Banco de Chile

Banco de Chile

BCH
Banco de ChileUS flagNew York Stock Exchange
36.79
USD
-0.79
- -
18.58BMarket Cap
Banco de Chile
BCH
(New York Stock Exchange)

Recent

price

36.79

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2,367.2
2,484.74
2,454.71
2,828.41
3,198.27
3,144.18
3,343.34
3,330.67
3,607.06
3,941.2
3,815.41
4,385.15
6,159.95
5,879.91
6,018.09
5,923.96
5,894.75
Revenue per Share
851.11
877.27
891.12
1,054.17
1,146.89
1,156.72
1,122.46
1,132.64
1,195.11
1,195.33
795.17
2,091.36
2,862.48
2,720.39
2,471.81
2,346.96
2,225.66
Basic EPS, GAAP
-271.52
-974.21
-822.79
-301.9
-492.38
-3,185.68
241.01
1,644.4
-2,744.73
2,618.97
-4,989.87
5,820.48
99.96
3,245.17
7,165.71
1,482.47
-1,446.34
Free Cash Flow per Basic Share
588.31
559.06
551.15
658.06
708.95
696.88
715.69
677.18
740.63
705.45
694.02
436.11
1,068.78
1,716.4
1,615.43
1,970.72
1,997.83
Dividend per Share
3,436.34
3,883.52
4,037.54
4,722.69
5,018.31
5,151.18
5,422.65
5,758.37
5,980.13
6,282.69
6,362.58
8,139.56
9,407.32
10,339.3
10,937.52
11,232.42
9,816.39
Book Value per Share
3,275.2
3,923.69
4,233.6
4,994.7
5,477.38
5,899.49
6,329.43
6,875.85
7,104.23
7,551.29
7,727.35
9,331.15
10,476.26
11,703.63
12,498.74
12,829.23
10,458.27
Tangible Book Value per Share
491
499
539
522
519
527
512
505
505
505
505
505
505
505
505
505
506
Basic Weighted Avg Shares
1,161,519
1,240,976
1,321,894
1,476,195
1,660,695
1,657,830
1,712,829
1,682,275
1,821,872
1,990,642
1,927,108
2,214,875
3,111,301
2,969,856
3,039,651
2,992,107
2,979,863
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
34,964
35,131
35,146
27,677
32,787
31,822
35,575
37,536
37,681
70,541
73,357
76,798
84,205
92,308
94,601
95,110
95,311
Depreciation Expense
417,614
438,143
479,880
550,188
595,518
609,903
575,051
572,080
603,633
603,744
401,629
1,056,316
1,445,799
1,374,027
1,248,476
1,185,413
1,125,097
Net Income, GAAP
10.02
12.99
11.76
13.94
11.8
11.89
14.84
16.78
20.93
22.34
20.45
20.71
16.67
18.99
21.09
21.17
22.01
Effective Tax Rate (%)
35.95
35.31
36.3
37.27
35.86
36.79
33.57
34.01
33.13
30.33
20.84
47.69
46.47
46.27
41.07
39.62
37.76
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,764,165
4,056,425
4,382,596
5,356,415
6,156,663
7,631,829
7,217,950
7,684,002
8,992,311
10,522,704
9,267,765
9,170,470
10,406,471
11,488,899
11,927,819
13,235,469
13,384,353
LT Debt
1,694,325
2,040,669
2,355,462
2,679,039
2,910,975
3,175,325
3,307,674
3,545,348
3,673,716
3,905,761
3,997,081
4,818,972
5,431,437
6,081,945
6,504,896
6,687,847
5,462,801
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
25.48
24.17
23.33
23.72
23.49
22.92
20.93
20.12
20.36
19.5
12.58
28.84
32.63
27.55
23.23
21.17
22.96
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
25,604
23,569
21,876
LT Borrowings
13,955,258
13,184,695
13,337,449
LT Finance Leases
54,704
50,774
46,904
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
101,017
101,017
101,017
Market Capitalization
14,784,734
17,368,372
17,401,607

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
5,852,985
6,478,410
6,012,788
Accounts Receivable, Net
283,020
170,185
575,714
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1,295,263
902,154
1,192,205
ST Debt
25,604
23,569
21,876
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.87%
11%
2.81%
Free Cash Flow
258.56%
574.64%
-79.31%
Net Income, GAAP
14.66%
36.15%
-5.05%
Sales/Revenue/Turnover
6.75%
10.33%
-1.56%
Total Cash Common Dividend
18.07%
36.92%
21.99%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
779,341
766,741
710,796
773,098
3,039,651
2025
776,261
756,177
717,031
760,665
2,992,107
2026
745,990
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
589.32
640
570
- -
2,471.81
2025
651.26
602
580
- -
2,346.96
2026
531.85
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,615.43
- -
- -
- -
1,615.43
2025
1,970.72
- -
- -
- -
1,970.72
2026
1,999.51
- -
- -
- -
- -
Business
Banco de Chile (NYSE: BCH), Chile's second-largest full-service commercial bank, provides a comprehensive range of banking products and services to individuals, small and medium-sized enterprises, large corporations, and institutional clients through its four principal segments: Retail Banking, Wholesale Banking, Treasury, and Subsidiaries; core offerings include consumer loans, commercial loans, mortgage loans, checking and savings accounts, credit cards, debit cards, lines of credit, debt instruments, foreign trade financing, derivative contracts, leases, securities brokerage, mutual funds, insurance brokerage, financial advisory services, acquiring and processing services via B-Pago, and collection services via Socofin. The bank maintains a multichannel distribution network featuring 235 branches, 1,868 ATMs, internet banking, mobile applications, and phone banking, serving approximately 7.0 million debtors, 12.6 million checking accounts, and 28.9 million debit cards across Chile, with total loans of USD 42.6 billion, demand deposits of USD 14.7 billion, and assets under management of USD 19.7 billion as of September 2024. Founded in 1893 and headquartered at Ahumada 251 in Santiago, Chile, Banco de Chile operates exclusively within the Chilean market, where it holds leading positions including 16% market share in total loans, 21% in demand deposits, 24% in net income, and 23% in assets under management; majority control rests with Quiñenco S.A. at approximately 51%, alongside strategic technology partnerships with Microsoft Azure, IBM, Visa, Mastercard, and Transbank. Recent developments include the extension of key agreements with Citigroup Inc. encompassing the Cooperation Agreement, Global Connectivity Agreement, and Amended and Restated Trademark License Agreement as of November 2025; implementation of Integral's technology platform in November 2025 to optimize foreign exchange operations and enhance multi-channel foreign currency distribution; launch of 17 new financial products in 2024 spanning digital credit offerings, sustainable finance products, and solutions for personal and corporate banking; accelerated digital initiatives such as FAN Clan accounts for teenagers, FAN Emprende for SMEs, FAN Ahorro savings accounts, and a new university student digital account, alongside B-Pago subsidiary rollout for acquiring services; and strengthened sustainability efforts through social bonds for women-owned enterprises, green finance frameworks, and C-Level ESG committee formation, positioning the bank as the local industry leader in Sustainalytics ESG Risk Ratings.

Company News

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