Banvida S.A (BANVIDA) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Banvida S.A stock CLP 896, price CLP 767, upside +16.9%, quality 61 out of 100. Rating: undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range 98.37 CLP – 800.10 CLP · fair‑value band 672.37 CLP – 1,121 CLP · the 766.99 CLP price screens below the 896.49 CLP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Banvida S.A. provides financial services in Chile. The company provides financial services, such as life and general insurance, credit, and consumer loans, and investment services.
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The company also offers life annuities, life annuity reinsurance, traditional insurance, health, mortgage protection, life and total insurance, stockbrokerage, mortgage loan management, mutual funds, and banking. The company was founded in 1998 and is based in Santiago, Chile.
Banvida S.A. is a subsidiary of Inversiones Teval S.A.
Stock analysis
Banvida S.A (BANVIDA) currently trades at 766.99 CLP, while our model-based Fair Value estimate is 896.49 CLP, implying the stock looks roughly 14% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 796.18 CLP per share, and 1 of the 4 models we run sit above the 766.99 CLP price.
Bear case: the Asset-Based group reads lowest at 316.29 CLP, and 3 of the 4 models stay below the price. Data coverage for this calculation is low.
Scenario range: 672.37 CLP (bear) to 1,121 CLP (bull), the price of 766.99 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 61/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Banvida S.A reported revenue of 0 CLP in FY2025 versus 249M CLP in FY2021. Reported net income was 139B CLP in FY2025, compounding +0.8%/yr from FY2021.
Key figures
Market cap 1.2T CLP (≈ $1.3B) Small · P/E ratio 9.0 · EPS (TTM) 84.79 CLP · Dividend yield 3.0% · Return on equity 18.7% · Return on assets (EBIT) −0.1% (5-year average) · EPS growth (YoY) −60.0% · Free cash flow 41.4B CLP.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 78 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 32% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −59% fair-value upside, at 17%, BANVIDA screens cheaper than that median.
Fair Value models
Bear672.37 CLPFair Value 896.49 CLPBull1,121 CLP
Price 766.99 CLP · Upside +16.9%
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 (52.99 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.
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.39/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+0.0%
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.
+5.2%
’17
’18
’19
’20
’21
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+10.5%
Dividend (yield on the price)3.0%
Profit margin 2017 to 2021 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−175% → −261%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+20.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Chile: IMF forecast 3.0% a year to 2030, 4.5% from 2016 to 2025) that is about +16.9% a year for the price.
Price, fair value, quality and upside side by side.
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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.Insurance Brokers · 31 stocks
Beats the industry median on 6/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score61 · Below median
Fair Value upside+16.9% · Top 25%
Profitability
Return on equity (12 months)18.7% · Above median
Return on assets16.3% · Top 25%
Operating margin (12 months)0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)0.0% · Below median
Dividend yield (12 months)3.0% · Below median
Balance sheet
Debt / equity0.10× · Below median
Valuation Multiplesvs Insurance Brokers median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Banvida S.A Fair Value". https://www.fairvalue-calculator.com/stock/BANVIDA
Frequently asked questions
Is Banvida S.A (BANVIDA) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of 896.49 CLP versus a price of 766.99 CLP, about +17% upside (undervalued).
What is the fair value of BANVIDA?
Our model-based fair value for Banvida S.A is 896.49 CLP (as of Nov 5, 2026), built from audited fundamentals. The current price: 766.99 CLP.
What is the quality score of BANVIDA?
Banvida S.A has a Quality Score of 61/100. 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 Banvida S.A (BANVIDA)?
Our model-based price target is the fair value of 896.49 CLP (as of Nov 5, 2026) from 4 valuation models. Cautious scenario 672.37 CLP, optimistic scenario 1,121 CLP. It is a calculation from audited fundamentals, not an analyst target.
What is the Banvida S.A stock forecast for 2026?
Our models put fair value at 896.49 CLP, about +17% upside versus a price of 766.99 CLP (undervalued). Cautious scenario 672.37 CLP, optimistic scenario 1,121 CLP. The calculation is refreshed regularly with new filings.
Does Banvida S.A pay a dividend?
Banvida S.A currently shows a dividend yield of 3.00% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Banvida S.A (BANVIDA) and when is the ex-dividend date?
Banvida S.A pays a dividend of 23.00 CLP per share a year, a dividend yield of 3.0%. The last ex-dividend date was May 4, 2026. A dividend has been paid every year since 2013. The payout ratio is 27.1% of earnings. Free cash flow covers the dividend 1.12 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into Banvida S.A (BANVIDA)?
For today's price to be fair in a discounted-cash-flow model, Banvida S.A would have to grow free cash flow by +20.4 % per year for five years (discount rate 10.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew +10.8 % per year. As of Nov 5, 2026.
What discount rate (WACC) does the fair value of BANVIDA use?
Our models discount Banvida S.A at 10.6 %: a base by market capitalisation (small), damped by beta 0.20, country premium for Chile. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Banvida S.A that is +20.4 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (10.6 %) and the same formula as our fair value.
How much growth has Banvida S.A (BANVIDA) delivered so far?
Over the past 4 years revenue at Banvida S.A grew +10.8 % a year. The price currently implies free-cash-flow growth of +20.4 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Banvida S.A (BANVIDA) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Banvida S.A (+20.4 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Banvida S.A (BANVIDA)?
The free-cash-flow yield on the price is 3.37 %: that much free cash flow Banvida S.A produces per unit of market value. When it exceeds the discount rate of our models (10.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Banvida S.A (BANVIDA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banvida S.A it is 896.49 CLP per share (as of Nov 5, 2026), against a price of 766.99 CLP. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Banvida S.A stock overvalued or undervalued in 2026?
As of Nov 5, 2026, BANVIDA trades below its calculated fair value: price 766.99 CLP, fair value 896.49 CLP, a gap of about +17% (undervalued). 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 BANVIDA?
No. The price is what the market pays today (766.99 CLP); the fair value is what the company's own numbers justify (896.49 CLP). For Banvida S.A the two are 129.50 CLP per share apart. That gap is exactly why we show both numbers side by side.
How much is Banvida S.A worth?
The market values Banvida S.A at about 1.2T CLP (market capitalisation, as of Nov 5, 2026). Per share that is 766.99 CLP; our models calculate a fair value of 896.49 CLP per share.
What do the bullish and bearish scenarios say about BANVIDA?
Our models span a range for Banvida S.A: cautious scenario 672.37 CLP, base 896.49 CLP, optimistic 1,121 CLP per share (as of Nov 5, 2026, price 766.99 CLP). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BANVIDA?
Banvida S.A trades at a price-to-earnings ratio of 9.0 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 896.49 CLP is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2020 to 2025), reported earnings: 5.2. Other multiples: EV/EBITDA 0.5.
How solid is the balance sheet of Banvida S.A (BANVIDA)?
Balance-sheet figures for Banvida S.A (as of Nov 5, 2026): return on equity 18.7%, debt of 0.10 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is BANVIDA from its 52-week high?
Banvida S.A trades at 766.99 CLP, about 4% below its 52-week high of 800.10 CLP and 32% above the low of 581.74 CLP (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 896.49 CLP is for.
Which stocks are comparable to Banvida S.A?
From the same area (Financial Services) we also value Marsh & McLennan Companies, Inc, Arthur J. Gallagher & Co, Aon plc, Willis Towers Watson Public Limited, 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 Banvida S.A stock attractive at the current price?
The data as of Nov 5, 2026: price 766.99 CLP, calculated fair value 896.49 CLP (+17%), Quality Score 61/100, from 4 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 BANVIDA calculated?
We run Banvida S.A through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 896.49 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. Banvida S.A currently trades 14% below its own fair value, and the market average says nothing about that. 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 Banvida S.A (BANVIDA)?
The closing price on Nov 6, 2026 was 766.99 CLP. Our model-based fair value is 896.49 CLP, about +17% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banvida S.A right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Banvida S.A
How large is the market capitalisation of Banvida S.A (BANVIDA)?
The market capitalisation of Banvida S.A is 1.2T CLP (≈ $1.3B). 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 are the earnings per share of Banvida S.A (BANVIDA)?
Earnings per share at Banvida S.A are 84.79 CLP (price ÷ EPS = P/E 9.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banvida S.A (BANVIDA)?
The dividend yield of Banvida S.A is 3.0% (payout 27.1%). 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 return on equity of Banvida S.A (BANVIDA)?
The return on equity (ROE) of Banvida S.A is 18.7% (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 Banvida S.A (BANVIDA)?
On an EBIT basis the return on assets of Banvida S.A is −0.1% (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.
How fast are earnings growing at Banvida S.A (BANVIDA)?
Earnings per share at Banvida S.A are growing −60.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Banvida S.A (BANVIDA) carry?
The net debt of Banvida S.A is 75.6B CLP (fiscal year 2025, ≈ 1.8 yrs of FCF). 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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Nov 5, 2026