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Upturn AI Summary - About
Banco De Chile(BCH)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BCH
10/15/2026: BCH (3-star) is currently NOT-A-BUY. Pass it for now.
Banco de Chile is a leading, established financial institution in the Chilean banking sector known for its robust balance sheet and long-standing brand reputation. The company effectively serves retail and corporate clients through an extensive physical and digital network. A primary growth opportunity lies in its ongoing digital transformation and the expansion of high-margin wealth management services. However, investors should monitor risks associated with high concentration in the local Chilean economy, fluctuating net interest margins, and increasing competition from digital-first fintech firms. The stock is generally well-suited for value and dividend-focused investors seeking exposure to a stable, regulated banking market with a history of consistent shareholder distributions.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to the maturity of the Chilean economy rather than rapid technological disruption. |
| Momentum investor | Weak fit | This stock is generally a slow-moving utility-like financial play rather than a high-momentum asset. |
| Value investor | Strong fit | The bank is often priced based on stable earnings and consistent book value growth. |
| Dividend investor | Strong fit | The bank maintains a history of regular and meaningful dividend distributions for its shareholders. |
| Low-risk investor | Strong fit | As a major, established institution in a regulated market, it offers relative stability compared to emerging market growth stocks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | As an ADR, it is subject to currency fluctuations between the Chilean Peso and the US Dollar. |
| Valuation risk | Low | The stock is typically valued based on stable earnings multiples consistent with the banking sector. |
| Competition risk (traditional and fintech) | Medium / high | Rising competition from agile digital platforms could pressure market share and margins. |
| Business quality | Strong | The bank possesses a long-standing reputation and a deep integration into the Chilean financial system. |
| Dividend income | Low | The dividend yield is generally reliable, though subject to board approval and profitability. |
| Execution risk | Medium | The success of digital transformation initiatives is critical for future operational efficiency. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 42.51% | Avg. Invested days 63 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/15/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 19.72B USD | Price to earnings Ratio 15.02 | 1Y Target Price 41.03 |
Price to earnings Ratio 15.02 | 1Y Target Price 41.03 | ||
Volume (30-day avg) 353.0K shares | Beta 0.06 | 52 Weeks Range 30.55 - 44.09 | Updated Date 10/15/2026 |
52 Weeks Range 30.55 - 44.09 | Updated Date 10/15/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.6 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and investments minus interest paid on deposits. | The bank makes the most money from the difference between what it earns on loans and pays on savings. |
| Fee-based Services | Account maintenance, card fees, brokerage, and financial advisory services. | Steady income is generated from standard banking service fees. |
| Geography: Chile | All operations are concentrated within the Chilean market. | The bank's performance is tied directly to the economic health and stability of Chile. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 15.02 | Forward PE 15.17 | Enterprise Value 12.51T | Price to Sales(TTM) 6.6 |
Enterprise Value 12.51T | Price to Sales(TTM) 6.6 | ||
Enterprise Value to Revenue 10.73 | Enterprise Value to EBITDA - | Shares Outstanding 505.09M | Shares Floating 189.10M |
Shares Outstanding 505.09M | Shares Floating 189.10M | ||
Percent Insiders - | Percent Institutions 2.4 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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