# Banco De Chile ADS (BCH) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $42.35, market value $21.4 billion.

## Valuation
- **P/E (trailing): 16.5×** (5-yr avg 0.0×, 3-yr avg 0.0×). Banco De Chile ADS trades at 16.5× trailing earnings, well above its own five-year average of 0.0×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 13.5×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.0×**. Each dollar of revenue is priced at 0.0×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.0×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: -3418.1%**. Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 6.0%**. The inverse of the P/E: 6.0% of the price is earned each year.

## Profitability
- **Net margin: 39.6%**. 39.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 17.7%**. 17.7% on shareholders' equity is solid.
- **Return on assets: 2.1%**. Each dollar of assets produces 2.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -1.6%** (3-yr -1.3%/yr). Revenue fell 1.6% over the last year.
- **EPS growth (1 yr): -1.3%** (3-yr -5.4%/yr, 5-yr 258.6%/yr). Earnings per share fell 1.3%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 145.7%/yr**. Free cash flow has compounded at 145.7% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $3.01 trillion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 5.17%** ($2.19 per share, trailing). Banco De Chile ADS yields 5.17%, an income-level yield.
- **Payout ratio: 84%**. 84% of earnings goes out as dividends, leaving a thin cushion.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): 20.3%/yr** (1-yr 24.3%). The dividend has compounded at 20.3% a year over five years, doubling roughly every 4 years at that pace.

## Analyst view
- **Analyst consensus: hold** (12 analysts). 12 analysts cover Banco De Chile ADS; the consensus is hold, with an average price target of $39.86 (-6% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 51.0%** (YTD 18.2%, 3-mo 16.1%). The shares are up 51.0% over twelve months including dividends.
- **From 52-week high: -9.5%** (45.5% above the low). Trading 9% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): 1.14** (volatility 31%). Beta of 1.14 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BCH · Page: https://foliofundamentals.com/stocks/bch

Not investment advice.