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Banco de Chile (CHILE.SN)

CLP188.93 +3.93 (+2.12%)
CL SGO Financial Services Banks - Regional
Address Ahumada 251
Santiago de Chile, CL
CEO Eduardo Ebensperger Orrego
IPO 2008-01-02
ISIN CLP0939W1081

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Also trades on New York Stock Exchange · BCH (USD) Santiago Stock Exchange · CHILE.SN (CLP)
Description

Banco de Chile is a leading financial institution based in Chile, offering a broad spectrum of banking and financial services. The company's operations are strategically divided into Retail Banking, Wholesale Banking, and Treasury and Money Market segments. It serves a diverse clientele, from individual customers and small to medium-sized businesses to large corporations and corporate clients. Its product portfolio features various deposit options, including checking, current, demand, savings, and time accounts. The bank also provides a wide range of loan products, such as commercial, mortgage, consumer, working capital, syndicated, and installment loans, alongside credit card services. Additionally, it facilitates leasing, factoring, foreign trade, international and treasury banking, and offers financial advisory services. Banco de Chile further specializes in liquidity management, debt instruments, derivative contracts, and leasing solutions, as well as financial transaction and currency trading. The institution is also involved in securities brokerage, mutual fund management, specialized wholesale customer services, investment banking and management, and insurance brokerage. As of December 31, 2021, it maintained a substantial physical network comprising 272 branches and 1,761 ATMs. Established in 1893, its main office is located in Santiago, Chile.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
CLP188.93 +3.93 (+2.12%)
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Volume Profile
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Liquidity & share structure
Average Volume
93M
Beta
0.12
Float Shares
45.08B
Free Float %
44.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.15% -5.88% -8.23% -15.82% -9.28% -8.31% +11.37% +77.21% +110.84% +138.88% -90.95%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (8 ratings, all time) Buy
Price Targets & DCF
Current price
188.93
DCF (Unlevered) 317.96 +68.3%
DCF (Levered) 687.62 +264.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 25% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 1 0
Hold 6 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.37
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    -4.0% Q1'26: +0.4% (vs Q1'25)
  • EPS growth
    -1.3% Q1'26: -18.4% (vs Q1'25)
  • FCF margin
    Q1'26: +43.5% (vs Q1'25)
  • EBIT margin
    Q1'26: +34.1% (vs Q1'25)
  • ROIC
    Q1'26: +6.1% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 9.64× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.14) × ERP
WACC = 53% × Ke + 47% × Kd (9.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 315.32 Current price: 188.93
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
5 Rev. Ana.
6 EPS Ana.
Dec 2027
8 Rev. Ana.
7 EPS Ana.
Dec 2028
6 Rev. Ana.
4 EPS Ana.
Revenue
2.34T
est: 1.74T (+34.2%)
2.40T
est: 1.69T (+42.4%)
2.33T
est: 1.68T (+38.8%)
2.50T
est: 1.78T (+40.2%)
2.73T
est: 1.99T (+37.2%)
2.49T
est: 1.94T (+28.1%)
3.03T
est: 2.12T (+43.0%)
5.31T
est: 3.01T (+76.4%)
5.09T
est: 2.88T (+76.8%)
4.65T
est: 3.07T (+51.4%)
4.46T
est: 3.01T (+48.1%)
3.22T
3.11T – 3.32T
+6.7% YoY
3.47T
3.33T – 3.66T
+7.9% YoY
3.73T
3.71T – 3.75T
+7.5% YoY
EBITDA
724.05B
est: 610.66B (+18.6%)
710.84B
est: 591.16B (+20.2%)
724.98B
est: 589.25B (+23.0%)
801.08B
est: 625.35B (+28.1%)
847.95B
est: 697.80B (+21.5%)
578.21B
est: 680.55B (-15.0%)
1.41T
est: 742.02B (+89.9%)
1.82T
est: 1.06T (+72.4%)
1.79T
est: 1.08T (+66.2%)
1.68T
est: 1.15T (+46.2%)
1.55T
est: 1.13T (+38.1%)
1.20T
1.16T – 1.24T
+6.7% YoY
1.30T
1.24T – 1.37T
+7.9% YoY
1.39T
1.39T – 1.40T
+7.5% YoY
EBIT
692.23B
est: 572.61B (+20.9%)
675.26B
est: 554.32B (+21.8%)
687.44B
est: 552.53B (+24.4%)
763.40B
est: 586.38B (+30.2%)
777.41B
est: 654.32B (+18.8%)
504.85B
est: 638.14B (-20.9%)
1.33T
est: 695.78B (+91.5%)
1.74T
est: 989.62B (+75.3%)
1.70T
