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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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Financial Services CL · ISIN CLP321331116

BD Banco de Credito e Inversiones logo Some data Nov 6, 2026

Banco de Credito e Inversiones

BCI · SN
Expensive, weak quality

Our calculation puts a fair price 32% below what the stock costs today.

Highly profitable · 38.3% net margin (TTM)
2.5% dividend yield · Low payout
Upbeat coverage
Expensive Growth (revenue 5y +10.0 %/yr in CLP)
Wide moat 68/100 · thin data
Some data
Fair value 41,417 CLP · Overvalued
Quality 39/100
Trails peers (5/13)

Risks from the AI analysis

🚩Fintechs and digital banks pressuring margins🚩Evolving regulation increasing compliance burden🚩Advanced AI driving fraud risks and obsolescence
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What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

68,500 CLP 16,044 CLP Fair Value 41,417 CLP Jul 2021 Nov 2026

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

Bear 32,898 CLP Fair Value 41,417 CLP Bull 62,334 CLP
Price 60,500 CLP · Downside -31.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (3,035 CLP per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income 32,898 CLP 41,417 CLP 62,334 CLP 75
Gordon GGM 10,345 CLP 21,836 CLP 35,254 CLP 66
DDM Multi-Stage 10,345 CLP 18,250 CLP 22,869 CLP 66
All 6 models by family
Dividend Discount
Gordon GGM 10,345 CLP 21,836 CLP 35,254 CLP 66
DDM Multi-Stage 10,345 CLP 18,250 CLP 22,869 CLP 66
Multiples
P/E Multiple 44,423 CLP 59,231 CLP 74,038 CLP 63
P/B Multiple 33,306 CLP 44,407 CLP 55,509 CLP 55
Asset-Based
NCAV (Graham) 15,860 CLP 21,252 CLP 31,720 CLP 54
Economic Profit
Residual Income 32,898 CLP 41,417 CLP 62,334 CLP 75

Open the full fair value analysis →

Quality Score breakdown

Overall quality 39/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 37
How much profit the company makes from its sales and capital
Quality Growth 55
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 21
Debt, balance sheet and risk of trouble
Investment 66
Does it invest with discipline instead of growing at any price?
Low Volatility 82
How calm the share price moves, does not count
Price momentum 47
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 61
Distance to the 52-week high, does not count
New shares 40
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 59/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+7.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−1.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.0%
Start year 2020 (pandemic). Over 10 years: +12.9% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.9%
What shareholders gained per year (last 5 years), in CLP ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in CLP: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+13.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.0%
Dividend (yield on the price)2.5%

BCI screens overvalued: fair value 32% below the price. Compare with China Merchants Bank Co →

Recent news

News mood ⓘNews mood, the average tone of recent news (3 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

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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

Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 39 · Bottom 25%
Fair Value upside −31.5% · Below median
Profitability
Return on equity (12 months) 14.2% · Top 25%
Return on assets 1.2% · Above median
Net margin (12 months) 38.3% · Top 25%
Operating margin (12 months) 48.6% · Above median
Growth and dividend
Revenue growth (quarter YoY) −1.3% · Bottom 25%
Dividend yield (12 months) 2.5% · Below median
Balance sheet
Debt / equity 1.61× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.0× · Pricier than median
P/B 1.78× · Priciest 25%
P/S (12 months) 4.60× · Priciest 25%
PEG 0.71× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)57 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)50 · sector 53

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

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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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Banco de Credito e Inversiones: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Banco de Credito e Inversiones Fair Value". https://www.fairvalue-calculator.com/stock/BCI

