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BCH 
Banco De Chile (BCH)
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Upturn Advisory Summary
11/28/2025: BCH (3-star) is a STRONG-BUY. BUY since 59 days. Simulated Profits (27.08%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $32.49
1 Year Target Price $32.49
| 2 | Strong Buy |
| 0 | Buy |
| 7 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 36.35% | Avg. Invested days 51 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 19.08B USD | Price to earnings Ratio 13.94 | 1Y Target Price 32.49 |
Price to earnings Ratio 13.94 | 1Y Target Price 32.49 | ||
Volume (30-day avg) 11 | Beta 0.11 | 52 Weeks Range 20.39 - 38.00 | Updated Date 11/30/2025 |
52 Weeks Range 20.39 - 38.00 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 5.57% | Basic EPS (TTM) 2.71 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 45.6% | Operating Margin (TTM) 57.94% |
Management Effectiveness
Return on Assets (TTM) 2.29% | Return on Equity (TTM) 21.96% |
Valuation
Trailing PE 13.94 | Forward PE 13.85 | Enterprise Value 12578095890432 | Price to Sales(TTM) 0.01 |
Enterprise Value 12578095890432 | Price to Sales(TTM) 0.01 | ||
Enterprise Value to Revenue 10.42 | Enterprise Value to EBITDA - | Shares Outstanding 505085406 | Shares Floating 34696336850 |
Shares Outstanding 505085406 | Shares Floating 34696336850 | ||
Percent Insiders - | Percent Institutions 2.73 |
Upturn AI SWOT
Banco De Chile
Company Overview
History and Background
Banco de Chile, founded in 1893, is one of the oldest and largest banks in Chile. It has played a pivotal role in Chile's economic development and has expanded its services over time.
Core Business Areas
- Retail Banking: Provides a wide range of financial products and services to individuals, including checking and savings accounts, loans, credit cards, and investment products.
- Commercial Banking: Offers financial solutions to small and medium-sized enterprises (SMEs), including loans, lines of credit, factoring, and treasury management services.
- Corporate Banking: Caters to large corporations with specialized financial solutions such as syndicated loans, project finance, and investment banking services.
- Treasury and Investment: Manages the bank's investment portfolio and provides investment services to clients.
Leadership and Structure
The bank is led by a Board of Directors and a management team headed by the CEO. It operates with a hierarchical structure, with various divisions reporting to senior management.
Top Products and Market Share
Key Offerings
- Current Accounts: Banco de Chile holds a significant market share in current accounts, serving a broad customer base. Competitors include Banco Santander Chile and Banco Estado. Market share for all banks is fragmented.
- Credit Cards: Offers a variety of credit cards with different rewards programs and benefits. Competitors include Banco Santander Chile, Falabella, and retailers' cards. Market share for all banks is fragmented.
- Mortgages: Provides mortgage loans for residential properties. Competitors include Banco Santander Chile, Banco Estado, and Scotiabank Chile. Market share for all banks is fragmented.
- SME Loans: Offers loans specifically tailored for small and medium sized enterprises, which include working capital loans. Competitors include Banco Santander Chile, Banco Estado, and Scotiabank Chile. Market share for all banks is fragmented.
Market Dynamics
Industry Overview
The Chilean banking industry is characterized by a concentrated market structure with a few large players dominating the sector. It is heavily regulated, with relatively high levels of capital adequacy.
Positioning
Banco de Chile is one of the leading banks in Chile, known for its strong brand recognition, extensive branch network, and wide range of financial services. Its competitive advantage lies in its long-standing reputation and large customer base.
Total Addressable Market (TAM)
The total addressable market in Chile is estimated in the hundreds of billions USD. Banco de Chile holds a significant portion, estimated at 20-25% of the banking sector's total assets.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive branch network
- Diversified product and service offerings
- Strong financial performance
- Experienced management team
Weaknesses
- Exposure to the Chilean economy
- Dependence on interest income
- Potential for increased competition
- Operational inefficiencies in some areas
Opportunities
- Expansion into new market segments
- Development of innovative financial products
- Leveraging digital technologies
- Capitalizing on economic growth in Chile
Threats
- Economic downturn in Chile
- Increased competition from fintech companies
- Changes in regulatory environment
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- SAN
- BCH
- EBCO
Competitive Landscape
Banco de Chile has a strong competitive position but faces competition from domestic and international banks, as well as fintech companies. Its advantages include brand recognition and extensive distribution network. Disadvantages include reliance on the Chilean economy and relatively higher operating costs.
Major Acquisitions
No acquisitions listed.
- Year: 2000
- Acquisition Price (USD millions): 0
- Strategic Rationale:
Growth Trajectory and Initiatives
Historical Growth: Banco de Chile has demonstrated steady growth over the past years, driven by expansion in loan portfolios and fee income. Growth rates depend on the performance of the overall Chilean economy.
Future Projections: Future growth projections for Banco de Chile depend on Chile's economic outlook and the bank's ability to adapt to changing market conditions and regulatory requirements. Analysts project moderate growth in the coming years.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion into new market segments such as wealth management, and sustainability-focused financial products.
Summary
Banco de Chile is a strong, established bank with a solid market position in Chile. Its strengths lie in its brand recognition, distribution network, and diversified services. However, it faces risks from economic fluctuations and increased competition, and must adapt to new technologies to sustain long-term growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company reports, financial news outlets, market research reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and professional consultation.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Banco De Chile
Exchange NYSE | Headquaters - | ||
IPO Launch date 2002-01-08 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 11614 | Website https://bancochile.cl |
Full time employees 11614 | Website https://bancochile.cl | ||
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.
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