est: 1.02T (+65.8%)
1.58T
est: 1.09T (+45.1%)
1.50T
est: 1.07T (+40.2%)
1.14T
1.11T – 1.18T
+6.7% YoY
1.23T
1.18T – 1.30T
+7.9% YoY
1.33T
1.32T – 1.33T
+7.5% YoY
Net Income
609.90B
est: 560.65B (+8.8%)
575.05B
est: 550.24B (+4.5%)
572.08B
est: 569.01B (+0.5%)
603.63B
est: 616.08B (-2.0%)
603.74B
est: 594.56B (+1.5%)
401.63B
est: 439.77B (-8.7%)
1.06T
est: 676.15B (+56.2%)
1.45T
est: 1.35T (+7.1%)
1.37T
est: 1.40T (-1.7%)
1.25T
est: 1.22T (+2.3%)
1.19T
est: 1.13T (+5.3%)
1.28T
1.19T – 1.34T
+12.8% YoY
1.38T
1.30T – 1.49T
+8.3% YoY
1.44T
1.43T – 1.59T
+4.0% YoY
SGA
659.95B
est: 419.72B (+57.2%)
711.99B
est: 406.32B (+75.2%)
716.70B
est: 405.00B (+77.0%)
740.59B
est: 429.81B (+72.3%)
769.53B
est: 479.61B (+60.4%)
746.16B
est: 467.76B (+59.5%)
693.62B
est: 510.00B (+36.0%)
1.03T
est: 725.39B (+41.7%)
1.15T
est: 638.71B (+80.8%)
1.19T
est: 680.70B (+74.2%)
912.76B
est: 668.14B (+36.6%)
713.17B
690.44B – 737.19B
+6.7% YoY
769.70B
737.78B – 811.71B
+7.9% YoY
827.43B
823.26B – 831.60B
+7.5% YoY
EPS
6.00
est: 5.55 (+8.1%)
5.39
est: 5.45 (-1.0%)
5.66
est: 5.63 (+0.5%)
5.89
est: 6.10 (-3.4%)
5.87
est: 5.89 (-0.3%)
3.98
est: 4.35 (-8.6%)
7.85
est: 6.69 (+17.3%)
13.95
est: 13.37 (+4.4%)
13.60
est: 13.83 (-1.7%)
11.95
est: 11.69 (+2.2%)
11.80
est: 11.57 (+2.0%)
12.56
11.80 – 13.31
+8.5% YoY
13.74
12.86 – 14.73
+9.4% YoY
14.87
14.17 – 15.72
+8.2% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 B+ 3/5 5/5 5/5 4/5 1/5 2/5 1/5
2026-05-08 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-05-07 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-05-06 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-05-05 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-05-04 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-04-30 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-04-29 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-04-28 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-04-27 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-04-24 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-04-23 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-04-22 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-04-21 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-04-20 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-04-17 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-04-16 B+ 3/5 5/5 5/5 5/5 1/5 2/5 1/5
2026-04-15 A- 4/5 5/5 5/5 5/5 1/5 3/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
558.23B
OE per share TTM
5.53
Owner's Yield
3.48%
Maintenance CapEx ratio
1.93%
Maint CapEx / Avg PPE
10.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 131 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 iShares MSCI Chile ETF ECH 11.76% 123.74M 0.59%
2 iShares Latin America 40 ETF ILF 1.48% 55.49M 0.47%
3 Franklin FTSE Latin America ETF FLLA 1.14% 1.25M 0.19%
4 iShares MSCI EM Latin America UCITS ETF DLTM.L 1.13% 22.49M 0.20%
5 Hartford Multifactor Emerging Markets ETF ROAM 0.54% 591.0K 0.44%
6 Invesco FTSE Emerging Markets High Dividend Low Volatility UCITS ETF EMHD.L 0.43% 1.22M 0.49%
7 JPMorgan Diversified Return Emerging Markets Equity ETF JPEM 0.38% 1.45M 0.44%
8 Franklin Emerging Market Core Dividend Tilt Index ETF DIEM 0.22% 158.3K 0.19%
9 HSBC MSCI Emerging Markets Climate Paris Aligned UCITS ETF HPEM.L 0.19% 74.2K 0.18%
10 KraneShares MSCI Emerging Markets ex China Index ETF KEMX 0.18% 238.7K 0.59%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
129.22M
Shares Outstanding
101.02B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Hernan Buchi Buc Director 207M male
Cristian Lagos Contardo Manager of People & Organisation Division male
Eduardo Ebensperger Orrego Chief Executive Officer male
Esteban Kemp De La Hoz Manager of Marketing, Technology & Digital Division male
Felipe Echaiz Bornemann Manager of Global Compliance Division male
Hector Hernandez Gonzalez General Manager of Accounting male
Pablo Camilo Mejia Ricci Head of Investor Relations male
Rodrigo Aravena Chief Economist & Senior Vice President of Institutional Relations male
Alfredo Villegas Montes General Counsel & Secretary of the Board of Directors male
Rolando Arias Sanchez Chief Financial Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits