Banvida S.A (BANVIDA) Fair Value & Analysis
Financial Services · CL · Market cap 1.2T CLP
Fair value as of: Jul 25, 2026
From 4 valuation models · updated 16 days ago
Share price +1.5% over the past month.
A solid business, screening 45% undervalued on our models.
What matters now
- The price is below even our cautious bear case (849.06 CLP). The market is more pessimistic than our downside scenario.
- Solid quality (59/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 25, 2026.
How to read this chart
60‑month range 98.37 CLP – 780.00 CLP · fair‑value band 849.06 CLP – 1,415 CLP · the 780.00 CLP price screens below the 1,132 CLP fair value. Dashed = 300-day average. As of Jul 25, 2026.
Analysis
Banvida S.A (BANVIDA) currently trades at 780.00 CLP, while our model-based Fair Value estimate is 1,132 CLP, implying the stock looks roughly 45.1% undervalued today. The Quality Score stands at 59/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.
It earns a return on equity of 21.0%. Net debt stands at 75.6B CLP. The stock trades on a trailing P/E of 8.1. Fundamentals as of Jul 25, 2026
Our scenario range runs from 849.06 CLP (bear case) to 1,415 CLP (bull case); at 780.00 CLP, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 66% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -38% fair-value upside, at 45%, BANVIDA screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Economic Profit (779.97 CLP) versus Asset-Based (316.29 CLP). Highest evidence: P/E Multiple (63).
Key figures & financial health
Figures from reported company fundamentals · as of Jul 25, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 91
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
Watch BANVIDA: get an alert when its fair value changes →
Peer Group
Insurance Brokers · 36 stocks
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.
Valuation Multiples vs Insurance Brokers median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Jul 25, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Marsh & McLennan Companies, Inc MRSH | $182.18 | $112.25 | -38% |
| Aon plc AON | $367.21 | $224.91 | -39% |
| Arthur J. Gallagher & Co AJG | $253.09 | $75.58 | -70% |
| Willis Towers Watson Public Limited WTW | $285.12 | $220.92 | -23% |
| Brown & Brown, Inc BRO | $67.66 | $40.43 | -40% |
| Erie Indemnity Company ERIE | $227.31 | $157.43 | -31% |
| PB Fintech Limited POLICYBZR | ₹1,574 | ₹188.49 | -88% |
| Neptune Insurance Holdings NP | $31.03 | $3.52 | -89% |
| CorVel Corporation CRVL | $62.29 | $47.59 | -24% |
| Accelerant Holdings ARX | $13.52 | $18.06 | +34% |
Compare Banvida S.A with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Banvida S.A (BANVIDA) overvalued or undervalued?
What is the fair value of BANVIDA?
What is the quality score of BANVIDA?
What is the net profit margin of BANVIDA?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Banvida S.A and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.