BCH Chart
About

Banco de Chile, together with its subsidiaries, operates as a commercial bank that provides banking services in Chile. It operates through four segments: Retail, Wholesale, Treasury, and Subsidiaries. The Retail segment offers checking and demand deposit accounts; debit and credit cards; lines of credit; home mortgage, consumer, commercial, and general-purpose mortgage loans; financial leases; factoring services; mutual fund management and stock brokerage; foreign trade; payments and collections; insurance brokerage; time deposits; savings instruments; and foreign currency services through the network of branches operating under the Banco de Chile and Banco Edwards brands. The Wholesale segment provides short- and long-term commercial loans; working capital loans; lines of credit; corporate credit cards; foreign trade and foreign currency services; factoring services; leasing; long-term syndicated loans; investment banking services; payment services; collection services and connections to international fund transfer networks; checking accounts and deposit products; fund administration; treasury and investment management; derivative contracts; and insurance brokerage services. The Treasury segment offers foreign currency trading, forwards, interest rate swaps, repurchase agreements, investment products based on bonds, mortgage bonds, and deposits; fixed income, foreign exchange, and derivative instruments; and short and long-term senior bonds, and long-term subordinated bonds, as well as manages currency, interest rate, and term mismatches. The Subsidiaries segment provides equities and fixed income brokerage and currency exchange services; life and general insurance, and individual and group policies; investment banking services; and payment solutions. The company was founded in 1893 and is headquartered in Santiago, Chile. Banco de Chile was formerly a subsidiary of LQ Inversiones Financieras S.A.

Fundamentals
Scroll to Statements
Sector Financial Services Industry Banks - Regional Market Cap 19.25B
Enterprise Value — Income — Sales —
Book/sh 56.24 Cash/sh — Dividend Yield 5.45%
Payout 83.75% Employees 11156 IPO —
P/E 14.17 Forward P/E 12.44 PEG —
P/S — P/B 0.68 P/C —
EV/EBITDA — EV/Sales — Quick Ratio —
Current Ratio — Debt/Eq — LT Debt/Eq —
EPS (ttm) 2.69 EPS next Y 3.06 EPS Growth -10.90%
Revenue Growth -6.20% Earnings 2026-04-30 ROA 2.24%
ROE 20.88% ROIC — Gross Margin 0.00%
Oper. Margin 0.00% Profit Margin 45.09% Shs Outstand 505.09M
Shs Float 34.70B Short Float 0.24% Short Ratio 1.17
Short Interest — 52W High 46.77 52W Low 23.66
Beta 0.09 Avg Volume 337.17K Volume 316.08K
Target Price $37.69 Recom Hold Prev Close $40.29
Price $38.11 Change -5.41%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$37.69
Mean price target
2. Current target
$38.11
Latest analyst target
3. DCF / Fair value
$40.35
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$38.11
Low
$21.00
High
$47.01
Mean
$37.69

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-16 main JP Morgan Neutral → Neutral $36
2025-11-11 main Goldman Sachs Neutral → Neutral $35
2025-10-16 main JP Morgan Neutral → Neutral $33
2025-01-24 main JP Morgan Neutral → Neutral $23
2024-04-16 main JP Morgan Neutral → Neutral $21
2023-10-16 init Jefferies — → Hold $21
2023-06-02 up Itau BBA Market Perform → Outperform $24
2023-05-08 main Goldman Sachs — → Neutral $22
2022-08-19 down Credit Suisse Outperform → Neutral —
2022-03-02 up Credit Suisse Neutral → Outperform $25
2022-02-17 down JP Morgan Overweight → Neutral $23
2020-11-17 up Itau BBA Market Perform → Outperform $22
2019-09-10 init Goldman Sachs — → Neutral $29
2017-09-06 down JP Morgan Overweight → Neutral —
2016-08-15 down Standpoint Research Buy → Hold —
2016-07-15 up Scotiabank Sector Perform → Outperform —
2016-04-07 main Barclays — → Overweight $72
2015-08-26 up Standpoint Research Hold → Buy $75
2014-11-06 main JP Morgan — → Overweight $90
2014-07-08 main JP Morgan — → Neutral $93
Insider Transactions

No recent insider transactions.

Financials
Line Item2024-12-312023-12-312022-12-312021-12-31
TaxEffectOfUnusualItems-5.48B-4.18B-1.36B-1.56B
TaxRateForCalcs0.210.190.170.21
TotalUnusualItems-25.99B-22.02B-8.17B-7.54B
TotalUnusualItemsExcludingGoodwill-25.99B-22.02B-8.17B-7.54B
NetIncomeFromContinuingOperationNetMinorityInterest1.25T1.37T1.45T1.06T
ReconciledDepreciation94.60B92.31B84.20B76.80B
NetInterestIncome2.16T1.92T2.27T1.57T
InterestExpense1.61T2.12T2.20T814.45B
InterestIncome3.77T4.04T4.47T2.39T
NormalizedIncome1.27T1.39T1.45T1.06T
NetIncomeFromContinuingAndDiscontinuedOperation1.25T1.37T1.45T1.06T
RentExpenseSupplemental11.51B8.68B8.41B4.07B
DilutedAverageShares505.09M505.09M505.09M505.09M
BasicAverageShares505.09M505.09M505.09M505.09M
DilutedEPS2.39K2.46K2.79K1.57K
BasicEPS2.39K2.46K2.79K1.57K
DilutedNIAvailtoComStockholders1.25T1.37T1.45T1.06T
NetIncomeCommonStockholders1.25T1.37T1.45T1.06T
NetIncome1.25T1.37T1.45T1.06T
MinorityInterests0.00-1.00M-2.00M-1.00M
NetIncomeIncludingNoncontrollingInterests1.25T1.37T1.45T1.06T
NetIncomeContinuousOperations1.25T1.37T1.45T1.06T
TaxProvision333.60B322.11B289.21B275.97B
PretaxIncome1.58T1.70T1.74T1.33T
SpecialIncomeCharges-33.13B-28.81B-14.94B-13.60B
OtherSpecialCharges877.00M-3.42B-3.53B-1.98B
WriteOff32.26B32.23B18.47B15.59B
ImpairmentOfCapitalAssets1.69B
GainOnSaleOfSecurity128.74B89.37B-105.00B348.55B
DepreciationAmortizationDepletionIncomeStatement94.60B92.31B84.20B76.80B
DepreciationAndAmortizationInIncomeStatement94.60B92.31B84.20B76.80B
Amortization17.83B
AmortizationOfIntangiblesIncomeStatement17.83B
DepreciationIncomeStatement58.97B
SellingGeneralAndAdministration1.19T1.15T1.03T693.62B
SellingAndMarketingExpense33.95B39.62B35.28B30.65B
GeneralAndAdministrativeExpense1.15T1.12T992.24B662.96B
OtherGandA543.13B509.99B443.69B197.19B
InsuranceAndClaims10.76B10.22B8.72B7.85B
RentAndLandingFees11.51B8.68B8.41B4.07B
SalariesAndWages586.12B586.14B531.42B453.86B
TotalRevenue3.04T2.97T3.11T2.21T
OperatingRevenue3.04T2.97T3.11T2.21T
OccupancyAndEquipment51.61B49.70B42.31B39.68B
ProfessionalExpenseAndContractServicesExpense23.29B21.91B23.10B23.07B
OtherNonInterestExpense-19.14B-36.17B-3.07B19.45B
Line Item2024-12-312023-12-312022-12-312021-12-31
OrdinarySharesNumber101.02B101.02B101.02B101.02B
ShareIssued101.02B101.02B101.02B101.02B
NetDebt8.79T6.43T6.78T5.03T
TotalDebt11.95T11.51T10.41T9.17T
TangibleBookValue6.31T5.91T5.29T4.71T
InvestedCapital18.37T17.49T15.75T13.89T
NetTangibleAssets6.31T5.91T5.29T4.71T
CapitalLeaseObligations91.43B101.48B89.37B95.67B
CommonStockEquity6.50T6.08T5.43T4.82T
TotalCapitalization18.37T17.49T15.75T13.89T
TotalEquityGrossMinorityInterest6.50T6.08T5.43T4.82T
