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Upturn AI SWOT - About
BCH 
Banco De Chile (BCH)
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Upturn Advisory Summary
08/29/2025: BCH (2-star) is currently NOT-A-BUY. Pass it for now.
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 $29.15
1 Year Target Price $29.15
| 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 PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 14.51B USD | Price to earnings Ratio 11.18 | 1Y Target Price 29.15 |
Price to earnings Ratio 11.18 | 1Y Target Price 29.15 | ||
Volume (30-day avg) 11 | Beta 0.12 | 52 Weeks Range 20.39 - 31.84 | Updated Date 08/30/2025 |
52 Weeks Range 20.39 - 31.84 | Updated Date 08/30/2025 | ||
Dividends yield (FY) 7.32% | Basic EPS (TTM) 2.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 45.68% | Operating Margin (TTM) 58.2% |
Management Effectiveness
Return on Assets (TTM) 2.28% | Return on Equity (TTM) 22.37% |
Valuation
Trailing PE 11.18 | Forward PE 11.01 | Enterprise Value 10878858559488 | Price to Sales(TTM) 0.01 |
Enterprise Value 10878858559488 | Price to Sales(TTM) 0.01 | ||
Enterprise Value to Revenue 8.85 | Enterprise Value to EBITDA - | Shares Outstanding 505084992 | Shares Floating 34932716820 |
Shares Outstanding 505084992 | Shares Floating 34932716820 | ||
Percent Insiders - | Percent Institutions 2.87 |
Upturn AI SWOT
Banco De Chile
Company Overview
History and Background
Banco de Chile was founded in 1893 through the merger of Banco Nacional de Chile, Banco Agru00edcola, and Banco de Valparau00edso. It has since become one of the largest and most reputable banks in Chile, playing a crucial role in the country's economic development.
Core Business Areas
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, loans, credit cards, and investment products.
- Corporate Banking: Offers financial solutions to businesses, including loans, trade finance, cash management, and investment banking services.
- SME Banking: Focuses on providing financial services tailored to small and medium-sized enterprises, including loans, lines of credit, and business advisory services.
- Investment Banking: Offers services related to financial markets, including securities trading, asset management, and financial advisory for companies and institutional investors.
Leadership and Structure
Banco de Chile's leadership team typically comprises a board of directors and a management team headed by a CEO. The organizational structure involves various divisions and departments responsible for different business segments and functions, such as finance, operations, and risk management.
Top Products and Market Share
Key Offerings
- Current Accounts: Transactional accounts for individuals and businesses. Banco de Chile holds a significant market share (estimated 25%) in current accounts. Competitors include Banco Santander Chile, Scotiabank Chile, and Banco Estado.
- Mortgage Loans: Loans for purchasing real estate. Competitors include Banco Santander Chile, Scotiabank Chile, and Banco Estado.
- Credit Cards: Credit cards with various benefits and rewards programs. Banco de Chile's market share is estimated at 22%. Competitors are Transbank which supports many banks.
- Corporate Loans: Providing financial services to larger corporations with various lending and financial services. Banco de Chile's market share is estimated at 27%. Competitors are Banco Santander Chile and Itau00fa Corpbanca.
Market Dynamics
Industry Overview
The Chilean banking industry is relatively consolidated, with a few major players dominating the market. The industry is influenced by macroeconomic factors, regulatory changes, and technological advancements. There is increasing competition and demand for more sophisticated financial services.
Positioning
Banco de Chile holds a strong position in the Chilean banking market due to its long history, extensive branch network, and wide range of financial products and services. Its competitive advantages include its brand reputation, customer base, and financial strength.
Total Addressable Market (TAM)
The TAM for banking services in Chile is estimated to be in the tens of billions of USD annually. Banco de Chile is well-positioned to capture a significant portion of this market with its established presence and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Extensive branch network
- Diversified product offerings
- Strong capital base
- Experienced management team
Weaknesses
- Relatively high operating costs
- Exposure to economic fluctuations in Chile
- Dependence on traditional banking channels
- Slow to adopt technological advancements
Opportunities
- Expanding into new markets and customer segments
- Leveraging technology to improve efficiency and customer service
- Developing new and innovative financial products
- Acquiring smaller banks or financial institutions
- Increase wealth management services to clients
Threats
- Increasing competition from domestic and international banks
- Regulatory changes and compliance costs
- Cybersecurity risks
- Economic downturns
- Political instability
Competitors and Market Share
Key Competitors
- BSAC (Banco Santander Chile)
- ITCB (Itau00fa Corpbanca)
- Echeverria (Banco Estado)
Competitive Landscape
Banco de Chile benefits from a strong brand and a large branch network. However, it faces increasing competition from other banks and fintech companies. Maintaining a competitive edge will require innovation and adaptation to changing customer preferences.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would be assessed by analyzing past revenue, earnings, and asset growth rates. This section would highlight the company's growth trends and performance over the years.
Future Projections: Future projections would be based on analyst estimates, industry trends, and company guidance. This section would provide insights into expected revenue, earnings, and growth rates for the coming years.
Recent Initiatives: Recent strategic initiatives include expansion of digital banking services, partnerships with fintech companies, and investments in technology infrastructure.
Summary
Banco de Chile is a well-established and reputable bank in Chile with a strong market position. Its extensive branch network and diverse product offerings provide a solid foundation for growth. However, it faces increasing competition and needs to adapt to technological changes to maintain its competitive edge. The company will need to be mindful of local and international regulation changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports
- Industry analysis
- Financial news sources
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is dynamic and may have changed since the time of analysis. Real-time market data was not available.
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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