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Banco De Chile

BCH Financial Banks Regional

Banco De Chile’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, down 6.56% from fiscal 2024.

Revenue
+11.5%
EPS
+4.13%
Free cash flow
+134.2%
Total debt
+8.34%

Quarter to September 2026, against a year earlier

38.78 0.03 +0.08%
Market cap
$19.6B
P/E
14.0×
Fwd P/E
14.3×
Dividend yield
0.00%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.29%

Capital & Financial Ratios $m

Size
Market Cap 19,570.00
Revenue ttm 5,144.56
Net income ttm 1,418.85
Free cash flow ttm 305.42
Net debt Q 3,352.70
Valuation
P/E 13.99
Forward P/E 14.30
Price / sales 3.82
Forward P/S Powerpack
Price / FCF 64.34
Price / book 3.07
Financial health
Current ratio Q 1.55
Debt / equity Q 1.92
Interest coverage Q —
Growth
Revenue growth Q +11.52% (above 0%: growing)
Operating income growth Q +5.67% (above 0%: growing)
EPS, this year +2.49%
EPS, next year A +8.93%
Revenue, next year A +1,894.94% (at or above 10%: strong)
EPS, past 5 yrs +18.59% (at or above 15%: strong)
EPS, next 5 yrs A +7.06%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 54.46%
10-year low 10-year high
P/S against its own 10 years 74.18%
10-year low 10-year high
P/B against its own 10 years 86.40%
10-year low 10-year high

Dividends

Yield
0.00%
Annual rate
0.00
Payout ratio
0.00%
Growth, 2017–25
+11.3%/yr
  1. 0.88 ’17
  2. 1.04 ’18 +18
  3. 1.06 ’19 +2
  4. 0.84 ’20 −21
  5. 0.00 ’21 −100
  6. 2.70 ’22
  7. 0.00 ’23 −100
  8. 0.00 ’24
  9. 2.08 ’25
  10. 0.28 ’26e −86
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 9,928 7,937 8,895 8,928
Receivables — — — —
Inventory — — — —
Other — — — —
57,864 51,147 52,185 53,238
2023 2024 2025 Q'26
Payables 35,051 31,874 31,850 32,561
ST’ Debt — — — —
Other — — — —
41,891 33,521 33,680 34,398

Compound Annual Growth %

10y 5y 3y
Sales 3.81% 6.52% (6.49%)
Cash Flow 0.00% 0.00% 85.88%
Earnings 4.24% 18.24% (6.40%)
Book Value 5.08% 5.55% 7.18%