MinorityInterest2.00M2.00M2.00M1.00M
StockholdersEquity6.50T6.08T5.43T4.82T
GainsLossesNotAffectingRetainedEarnings980.51B859.71B679.94B707.80B
OtherEquityAdjustments980.51B859.71B679.94B707.80B
RetainedEarnings3.11T2.80T2.33T1.69T
CapitalStock2.42T2.42T2.42T2.42T
CommonStock2.42T2.42T2.42T2.42T
TotalLiabilitiesNetMinorityInterest45.55T49.64T49.68T46.61T
PreferredSecuritiesOutsideStockEquity0.000.00
DerivativeProductLiabilities2.59T2.36T3.32T2.77T
EmployeeBenefits151.63B154.13B139.31B106.96B
NonCurrentDeferredLiabilities166.00M68.69B
NonCurrentDeferredRevenue68.69B
NonCurrentDeferredTaxesLiabilities166.00M
LongTermDebtAndCapitalLeaseObligation11.93T11.49T10.41T9.17T
LongTermCapitalLeaseObligation65.40B78.33B89.37B95.67B
LongTermDebt11.86T11.41T10.32T9.07T
LongTermProvisions492.82B500.75B603.03B367.82B
CurrentDebtAndCapitalLeaseObligation26.88B24.59B
CurrentCapitalLeaseObligation26.03B23.15B
CurrentDebt850.00M1.44B
LineOfCredit850.00M1.44B
PayablesAndAccruedExpenses631.11B611.15B524.33B529.06B
Payables631.11B611.15B524.33B529.06B
OtherPayable193.17B252.04B131.11B83.97B
DividendsPayable13.47B12.07B8.01B5.14B
TotalTaxPayable4.21B10.09B5.68B117.72B
IncomeTaxPayable4.21B10.09B5.68B117.72B
AccountsPayable420.26B336.94B379.54B322.22B
TotalAssets52.06T55.72T55.11T51.43T
InvestmentsAndAdvances5.10T5.34T8.62T7.82T
HeldToMaturitySecurities782.53B
AvailableForSaleSecurities2.97T3.47T4.59T4.72T
TradingSecurities3.77T3.69T3.88T
LongTermEquityInvestment67.28B65.08B56.18B46.92B
GoodwillAndOtherIntangibleAssets191.97B170.61B140.03B105.94B
OtherIntangibleAssets175.25B153.90B123.32B89.23B
Goodwill16.71B16.71B16.71B16.71B
NetPPE448.55B468.53B399.97B416.97B
AccumulatedDepreciation-557.77B-539.61B-534.09B-482.20B
GrossPPE1.01T1.01T934.06B899.17B
Leases28.78B30.43B28.59B26.07B
OtherProperties261.87B252.16B197.31B193.09B
MachineryFurnitureEquipment261.14B256.93B246.71B243.76B
BuildingsAndImprovements126.66B145.85B144.48B124.98B
LandAndImprovements327.86B322.77B316.97B311.28B
PrepaidAssets53.65B67.80B39.74B45.73B
Receivables2.90T2.55T2.28T1.78T
OtherReceivables2.71T2.45T2.15T1.68T
NotesReceivable34.37B
AccountsReceivable195.36B99.42B131.61B95.55B
OtherShortTermInvestments2.07T1.80T3.97T3.06T
CashAndCashEquivalents3.07T4.98T3.54T4.04T
CashFinancial879.13B929.03B947.67B1.07T
CashCashEquivalentsAndFederalFundsSold3.63T5.51T3.91T4.40T
Line Item2024-12-312023-12-312022-12-312021-12-31
FreeCashFlow3.62T1.64T50.49B2.94T
RepaymentOfDebt-1.50T-1.87T-1.60T-1.34T
IssuanceOfDebt1.10T1.22T1.88T1.66T
CapitalExpenditure-74.84B-86.70B-78.13B-65.80B
InterestPaidSupplementalData1.57T1.43T1.34T262.89B
