BANCO DE CHILE-ADR(NYSE:BCH) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BCH. BCH was compared to 404 industry peers in the Banks industry. While BCH is still in line with the averages on profitability rating, there are concerns on its financial health. BCH does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

Each year in the past 5 years BCH has been profitable.

Of the past 5 years BCH 4 years had a positive operating cash flow.

1.2 Ratios

BCH has a Return On Assets of 2.32%. This is amongst the best in the industry. BCH outperforms 97.28% of its industry peers.

BCH's Return On Equity of 21.47% is amongst the best of the industry. BCH outperforms 98.27% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.32%
ROE	21.47%
ROIC	N/A

ROA(3y)2.37%

ROA(5y)1.93%

ROE(3y)24.74%

ROE(5y)21.09%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BCH's Profit Margin of 33.88% is amongst the best of the industry. BCH outperforms 89.60% of its industry peers.

In the last couple of years the Profit Margin of BCH has grown nicely.

BCH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	33.88%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.72%

PM growth 5Y7.05%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BCH has about the same amout of shares outstanding than it did 1 year ago.

The number of shares outstanding for BCH remains at a similar level compared to 5 years ago.

BCH has a better debt/assets ratio than last year.

2.2 Solvency

BCH has a debt to FCF ratio of 127.95. This is a negative value and a sign of low solvency as BCH would need 127.95 years to pay back of all of its debts.

The Debt to FCF ratio of BCH (127.95) is worse than 85.40% of its industry peers.

BCH has a Debt/Equity ratio of 1.74. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of BCH (1.74) is worse than 89.60% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.74
Debt/FCF	127.95
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for BCH have decreased by -2.91% in the last year.

Measured over the past years, BCH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.28% on average per year.

BCH shows a small growth in Revenue. In the last year, the Revenue has grown by 5.05%.

The Revenue has been growing slightly by 7.69% on average over the past years.

EPS 1Y (TTM)-2.91%

EPS 3Y15.04%

EPS 5Y15.28%

EPS Q2Q%-22.69%

Revenue 1Y (TTM)5.05%

Revenue growth 3Y7.8%

Revenue growth 5Y7.69%

Sales Q2Q%7.12%

3.2 Future

Based on estimates for the next years, BCH will show a small growth in Earnings Per Share. The EPS will grow by 3.91% on average per year.

BCH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.95% yearly.

EPS Next Y-4.92%

EPS Next 2Y-0.57%

EPS Next 3Y1.65%

EPS Next 5Y3.91%

Revenue Next Year0.88%

Revenue Next 2Y3.2%

Revenue Next 3Y3.07%

Revenue Next 5Y5.95%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-0.57%

EPS Next 3Y1.65%

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5. Dividend

5.1 Amount

BCH has a Yearly Dividend Yield of 7.87%, which is a nice return.

Compared to an average industry Dividend Yield of 3.34, BCH pays a better dividend. On top of this BCH pays more dividend than 99.01% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.33, BCH pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.87%

5.2 History

On average, the dividend of BCH grows each year by 18.02%, which is quite nice.

BCH has been paying a dividend for at least 10 years, so it has a reliable track record.

The dividend of BCH decreased in the last 3 years.

Dividend Growth(5Y)18.02%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

BCH pays out 67.58% of its income as dividend. This is not a sustainable payout ratio.

The dividend of BCH is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP67.58%

EPS Next 2Y-0.57%

EPS Next 3Y1.65%

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BANCO DE CHILE-ADR

NYSE:BCH (3/7/2025, 8:06:56 PM)

After market: 27.28 0 (0%)

27.28

+0.33 (+1.22%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-31 2025-01-31/amc

Earnings (Next)04-28 2025-04-28

Inst Owners30.28%

Inst Owner Change23.16%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap13.78B

Analysts73.33

Price Target26.43 (-3.12%)

Short Float %0.17%

Short Ratio1.79

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.87%

Yearly DividendN/A

Dividend Growth(5Y)18.02%

DP67.58%

Div Incr Years2

Div Non Decr Years2

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)7.21%

Min Revenue beat(2)-2.92%

Max Revenue beat(2)17.35%

Revenue beat(4)2

Avg Revenue beat(4)3.89%

Min Revenue beat(4)-2.92%

Max Revenue beat(4)17.35%

Revenue beat(8)2

Avg Revenue beat(8)0.48%

Revenue beat(12)6

Avg Revenue beat(12)12.76%

Revenue beat(16)9

Avg Revenue beat(16)18.18%

PT rev (1m)6.3%

PT rev (3m)13.57%

EPS NQ rev (1m)0%

EPS NQ rev (3m)8.68%

EPS NY rev (1m)-0.2%

EPS NY rev (3m)1.33%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-0.09%

Revenue NY rev (3m)-0.28%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	N/A
P/FCF	N/A
P/OCF	N/A
P/B	N/A
P/tB	N/A
EV/EBITDA	N/A

EPS(TTM)N/A

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpSN/A

BVpSN/A

TBVpSN/A

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	2.32%
ROE	21.47%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	33.88%
GM	N/A
FCFM	2.71%

ROA(3y)2.37%

ROA(5y)1.93%

ROE(3y)24.74%

ROE(5y)21.09%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.72%

PM growth 5Y7.05%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.07

Health

		Industry Rank	Sector Rank
Debt/Equity	1.74
Debt/FCF	127.95
Debt/EBITDA	N/A
Cap/Depr	79.41%
Cap/Sales	2.1%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	7.99%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)88.83%

Cap/Depr(5y)83.51%

Cap/Sales(3y)2.45%

Cap/Sales(5y)2.42%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-2.91%

EPS 3Y15.04%

EPS 5Y15.28%

EPS Q2Q%-22.69%

EPS Next Y-4.92%

EPS Next 2Y-0.57%

EPS Next 3Y1.65%

EPS Next 5Y3.91%

Revenue 1Y (TTM)5.05%

Revenue growth 3Y7.8%

Revenue growth 5Y7.69%

Sales Q2Q%7.12%

Revenue Next Year0.88%

Revenue Next 2Y3.2%

Revenue Next 3Y3.07%

Revenue Next 5Y5.95%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-62.92%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-89.89%

FCF growth 3Y-65.57%

FCF growth 5Y-39.3%

OCF growth 1Y-83.55%

OCF growth 3Y-58.68%

OCF growth 5Y-32.64%

BANCO DE CHILE-ADR (BCH) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens