45.6T | $47.4T |
| Total Equity | $4.8T | $5.4T | $6.1T | $6.5T | $6.7T |
| Retained Earnings | $1.7T | $2.3T | $2.8T | $3.1T | $3.3T |
Cash Flow (Annual)
Last updated: Jun 21, 2026 6:40pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $3.0T | $128.6B | $1.7T | $396.6B | $826.1B |
| Capital Expenditure | -$65.8B | -$78.1B | -$86.7B | -$17.2B | -$77.3B |
| Free Cash Flow | $2.9T | $50.5B | $1.6T | $379.4B | $748.8B |
| Acquisitions (net) | -$7.8B | $0 | $0 | $0 | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | $1.7T | -$843.0B | -$161.1B | -$1.1T | -$330.4B |
Analyst Estimates (Annual)
Last updated: Jun 27, 2026 5:44am (3h ago)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$3.1T $3.0T – $3.1T
|
$3.3T $3.2T – $3.3T
|
$3.6T $3.4T – $3.7T
|
$3.8T $3.7T – $4.0T
|
| EBITDA |
$1.3T $1.2T – $1.3T
|
$1.3T $1.3T – $1.4T
|
$1.5T $1.4T – $1.5T
|
$1.6T $1.5T – $1.6T
|
| Net Income |
$1.2T $1.1T – $1.2T
|
$1.3T $1.2T – $1.3T
|
$1.4T $1.3T – $1.5T
|
$1.5T $1.4T – $1.6T
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 21, 2026 6:40pm (5d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +75.4% | -4.1% | -8.8% | -34.9% |
| Gross Profit Growth | +23.2% | +2.1% | -2.8% | -1.6% |
| Operating Income Growth | +30.2% | -2.2% | -6.7% | -4.4% |
| Net Income Growth | +36.9% | -5.0% | -9.1% | -4.5% |
| EBITDA Growth | +29.1% | -1.7% | -6.2% | -4.1% |
Dividend History (Last 20)
Last updated: Jun 21, 2026 6:40pm (5d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-03-30 | $2.19 | 2026-03-19 | 2026-03-30 | 2026-04-13 |
| 2025-03-21 | $2.08 | 2025-03-05 | 2025-03-21 | 2025-04-03 |
| 2024-03-21 | $1.64 | 2024-02-05 | 2024-03-22 | 2024-04-08 |
| 2023-03-16 | $2.08 | 2023-02-27 | 2023-03-17 | 2023-03-30 |
| 2022-03-24 | $1.37 | 2022-02-02 | 2022-03-25 | 2022-04-07 |
| 2021-03-26 | $0.59 | 2021-03-19 | 2021-03-29 | 2021-04-09 |
| 2020-03-27 | $0.83 | 2020-03-19 | 2020-03-30 | 2020-04-02 |
| 2019-03-21 | $1.06 | 2019-03-06 | 2019-03-22 | 2019-04-09 |
| 2018-03-28 | $3.18 | 2018-03-26 | 2018-03-29 | 2018-04-05 |
| 2017-03-15 | $2.81 | 2017-02-28 | 2017-03-17 | 2017-04-03 |
| 2016-03-16 | $3.10 | 2016-03-08 | 2016-03-18 | 2016-03-31 |
| 2015-03-18 | $3.47 | 2015-03-10 | 2015-03-20 | 2015-04-02 |
| 2014-03-28 | $3.89 | 2014-03-18 | 2014-03-27 | 2014-04-08 |
| 2013-03-26 | $4.61 | 2013-03-28 | 2013-04-04 | |
| 2013-01-17 | $0.27 | |||
| 2012-03-22 | $3.91 | 2012-04-02 | ||
| 2011-05-12 | $0.30 | |||
| 2011-03-09 | $3.96 | 2011-03-28 | ||
| 2010-03-17 | $4.22 | |||
| 2009-03-18 | $2.59 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for BCH — it's generated by the pipeline (
market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30