Banco de Chile logo

Banco de Chile

BCH

NYSEFinancial ServicesBanks - Regional

Previous close

$42.20

+$1.15 · +2.80%

Aug 21, 4:00 PM ET

BCH company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

37

Expensive

Momentum

55

Neutral

Sentiment

54

Mixed

Risk resilience

74

Moderate Risk

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Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
CL
CEO
Eduardo Ebensperger Orrego
Listed since
Aug 2, 2002
Employees
11,156

Market position

Day range

Current $42.20

52-week range

Current $42.20

Open
$41.61
Previous close
$41.05
Volume
210.37K
0.61× average
Average volume
347.29K
Average daily volume
Market cap
21.31B USD
Beta
0.12
Market reference 1
50-day average
$40.5142
+4.16% above average
200-day average
$39.3598
+7.22% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
27.9T CLP
P/E (TTM)
15.92×
P/B (TTM)
3.39×
P/S (TTM)
4.71×
EV / EBITDA
17.36×
Earnings yield
6.87%
Free cash flow yield
4.31%
Dividend yield
5.21%

Profitability & efficiency

Gross margin
66.52%
Operating margin
37.28%
Net margin
29.60%
Return on equity
17.83%
Return on assets
2.20%
Return on invested capital
4.92%

Financial health

Debt / equity
2.45×
Current ratio
0.24×
Altman Z-score
0.43
Piotroski F-score
4 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends93%69%45%21%Gross margin, FY2021: 72.51%Gross margin, FY2022: 50.96%Gross margin, FY2023: 54.29%Gross margin, FY2024: 57.83%Gross margin, FY2025: 87.38%Operating margin, FY2021: 43.98%Operating margin, FY2022: 32.66%Operating margin, FY2023: 33.30%Operating margin, FY2024: 34.04%Operating margin, FY2025: 49.98%Net margin, FY2021: 34.87%Net margin, FY2022: 27.22%Net margin, FY2023: 26.97%Net margin, FY2024: 26.86%Net margin, FY2025: 39.40%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 72.51%. Gross margin FY2022 50.96%. Gross margin FY2023 54.29%. Gross margin FY2024 57.83%. Gross margin FY2025 87.38%. Operating margin FY2021 43.98%. Operating margin FY2022 32.66%. Operating margin FY2023 33.30%. Operating margin FY2024 34.04%. Operating margin FY2025 49.98%. Net margin FY2021 34.87%. Net margin FY2022 27.22%. Net margin FY2023 26.97%. Net margin FY2024 26.86%. Net margin FY2025 39.40%.

Income trends

Revenue

3.03T CLP-34.90%

Operating income

1.51T CLP-4.41%

Net income

1.19T CLP-4.50%
Income trends across reported periods5.74T CLP4.04T CLP2.33T CLP630.74B CLPRevenue, FY2021: 3.03T CLPRevenue, FY2022: 5.31T CLPRevenue, FY2023: 5.09T CLPRevenue, FY2024: 4.65T CLPRevenue, FY2025: 3.03T CLPOperating income, FY2021: 1.33T CLPOperating income, FY2022: 1.74T CLPOperating income, FY2023: 1.7T CLPOperating income, FY2024: 1.58T CLPOperating income, FY2025: 1.51T CLPNet income, FY2021: 1.06T CLPNet income, FY2022: 1.45T CLPNet income, FY2023: 1.37T CLPNet income, FY2024: 1.25T CLPNet income, FY2025: 1.19T CLPFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 3.03T CLP. Revenue FY2022 5.31T CLP. Revenue FY2023 5.09T CLP. Revenue FY2024 4.65T CLP. Revenue FY2025 3.03T CLP. Operating income FY2021 1.33T CLP. Operating income FY2022 1.74T CLP. Operating income FY2023 1.7T CLP. Operating income FY2024 1.58T CLP. Operating income FY2025 1.51T CLP. Net income FY2021 1.06T CLP. Net income FY2022 1.45T CLP. Net income FY2023 1.37T CLP. Net income FY2024 1.25T CLP. Net income FY2025 1.19T CLP.
Metric (CLP)FY2025FY2024FY2023FY2022FY2021
Revenue3.03T CLP4.65T CLP5.09T CLP5.31T CLP3.03T CLP
Cost of goods sold381.92B CLP1.96T CLP2.33T CLP2.6T CLP832.62B CLP
Gross profit2.64T CLP2.69T CLP2.77T CLP2.71T CLP2.2T CLP
Selling, general, and administrative1.13T CLP1.19T CLP1.15T CLP1.03T CLP693.62B CLP
Operating expenses1.13T CLP1.11T CLP1.07T CLP972.17B CLP864.42B CLP
Interest income2.72T CLP3.77T CLP4.04T CLP4.47T CLP2.39T CLP
Interest expense969.64B CLP1.61T CLP2.12T CLP2.2T CLP814.45B CLP
Depreciation and amortization95.11B CLP94.6B CLP92.31B CLP84.21B CLP76.8B CLP
Operating income1.51T CLP1.58T CLP1.7T CLP1.74T CLP1.33T CLP
Net income1.19T CLP1.25T CLP1.37T CLP1.45T CLP1.06T CLP

