Banco de Chile

BCH

Banks - Regional · Financial Services

Price

$40.14

+0.22 (+0.55%)

Market Cap

$20.27B

Exchange

New York Stock Exchange

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Banco de Chile is one of the largest banks in Chile, offering everyday financial services to regular people, businesses, and large corporations. Its core products include checking and savings accounts, loans, credit cards, mortgages, and investment services. It is one of the two dominant private banks in Chile, competing mainly with Banco Santander Chile for the top market position.

The bank earns money primarily through interest on loans, fees for banking services, and income from financial transactions. It operates almost entirely within Chile, making it closely tied to the health of the Chilean economy. Banco de Chile benefits from strong brand recognition and a large, established customer base built over more than 120 years of operation. The main risk the bank faces is exposure to Chile's economic cycles, including copper price swings that heavily influence the country's overall growth and consumer borrowing demand.

Winston Score History

Share count broadly stable

+0.0% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 505.1M (2021) → 505.2M (2025)

Score breakdown

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Quality

Gross Margin

62.8%

Premium pricing power — 62.8% gross margin

Operating Margin

34.1%

Excellent — 34.1% operating margin

ROCE

1.9%

Weak — 1.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-32.5%

Shrinking sales (-32.5% YoY)

EPS YoY

-7.8%

Earnings shrinking (-7.8% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

-80%

Weak — only -80% of profit becomes cash

FCF Margin

-31.3%

Burning cash (-31.3%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

2.53

Heavy debt load (2.53)

Interest Cover

1.46x

Dangerous — barely covers interest (1.5x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

0.0x

Attractive valuation — P/E 0.0

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

+0.0

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

5.50%

Healthy income — 5.50% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

+107.1%

Dividend growing fast (107.1% YoY)

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