Banco de Chile

Banco de Chile

616.00
COP
0.00
(0.00%)
17.15EPS
37.84P/E
65.56TMarket Cap
Oct 29Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
14.14
15.99
15.72
16.72
16.65
18.04
19.71
19.08
21.93
30.8
29.4
30.09
29.62
11.52
Basic EPS, GAAP
5.27
5.73
5.78
5.61
5.66
5.98
5.98
3.98
10.46
14.31
13.6
12.36
11.73
4.35
Free Cash Flow per Basic Share
-1.51
-2.46
-15.93
1.21
8.22
-13.72
13.09
-24.95
29.1
0.5
16.23
35.83
7.41
-2.83
Dividend per Share
3.29
3.54
3.48
3.58
3.39
3.7
3.53
3.47
2.18
5.34
8.58
8.08
9.85
3.91
Book Value per Share
25.05
27.42
30.11
31.58
34.11
36.37
38.66
39.57
47.7
53.77
60.21
64.39
66.21
54.08
Tangible Book Value per Share
24.38
26.79
29.5
30.95
33.41
35.52
37.76
38.64
46.66
52.38
58.52
62.49
64.15
52.34
Basic Weighted Avg Shares
104,383
103,850
105,454
102,462
101,017
101,017
101,017
101,017
101,017
101,017
101,017
101,017
101,017
258,578
Sales/Revenue/Turnover
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
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
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
Net Income, GAAP
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
Effective Tax Rate (%)
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
Profit Margin (%)
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
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
Total Equity
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
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
7.45
6.96
6.14
5.39
5.26
5.05
4.46
2.9
7.75
9.69
8.22
6.93
6.17
6.12
Return on Common Equity (%)
21.86
21.31
20.04
17.74
16.7
16.72
15.93
10.16
23.96
28.21
23.87
19.84
17.97
20.72

Capital Structure

CLP

•

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
14,848,098
17,344,807
16,633,201

Working Capital

CLP

•

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

CLP

•

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

CLP

•

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

CLP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.95
3.2
2.85
0.76
12.36
2025
3.26
3.01
0.71
0.61
11.73
2026
2.66
- -
- -
- -
- -

Quarterly Dividends Per Share

CLP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8.08
- -
- -
- -
8.08
2025
9.85
- -
- -
- -
9.85
2026
10
- -
- -
- -
- -

Company Description

CEO
Eduardo Ebensperger Orrego
Full Time Employees
11,156
Sector
Finance
Industry
Major banks
Address
Ahumada 251 Santiago SA Chile 8320000
IPO Date
Jun 23, 1905
Business
Banco de Chile (CHILE.SN), a leading full-service financial institution, provides a comprehensive range of banking and financial services including retail banking with consumer loans, mortgages, credit cards, checking and savings accounts, and time deposits; wholesale banking offering commercial loans, syndicated loans, liquidity management, debt instruments, foreign trade financing, derivatives, and leasing; treasury services encompassing foreign exchange trading, fixed income, and derivatives; and subsidiaries delivering securities brokerage, mutual funds, investment banking, insurance brokerage, factoring, securitization, and collection services. Founded in 1893 through the merger of Banco de Valparaíso, Banco Agrícola, and Banco Nacional de Chile, the bank is headquartered at Ahumada 251 in Santiago, Chile, and operates nationwide through an extensive branch network supplemented by advanced digital and mobile platforms serving over 2 million customers. It maintains international presence with branches in New York, Miami, São Paulo, Buenos Aires, Mexico City, and Hong Kong, primarily targeting individuals, SMEs, large corporations, and institutions in Chile and select Latin American and global markets, with joint control by the Quiñenco group and Citigroup since 2008. In recent developments, Banco de Chile completed the integration of its former collection services subsidiary Socofin into core operations during the third quarter of 2025, yielding significant cost synergies and improved efficiency without impacting productivity; the bank also launched new digital initiatives including an API Store and expanded AI capabilities, alongside ongoing investments in digital transformation to enhance online and mobile banking platforms.

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