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BANCO DE CHILE-ADR (BCH) Stock Fundamental Analysis

NYSE:BCH - New York Stock Exchange, Inc. - US0595201064 - ADR - Currency: USD

27.97  +0.21 (+0.76%)

After market: 27.97 0 (0%)

Fundamental Rating

3

Taking everything into account, BCH scores 3 out of 10 in our fundamental rating. BCH was compared to 398 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.


Dividend Valuation Growth Profitability Health

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4

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.
BCH Yearly Net Income VS EBIT VS OCF VS FCFBCH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1T -1T 2T

1.2 Ratios

Looking at the Return On Assets, with a value of 2.32%, BCH belongs to the top of the industry, outperforming 96.98% of the companies in the same industry.
BCH has a Return On Equity of 21.47%. This is amongst the best in the industry. BCH outperforms 98.24% of its industry peers.
Industry RankSector 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
BCH Yearly ROA, ROE, ROICBCH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

BCH has a Profit Margin of 33.88%. This is amongst the best in the industry. BCH outperforms 89.95% 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 RankSector 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
BCH Yearly Profit, Operating, Gross MarginsBCH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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1

2. Health

2.1 Basic Checks

The number of shares outstanding for BCH remains at a similar level compared to 1 year ago.
Compared to 5 years ago, BCH has about the same amount of shares outstanding.
BCH has a better debt/assets ratio than last year.
BCH Yearly Shares OutstandingBCH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
BCH Yearly Total Debt VS Total AssetsBCH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10T 20T 30T 40T 50T

2.2 Solvency

The Debt to FCF ratio of BCH is 127.95, which is on the high side as it means it would take BCH, 127.95 years of fcf income to pay off all of its debts.
BCH's Debt to FCF ratio of 127.95 is on the low side compared to the rest of the industry. BCH is outperformed by 86.18% of its industry peers.
A Debt/Equity ratio of 1.74 is on the high side and indicates that BCH has dependencies on debt financing.
BCH's Debt to Equity ratio of 1.74 is on the low side compared to the rest of the industry. BCH is outperformed by 89.20% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.74
Debt/FCF 127.95
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BCH Yearly LT Debt VS Equity VS FCFBCH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5T 10T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BCH Yearly Current Assets VS Current LiabilitesBCH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1T 2T 3T 4T

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3

3. Growth

3.1 Past

The earnings per share for BCH have decreased by -2.92% in the last year.
BCH shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.28% yearly.
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)-2.92%
EPS 3Y15.04%
EPS 5Y15.28%
EPS Q2Q%-22.77%
Revenue 1Y (TTM)5.05%
Revenue growth 3Y7.8%
Revenue growth 5Y7.69%
Sales Q2Q%-9.92%

3.2 Future

BCH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.72% yearly.
BCH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.72% yearly.
EPS Next Y-5.2%
EPS Next 2Y-0.65%
EPS Next 3Y1.69%
EPS Next 5Y3.72%
Revenue Next Year0.88%
Revenue Next 2Y3.2%
Revenue Next 3Y3.07%
Revenue Next 5Y5.72%

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.
BCH Yearly Revenue VS EstimatesBCH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1T 2T 3T 4T
BCH Yearly EPS VS EstimatesBCH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 500 1K 1.5K 2K 2.5K

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0

4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
BCH Price Earnings VS Forward Price EarningsBCH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BCH Per share dataBCH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.65%
EPS Next 3Y1.69%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.23%, BCH is a good candidate for dividend investing.
BCH's Dividend Yield is rather good when compared to the industry average which is at 3.78. BCH pays more dividend than 96.73% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.57, BCH pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.23%

5.2 History

The dividend of BCH is nicely growing with an annual growth rate of 18.02%!
BCH has paid a dividend for at least 10 years, which is 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
BCH Yearly Dividends per shareBCH Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

5.3 Sustainability

BCH pays out 67.58% of its income as dividend. This is not a sustainable payout ratio.
BCH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP67.58%
EPS Next 2Y-0.65%
EPS Next 3Y1.69%
BCH Yearly Income VS Free CF VS DividendBCH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1T -1T 2T
BCH Dividend Payout.BCH Dividend Payout, showing the Payout Ratio.BCH Dividend Payout.PayoutRetained Earnings

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BANCO DE CHILE-ADR

NYSE:BCH (4/17/2025, 8:04:00 PM)

After market: 27.97 0 (0%)

27.97

+0.21 (+0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12 2025-02-12/bmo
Earnings (Next)04-28 2025-04-28
Inst Owners30.28%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap14.13B
Analysts74.12
Price Target27.02 (-3.4%)
Short Float %0.12%
Short Ratio1.15
Dividend
Industry RankSector Rank
Dividend Yield 7.23%
Yearly DividendN/A
Dividend Growth(5Y)18.02%
DP67.58%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-21 2025-03-21 (4.179436)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-8.57%
Min EPS beat(2)-9.22%
Max EPS beat(2)-7.92%
EPS beat(4)2
Avg EPS beat(4)-0.66%
Min EPS beat(4)-9.22%
Max EPS beat(4)10.58%
EPS beat(8)4
Avg EPS beat(8)-0.45%
EPS beat(12)7
Avg EPS beat(12)6.62%
EPS beat(16)11
Avg EPS beat(16)9.37%
Revenue beat(2)0
Avg Revenue beat(2)-2.12%
Min Revenue beat(2)-2.92%
Max Revenue beat(2)-1.32%
Revenue beat(4)1
Avg Revenue beat(4)-0.78%
Min Revenue beat(4)-2.92%
Max Revenue beat(4)1.73%
Revenue beat(8)1
Avg Revenue beat(8)-1.85%
Revenue beat(12)5
Avg Revenue beat(12)11.2%
Revenue beat(16)8
Avg Revenue beat(16)17.02%
PT rev (1m)2.24%
PT rev (3m)15.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.91%
EPS NY rev (1m)1.99%
EPS NY rev (3m)3.35%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.2%
Valuation
Industry RankSector 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 RankSector 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 RankSector 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)-2.92%
EPS 3Y15.04%
EPS 5Y15.28%
EPS Q2Q%-22.77%
EPS Next Y-5.2%
EPS Next 2Y-0.65%
EPS Next 3Y1.69%
EPS Next 5Y3.72%
Revenue 1Y (TTM)5.05%
Revenue growth 3Y7.8%
Revenue growth 5Y7.69%
Sales Q2Q%-9.92%
Revenue Next Year0.88%
Revenue Next 2Y3.2%
Revenue Next 3Y3.07%
Revenue Next 5Y5.72%
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%