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Upturn AI SWOT - About
BCH 
Banco De Chile (BCH)
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Upturn Advisory Summary
07/09/2025: BCH (2-star) is a SELL. SELL since 2 days. Profits (5.66%). Updated daily EoD!
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $28.09
1 Year Target Price $28.09
| 2 | Strong Buy |
| 0 | Buy |
| 7 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.3% | Avg. Invested days 50 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/09/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 14.99B USD | Price to earnings Ratio 10.82 | 1Y Target Price 28.09 |
Price to earnings Ratio 10.82 | 1Y Target Price 28.09 | ||
Volume (30-day avg) 11 | Beta 0.12 | 52 Weeks Range 20.39 - 31.84 | Updated Date 07/9/2025 |
52 Weeks Range 20.39 - 31.84 | Updated Date 07/9/2025 | ||
Dividends yield (FY) 6.92% | 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 46.21% | Operating Margin (TTM) 59.21% |
Management Effectiveness
Return on Assets (TTM) 2.24% | Return on Equity (TTM) 23.44% |
Valuation
Trailing PE 10.82 | Forward PE 10.82 | Enterprise Value 10819996745728 | Price to Sales(TTM) 0.01 |
Enterprise Value 10819996745728 | Price to Sales(TTM) 0.01 | ||
Enterprise Value to Revenue 8.65 | Enterprise Value to EBITDA - | Shares Outstanding 505084992 | Shares Floating 33007331254 |
Shares Outstanding 505084992 | Shares Floating 33007331254 | ||
Percent Insiders - | Percent Institutions 2.6 |
Upturn AI SWOT
Banco De Chile
Company Overview
History and Background
Banco de Chile, founded in 1893 through the merger of Banco Nacional de Chile, Banco de Valparau00edso, and Banco Agru00edcola, is the oldest bank in Chile. It has played a crucial role in the country's economic development and has evolved into one of its leading financial institutions.
Core Business Areas
- Retail Banking: Offers a range of products and services to individuals, including checking and savings accounts, loans, credit cards, mortgages, and investment products.
- Corporate Banking: Provides financial solutions to businesses of all sizes, including loans, lines of credit, trade finance, cash management, and investment banking services.
- SME Banking: Focuses on providing tailored financial solutions to small and medium-sized enterprises (SMEs), including loans, credit lines, and business advisory services.
- Investment Banking: Offers investment banking services, including underwriting, mergers and acquisitions advisory, and asset management.
Leadership and Structure
The bank is led by a Board of Directors and an executive management team. The organizational structure includes various divisions focusing on different business segments and support functions.
Top Products and Market Share
Key Offerings
- Checking Accounts: Banco de Chile offers various checking account options for individuals and businesses. Market share data is not readily available, but they are a major player in this area. Competitors include Banco Santander Chile, Banco Estado and Scotiabank Chile
- Credit Cards: The bank provides a range of credit cards with various rewards and benefits. Market share is significant within Chile. Competitors include Banco Santander Chile, Banco Estado and Scotiabank Chile
- Mortgages: Banco de Chile offers mortgage loans for both residential and commercial properties. They hold a substantial part of the mortgage market. Competitors include Banco Santander Chile, Banco Estado and Scotiabank Chile
- Corporate Loans: A large product offering that caters to the Chilean corporate landscape. Competitors include Banco Santander Chile, Scotiabank Chile, and Itau00fa Corpbanca.
Market Dynamics
Industry Overview
The Chilean banking industry is relatively concentrated, with a few large players dominating the market. The industry is heavily regulated and has been experiencing growth due to increasing demand for financial services.
Positioning
Banco de Chile is one of the leading banks in Chile, known for its strong brand reputation, extensive branch network, and wide range of products and services. It benefits from its long history and established relationships with customers.
Total Addressable Market (TAM)
The total addressable market for banking services in Chile is estimated to be in the billions of dollars. Banco de Chile holds a significant market share and is well-positioned to capture future growth opportunities.
Upturn SWOT Analysis
Strengths
- Strong Brand Reputation
- Extensive Branch Network
- Wide Range of Products and Services
- Established Customer Relationships
- Strong Financial Performance
Weaknesses
- Relatively High Operating Costs
- Exposure to Economic Fluctuations in Chile
- Increasing Competition from Fintech Companies
- Dependence on the Chilean Market
Opportunities
- Expansion into New Markets
- Development of New Products and Services
- Investment in Technology
- Acquisition of Smaller Banks
Threats
- Economic Downturn in Chile
- Increased Competition
- Regulatory Changes
- Cybersecurity Threats
- Increase in Interest Rates
Competitors and Market Share
Key Competitors
- BSAC (Banco Santander Chile)
- BCH (Itau00fa Corpbanca)
Competitive Landscape
Banco de Chile competes with other large Chilean banks and international banks operating in the country. Its strengths include its brand reputation and extensive network, while its weaknesses include higher operating costs. There is also increasing competition from smaller, and emerging fintech companies.
Growth Trajectory and Initiatives
Historical Growth: Growth Trends will be provided here
Future Projections: Future Projections will be provided here
Recent Initiatives: Recent Initiatives will be provided here
Summary
Banco de Chile is a leading financial institution with a long history and strong brand reputation. It benefits from its extensive network and wide range of products. However, it faces increasing competition and economic uncertainty, requiring strategic initiatives for sustained growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market conditions and company performance can change over time.
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 is a subsidiary of LQ Inversiones Financieras S.A.
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