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
64%
7 beats, 4 misses, 0 met estimates
Average EPS surprise
+10.59%
11 comparable reports
Latest EPS result
0.86
Estimate 0.65 · Beat by 32.31%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.010.850.70.54Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 12, 2025: actual 0.59, estimate 0.65, surprise -9.23%, Miss. Q2 2025, reported Apr 29, 2025: actual 0.97, estimate 0.58, surprise +67.24%, Beat. Q3 2025, reported Jul 31, 2025: actual 0.64, estimate 0.63, surprise +1.59%, Beat. Q4 2025, reported Oct 30, 2025: actual 0.6, estimate 0.62, surprise -3.23%, Miss. Q1 2026, reported Feb 3, 2026: actual 0.58, estimate 0.6, surprise -3.33%, Miss. Q2 2026, reported Apr 30, 2026: actual 0.6, estimate 0.58, surprise +3.45%, Beat. Q3 2026, reported Jul 31, 2026: actual 0.86, estimate 0.65, surprise +32.31%, Beat. Q4 2026, reported Oct 29, 2026: actual —, estimate 0.73, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates1.56B1.24B929.52M616.7MQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 12, 2025: actual 1.49B USD, estimate 847.9M USD, surprise +75.78%, Beat. Q2 2025, reported Apr 29, 2025: actual 1.06B USD, estimate 817.51M USD, surprise +29.58%, Beat. Q3 2025, reported Jul 31, 2025: actual 1.08B USD, estimate 801.83M USD, surprise +34.98%, Beat. Q4 2025, reported Oct 30, 2025: actual 681.42M USD, estimate 841.62M USD, surprise -19.03%, Miss. Q1 2026, reported Feb 3, 2026: actual 832.68M USD, estimate 855.94M USD, surprise -2.72%, Miss. Q2 2026, reported Apr 30, 2026: actual 820.6M USD, estimate 831.52M USD, surprise -1.31%, Miss. Q3 2026, reported Jul 31, 2026: actual 997.46M USD, estimate 973.11M USD, surprise +2.50%, Beat. Q4 2026, reported Oct 29, 2026: actual —, estimate 901.51M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$39.00

7.58% downside
Past 12 months12-month forecastHigh $39.00Average $39.00Low $39.00

Rating distribution

9 ratings
Strong buy00%
Buy444%
Hold556%
Sell00%
Strong sell00%

Recent analyst actions

3 institutions
UBSmaintainNeutral
Goldman SachsmaintainNeutral

BCH news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$2.0758

2025 complete year+242.0% since 2021

2026 partial: $2.1877

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Mar 30, 2026

$2.1877

Annual

Record Mar 30, 2026 · Payment Apr 13, 2026

Dividend

Ex-dividend Mar 21, 2025

$2.0758

Annual

Record Mar 21, 2025 · Payment Apr 3, 2025

Dividend

Ex-dividend Mar 21, 2024

$1.6362

Annual

Record Mar 22, 2024 · Payment Apr 8, 2024

Dividend

Ex-dividend Mar 16, 2023

$2.0786

Annual

Record Mar 17, 2023 · Payment Mar 30, 2023

Dividend

Ex-dividend Mar 24, 2022

$1.3688

Annual

Record Mar 25, 2022 · Payment Apr 7, 2022

Dividend

Ex-dividend Mar 26, 2021

$0.5901

Annual

Record Mar 29, 2021 · Payment Apr 9, 2021

BCH peers

ETFs holding BCH

Funds reporting this stock among their holdings, ordered by reported position size.

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