EndCashPosition3.26T2.99T3.15T4.00T
BeginningCashPosition2.99T3.15T4.00T2.28T
EffectOfExchangeRateChanges164.74B15.64B38.01B324.96B
ChangesInCash108.76B-176.73B-881.01B1.39T
FinancingCashFlow-5.61T-1.56T-161.80B1.38T
CashFlowFromContinuingFinancingActivities-5.61T-1.56T-161.80B1.38T
NetOtherFinancingCharges-54.80B-47.13B94.14B37.72B
CashDividendsPaid-815.93B-866.93B-539.83B-220.27B
CommonStockDividendPaid-815.93B-866.93B-539.83B-220.27B
NetIssuancePaymentsOfDebt-395.05B-641.97B283.89B321.15B
NetShortTermDebtIssuance-435.11B-588.70B-182.88B339.27B
ShortTermDebtPayments-1.45T-1.81T-1.54T-1.32T
ShortTermDebtIssuance1.01T1.22T1.36T1.66T
NetLongTermDebtIssuance40.07B-53.27B466.77B-18.12B
LongTermDebtPayments-51.29B-53.27B-60.26B-18.12B
LongTermDebtIssuance91.36B527.03B1.66T
InvestingCashFlow2.03T-346.50B-847.82B-2.99T
CashFlowFromContinuingInvestingActivities2.03T-346.50B-847.82B-2.99T
NetOtherInvestingChanges-29.99B-32.08B-32.38B-30.59B
DividendsReceivedCFI3.02B4.67B3.62B1.10B
NetInvestmentPurchaseAndSale2.12T-236.02B-742.27B-2.88T
NetBusinessPurchaseAndSale11.79B0.000.00-7.85B
SaleOfBusiness11.79B0.000.00
PurchaseOfBusiness0.000.000.00-7.85B
NetIntangiblesPurchaseAndSale-57.62B-59.95B-56.89B-30.22B
PurchaseOfIntangibles-57.62B-59.95B-56.89B-30.22B
NetPPEPurchaseAndSale-15.93B-23.12B-19.90B-35.37B
SaleOfPPE1.29B3.63B1.33B214.00M
PurchaseOfPPE-17.23B-26.74B-21.23B-35.58B
OperatingCashFlow3.69T1.73T128.61B3.01T
CashFlowFromContinuingOperatingActivities3.69T1.73T128.61B3.01T
ChangeInWorkingCapital1.38T-194.72B-1.02T2.23T
ChangeInOtherWorkingCapital1.12T1.12T645.06B3.92T
ChangeInReceivables1.85T-340.37B-640.68B1.41T
ChangesInAccountReceivables1.85T-340.37B-640.68B1.41T
OtherNonCashItems13.10B-45.93B24.34B24.33B
UnrealizedGainLossOnInvestmentSecurities-1.71B2.32B-5.72B6.57B
AssetImpairmentCharge4.04B2.25B115.00M2.11B
DeferredTax-1.48B44.55B-91.00B20.16B
DeferredIncomeTax-1.48B44.55B-91.00B20.16B
DepreciationAmortizationDepletion94.60B92.31B84.20B76.80B
DepreciationAndAmortization94.60B92.31B84.20B76.80B
AmortizationCashFlow36.27B29.35B21.50B17.83B
AmortizationOfIntangibles36.27B29.35B21.50B17.83B
Depreciation58.34B62.96B62.70B58.97B
OperatingGainsLosses541.37B185.79B-784.94B-504.06B
EarningsLossesFromEquityInvestments-8.73B-13.41B-13.03B-1.79B
NetForeignCurrencyExchangeGainLoss553.40B203.53B-766.81B-500.21B
GainLossOnSaleOfPPE-938.00M-2.97B-1.04B-214.00M
NetIncomeFromContinuingOperations1.25T1.37T1.45T1.06T
SEC Filings

No SEC filings found for this symbol (may be non-US or ticker not in SEC index).

Public Trades for BCH
Date User Asset Broker Type Position Size Entry Price Patterns