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Upturn AI SWOT - About
BCH 
Banco De Chile (BCH)
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Upturn Advisory Summary
10/30/2025: BCH (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $30.81
1 Year Target Price $30.81
| 2 | Strong Buy |
| 0 | Buy |
| 7 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.88% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/30/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 17.43B USD | Price to earnings Ratio 12.99 | 1Y Target Price 30.81 |
Price to earnings Ratio 12.99 | 1Y Target Price 30.81 | ||
Volume (30-day avg) 11 | Beta 0.14 | 52 Weeks Range 20.39 - 35.30 | Updated Date 10/30/2025 |
52 Weeks Range 20.39 - 35.30 | Updated Date 10/30/2025 | ||
Dividends yield (FY) 6.11% | Basic EPS (TTM) 2.65 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-28 | When - | Estimate 0.6161 | Actual - |
Profitability
Profit Margin 45.6% | Operating Margin (TTM) 57.84% |
Management Effectiveness
Return on Assets (TTM) 2.29% | Return on Equity (TTM) 21.96% |
Valuation
Trailing PE 12.99 | Forward PE 11.64 | Enterprise Value -2655455805440 | Price to Sales(TTM) 0.01 |
Enterprise Value -2655455805440 | Price to Sales(TTM) 0.01 | ||
Enterprise Value to Revenue 9.05 | Enterprise Value to EBITDA - | Shares Outstanding 505085406 | Shares Floating 34932716820 |
Shares Outstanding 505085406 | Shares Floating 34932716820 | ||
Percent Insiders - | Percent Institutions 3.07 |
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 A. Edwards y Cu00eda., and Banco Mobiliario, is one of the oldest banks in Chile. It has played a significant role in the country's economic development, adapting to various economic cycles and technological advancements.
Core Business Areas
- Retail Banking: Offers a range of financial products and services to individuals, including checking and savings accounts, credit cards, loans, mortgages, and investment products.
- Commercial Banking: Provides financial solutions to small and medium-sized enterprises (SMEs), including loans, lines of credit, cash management services, and trade finance.
- Corporate Banking: Caters to large corporations with complex financial needs, offering services such as corporate loans, investment banking, treasury management, and international trade financing.
- Treasury and Investment: Manages the bank's assets and liabilities, including investment portfolios, foreign exchange operations, and money market activities.
Leadership and Structure
Banco de Chile is headed by a Board of Directors and an executive management team. The organizational structure is hierarchical, with different divisions responsible for specific business areas. Current CEO is Eduardo Ebensperger Orrego.
Top Products and Market Share
Key Offerings
- Current Accounts: Banco de Chile offers current accounts for individuals and businesses, providing transaction capabilities and overdraft facilities. They lead in market share for current accounts in Chile with about 24.2%. Competitors are Banco Santander Chile and Banco Estado.
- Market Share (%): 24.2
- Credit Cards: Banco de Chile offers a variety of credit cards with different features and benefits. Banco De Chile holds about 21.2% of the credit card market share in Chile. Competitors are Banco Santander Chile and Transbank.
- Market Share (%): 21.2
- Market Share (%): 25.2
- Mortgages: Banco de Chile provides mortgage loans for residential properties. Banco de Chile's mortgage market share is about 25.2% in Chile. Competitors are Banco Santander Chile and Scotiabank Chile.
Market Dynamics
Industry Overview
The Chilean banking industry is relatively concentrated, with a few large players dominating the market. The industry is subject to regulations by the Chilean Superintendency of Banks and Financial Institutions (SBIF).
Positioning
Banco de Chile is one of the leading banks in Chile, known for its strong brand, extensive branch network, and diverse range of financial products and services. It competes with other large domestic and international banks.
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 due to its established presence and comprehensive offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive branch network
- Diverse range of financial products and services
- Strong capital base
- Well-established customer base
Weaknesses
- Exposure to the Chilean economy
- Operational inefficiencies compared to fintech companies
- Reliance on traditional banking channels
- High operational costs
- Regulatory restrictions
Opportunities
- Expansion into new markets
- Development of innovative financial products and services
- Adoption of digital technologies
- Growth in the Chilean economy
- Increasing demand for financial services
Threats
- Economic downturn in Chile
- Increased competition from fintech companies
- Changes in government regulations
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- SAN (Banco Santander)
- BCH (Banco Credito e Inversiones)
Competitive Landscape
Banco de Chile is a strong competitor with its established brand and large customer base. However, it faces increasing competition from both traditional banks and fintech companies.
Major Acquisitions
CrediCorp
- Year: 2017
- Acquisition Price (USD millions): 110
- Strategic Rationale: Expansion in the credit card market, customer base increased.
Growth Trajectory and Initiatives
Historical Growth: Banco de Chile's growth has been historically linked to the Chilean economy and its ability to adapt to changing market conditions.
Future Projections: Future growth projections depend on various factors, including economic growth, interest rates, and regulatory changes. Analyst estimates are needed for specifics.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of its SME lending program, and efforts to enhance customer service.
Summary
Banco de Chile is a well-established financial institution in Chile, boasting a strong brand and extensive network. It faces increasing competition from fintech and economic uncertainty. The company's focus on digital transformation and customer service will be critical for sustained growth. Navigating regulatory changes and adapting to evolving consumer preferences will be key challenges.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Banco de Chile Annual Reports
- Chilean Superintendency of Banks and Financial Institutions (SBIF)
- Industry Reports
Disclaimers:
This analysis is based on available information and is subject to change. It is not financial advice.
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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