Frequently asked questions

Is Banco de Credito e Inversiones (BCI) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of 41,417 CLP versus a price of 60,500 CLP, about 32% lower (overvalued).
What is the fair value of BCI?
Our model-based fair value for Banco de Credito e Inversiones is 41,417 CLP (as of Nov 6, 2026), built from audited fundamentals. The current price: 60,500 CLP.
What is the quality score of BCI?
Banco de Credito e Inversiones has a Quality Score of 39/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Banco de Credito e Inversiones (BCI)?
Our model-based price target is the fair value of 41,417 CLP (as of Nov 6, 2026) from 6 valuation models. Cautious scenario 32,898 CLP, optimistic scenario 62,334 CLP. It is a calculation from audited fundamentals, not an analyst target.
What is the Banco de Credito e Inversiones stock forecast for 2026?
Our models put fair value at 41,417 CLP, about 32% lower versus a price of 60,500 CLP (overvalued). Cautious scenario 32,898 CLP, optimistic scenario 62,334 CLP. The calculation is refreshed regularly with new filings.
What is the revenue of Banco de Credito e Inversiones (BCI)?
Banco de Credito e Inversiones reported trailing-twelve-month revenue of about 2.9T CLP (latest available figure, as of Nov 6, 2026).
Does Banco de Credito e Inversiones pay a dividend?
Banco de Credito e Inversiones currently shows a dividend yield of 2.48% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Banco de Credito e Inversiones (BCI) and when is the ex-dividend date?
Banco de Credito e Inversiones pays a dividend of 1,500 CLP per share a year, a dividend yield of 2.5%. The last ex-dividend date was Apr 2, 2026. A dividend has been paid every year since at least 1997. The payout ratio is 29.8% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Banco de Credito e Inversiones (BCI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banco de Credito e Inversiones it is 41,417 CLP per share (as of Nov 6, 2026), against a price of 60,500 CLP. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Banco de Credito e Inversiones stock overvalued or undervalued in 2026?
As of Nov 6, 2026, BCI trades above its calculated fair value: price 60,500 CLP, fair value 41,417 CLP, a gap of about −32% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BCI?
No. The price is what the market pays today (60,500 CLP); the fair value is what the company's own numbers justify (41,417 CLP). For Banco de Credito e Inversiones the two are 19,083 CLP per share apart. That gap is exactly why we show both numbers side by side.
How much is Banco de Credito e Inversiones worth?
The market values Banco de Credito e Inversiones at about 13.2T CLP (market capitalisation, as of Nov 6, 2026). Per share that is 60,500 CLP; our models calculate a fair value of 41,417 CLP per share.
What do the bullish and bearish scenarios say about BCI?
Our models span a range for Banco de Credito e Inversiones: cautious scenario 32,898 CLP, base 41,417 CLP, optimistic 62,334 CLP per share (as of Nov 6, 2026, price 60,500 CLP). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BCI?
Banco de Credito e Inversiones trades at a price-to-earnings ratio of 12.0 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 41,417 CLP is built from several models across several years. Other multiples: PEG 0.7, P/B 1.8, P/S 4.6.
What is the PEG ratio of BCI?
The PEG ratio of Banco de Credito e Inversiones is 0.71 (P/E divided by earnings growth, as of Nov 6, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Banco de Credito e Inversiones (BCI)?
Balance-sheet figures for Banco de Credito e Inversiones (as of Nov 6, 2026): return on equity 14.2%, debt of 1.61 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is BCI from its 52-week high?
Banco de Credito e Inversiones trades at 60,500 CLP, about 12% below its 52-week high of 68,500 CLP and 27% above the low of 47,793 CLP (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 41,417 CLP is for.
Which stocks are comparable to Banco de Credito e Inversiones?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Banco de Credito e Inversiones stock attractive at the current price?
The data as of Nov 6, 2026: price 60,500 CLP, calculated fair value 41,417 CLP (−32%), Quality Score 39/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BCI calculated?
We run Banco de Credito e Inversiones through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 41,417 CLP builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Banco de Credito e Inversiones itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Banco de Credito e Inversiones (BCI)?
The closing price on Nov 6, 2026 was 60,500 CLP. Our model-based fair value is 41,417 CLP, about 32% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banco de Credito e Inversiones right now?
Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (32,898 CLP to 62,334 CLP) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Banco de Credito e Inversiones

How large is the market capitalisation of Banco de Credito e Inversiones (BCI)?
The market capitalisation of Banco de Credito e Inversiones is 13.2T CLP (≈ $13.6B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Banco de Credito e Inversiones (BCI)?
The price-to-sales ratio of Banco de Credito e Inversiones is 4.60 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Banco de Credito e Inversiones (BCI)?
Earnings per share at Banco de Credito e Inversiones are 5,039 CLP (price ÷ EPS = P/E 12.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banco de Credito e Inversiones (BCI)?
The dividend yield of Banco de Credito e Inversiones is 2.5% (payout 29.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Banco de Credito e Inversiones (BCI)?
The net margin of Banco de Credito e Inversiones is 38.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Banco de Credito e Inversiones (BCI)?
The return on equity (ROE) of Banco de Credito e Inversiones is 14.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Banco de Credito e Inversiones (BCI)?
On an EBIT basis the return on assets of Banco de Credito e Inversiones is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Banco de Credito e Inversiones (BCI)?
The operating margin of Banco de Credito e Inversiones is 48.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banco de Credito e Inversiones (BCI)?
Revenue at Banco de Credito e Inversiones is growing −1.3% versus a year earlier (3y avg −1.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Banco de Credito e Inversiones (BCI)?
Earnings per share at Banco de Credito e Inversiones are growing −2.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banco de Credito e Inversiones (BCI) generate?
The free cash flow of Banco de Credito e Inversiones is −366B CLP (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Banco de Credito e Inversiones (BCI) carry?
The net debt of Banco de Credito e Inversiones is 7.9T CLP (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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