Banco de Credito e Inversiones (BCI) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Banco de Credito e Inversiones stock CLP 41,417, price CLP 60,500, that is 31.5% below the price, quality 39 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Banco de Credito e Inversiones
BCI · SNOur calculation puts a fair price 32% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range 16,044 CLP – 68,500 CLP · fair‑value band 32,898 CLP – 62,334 CLP · the 60,500 CLP price screens above the 41,417 CLP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
Banco de Crédito e Inversiones provides various banking products and services in Chile, the United States, and Peru.
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It offers checking and current accounts; debit and credit cards; consumer and mortgage loans; factoring and leasing financing solutions; corporate finance and agency solutions; transactional services; and foreign exchange, hedging and structuring of derivatives, fixed income products, and international trade services.
The company also provides money market and medium- and long-term mutual funds, foreign currency, and forward and fixed income instrument alternatives products; transactional services, such as payments, collection, cash pooling, electronic statement, and fund transfer services; commercial vehicle, private use vehicle, commercial fire, and transport and engineering insurance, as well as mortgage protection, fire, and earthquake insurance.
In addition, it offers financing solutions, including short-term and long-term commercial credit, guarantee certificate, factoring, ordering, overdraft line, and leasing. The company was incorporated in 1937 and is based in Santiago, Chile.
Banco de Crédito e Inversiones operates as a subsidiary of Empresas Juan Yarur SpA.
Stock analysis
Banco de Credito e Inversiones (BCI) currently trades at 60,500 CLP, while our model-based Fair Value estimate is 41,417 CLP, 32% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 51,819 CLP per share, and 0 of the 6 models we run sit above the 60,500 CLP price.
Bear case: the Dividend Discount group reads lowest at 20,043 CLP, and 6 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 32,898 CLP (bear) to 62,334 CLP (bull), the price of 60,500 CLP sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Banco de Credito e Inversiones reported revenue of 3.3T CLP in FY2025 versus 2.2T CLP in FY2021, a compound +10.9%/yr. Reported net income was 996B CLP in FY2025, compounding +17.6%/yr from FY2021.
Key figures
Market cap 13.2T CLP (≈ $13.6B) Large · P/E ratio 12.0 · P/S ratio 4.60 · EPS (TTM) 5,039 CLP · Dividend yield 2.5% · Net margin 38.3% · Return on equity 14.2% · Return on assets (EBIT) 1.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 27% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −32%, BCI screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
BCI screens overvalued: fair value 32% below the price. Compare with China Merchants Bank Co →
Recent news
- Banco de Credito e Inversiones SA (XSGO:BCI) (Q3 2026) Earnings Call Highlights: Net Income Up ...
- Banco de Credito e Inversiones SA (XSGO:BCI) Q3 2025 Earnings Call Highlights: Strong ...
- Banco de Credito e Inversiones SA (XSGO:BCI) Q4 2024 Earnings Call Highlights: Strong Financial ...
Compare Banco de Credito e Inversiones with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- P/B ratio by industry
- Net margin by industry
- Stock screener with 62 metrics
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs BCI |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs BCI |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs BCI |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs BCI |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs BCI |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs BCI |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs BCI |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs BCI |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs BCI |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs BCI |
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Key figures of Banco de Credito e Inversiones
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