Earnings Trends EPS, adjusted, against the consensus

Sep 2026 Estimate 0.66 Actual 0.85

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Dec 2025 0.60 0.58 Miss by 0.02
Mar 2026 0.58 0.60 Beat by 0.02
Jun 2026 0.65 0.86 Beat by 0.21
Sep 2026 0.66 0.85 Beat by 0.19
Dec 2026 0.71 — Reports 2 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.60 0.86 0.62 — —
’25 0.65 0.64 0.60 0.69 2.62
’24 0.62 0.69 0.61 0.74 2.72
’23 0.65 0.86 0.62 1.16 3.26
’22 0.69 1.03 0.74 0.81 3.28
’21 0.44 — 0.45 — 2.45
’20 0.34 0.27 0.23 0.35 1.12
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 1,074 1,278 1,098 — —
’25 1,013 1,114 985 1,694 4,806
’24 1,229 1,167 1,086 1,661 5,143
’23 1,330 1,529 1,325 1,985 6,169
’22 994 1,284 1,204 2,395 5,878
’21 889 — 880 — 3,575
’20 861 756 655 1,232 3,504
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (196) (241) 491 — —
’25 1,303 640 (1,370) 335 909
’24 (95) (454) (420) 5,033 4,064
’23 (564) (56) 2,603 88 2,071
’22 (1,630) (135) 190 1,716 141
’21 (3,391) 2,441 2,245 — 3,525
’20 294 (816) 299 (3,249) (3,473)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (210) (261) 472 — —
’25 1,287 623 (1,381) 304 834
’24 (117) (474) (438) 5,012 3,983
’23 (584) (85) 2,579 61 1,971
’22 (1,641) (154) 174 1,678 57
’21 (3,416) 2,432 2,182 — 3,450
’20 274 (827) 286 (3,271) (3,539)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 3,592 3,801 3,641 3,654 3,504 3,575 5,878 6,169 5,143 4,806 5,145 +3.3% 95,877 103,147 110,770 +184.6%
Gross margin, % 71.33 72.13 73.09 72.98 77.55 73.28 58.81 58.68 65.60 69.34 70.99 (2.0) pt
EBT 1,007 1,117 1,101 1,034 709 1,563 1,909 2,035 1,740 1,654 1,741 +5.7%
EBT margin, % 28.04 29.38 30.23 28.30 20.24 43.70 32.47 33.00 33.84 34.42 33.83 +6.4 pt
Net income 858 930 870 803 564 1,239 1,590 1,649 1,373 1,304 1,419 +4.8%
Per share, $
Per share, $ Revenue 7.01 7.48 7.21 7.23 6.94 7.08 11.64 12.21 10.18 9.52 10.16 +3.5%
Earnings 1.61 1.84 1.70 1.56 1.12 2.45 3.28 3.26 2.72 2.62 2.77 +5.6%
Cash flow 0.47 2.79 (3.81) 3.66 (6.88) 6.98 0.28 4.10 8.05 1.80 0.77 +16.0%
Capex (0.11) (0.13) (0.14) (0.17) (0.13) (0.15) (0.17) (0.20) (0.16) (0.15) (0.17) +3.1%
Free cash flow 0.36 2.66 (3.95) 3.49 (7.01) 6.83 0.11 3.90 7.89 1.65 0.60 +18.4%
Book value 9.63 11.33 10.49 10.28 11.12 11.19 11.83 14.45 14.17 14.57 12.65 +4.7%
Shares, m 512 508 505 505 505 505 505 505 505 505 505 (0.2%)
Valuation, ×
Valuation, × P/E 13.80 19.51 16.62 12.68 17.13 10.69 6.05 6.97 8.53 14.73 13.99 12.7
P/S 3.17 4.49 3.86 2.77 2.94 2.17 1.70 1.88 2.23 3.99 3.82 2.9
P/B 2.31 3.67 2.76 2.21 1.83 1.51 1.67 1.59 1.60 2.61 3.07 2.2
EV/Sales 4.40 6.27 5.61 4.07 3.13 2.43 1.27 2.09 2.76 4.61 — 3.7
EV/FCF 85.73 45.01 23.86 6.04 (3.10) (4.26) 130.47 6.53 3.56 26.61 — 32.0
Cash, $m
Cash, $m Operating cash flow 242 1,418 (1,924) 1,847 (3,473) 3,525 141 2,071 4,064 909 390 +15.8%
Capex (58) (67) (69) (86) (66) (75) (84) (100) (81) (75) (85) +2.9%
Free cash flow 185 1,351 (1,993) 1,762 (3,539) 3,450 57 1,971 3,983 834 305 +18.2%
Balance, $m
Balance, $m Working capital 12,396 12,768 13,606 16,324 14,792 10,902 16,091 15,973 17,625 18,505 18,840 +4.6%
Net debt 3,880 5,414 5,032 3,318 669 1,469 (2,554) 1,304 2,722 2,986 3,353 (2.9%)
Shareholders’ equity 4,934 5,761 5,297 5,195 5,615 5,652 5,975 7,298 7,155 7,357 6,407 +4.5%
Returns, %
Returns, % ROA 1.89 1.87 1.67 1.52 0.95 1.99 2.63 2.59 2.21 2.23 2.37 +0.3 pt
ROIC 7.15 6.25 6.65 7.62 7.08 13.73 34.87 14.80 11.03 10.01 11.14 +2.9 pt
ROE 18.22 17.38 15.74 15.31 10.44 21.99 27.36 24.85 19.00 17.97 22.97 (0.3) pt
People
People Employees 14,611 14,023 13,831 13,555 13,134 12,284 12,550 12,217 11,614 11,156 — (3.0%)
Revenue/emp, $m 0.25 0.27 0.26 0.27 0.27 0.29 0.47 0.50 0.44 0.43 — +6.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Banco De Chile vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FCNCA First Citizens BancShares, Inc. $25.5B 12.3× 11.9× +0.11% (above 0%: growing) +31.07% (above 0%: growing) +28.65% (above 0%: growing) 67.05% 0.00% Compare
RF Regions Financial Corporation $24.2B 11.0× 10.7× +0.16% (above 0%: growing) +16.13% (above 0%: growing) −39.63% (below 0%: shrinking) 80.24% 0.00% Compare
KEY KeyCorp $22.1B 11.5× 11.2× +1.55% (above 0%: growing) +24.39% (above 0%: growing) +85.68% (above 0%: growing) 71.05% 0.00% Compare
BCH Banco De Chile $19.6B 14.0× 14.3× +11.52% (above 0%: growing) +4.13% (above 0%: growing) +134.20% (above 0%: growing) 75.90% 0.00%
BSBR Banco Santander Brasil SA $17.7B 6.2× — +14.98% (above 0%: growing) −5.56% (below 0%: shrinking) +274.78% (above 0%: growing) 40.57% 0.00% Compare
EWBC East West Bancorp, Inc. $17.7B 12.2× 12.2× −0.14% (below 0%: shrinking) +4.91% (above 0%: growing) +112.58% (above 0%: growing) 66.97% 0.00% Compare
WF Woori Bank $16.8B 7.7× — +37.39% (above 0%: growing) +12.90% (above 0%: growing) −106.07% (below 0%: shrinking) 57.49% 0.00% Compare
PNFP Pinnacle Financial Partners, Inc. $15.3B 13.5× 13.0× +126.12% (above 0%: growing) +9.55% (above 0%: growing) −3.18% (below 0%: shrinking) 66.77% 0.00% Compare
BSAC Banco Santander Chile $15.2B 12.4× — +6.76% (above 0%: growing) +50.00% (above 0%: growing) +440.00% (above 0%: growing) 67.88% 0.00% Compare
Median of peers $17.7B 11.8× 11.9× +4.16% +14.52% +57.17% 67.01% 0.00%

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stockrow.com/BCH · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com