Banco De Chile (BCH) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Banco De Chile $54.38, price $41.80, upside +30.1%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $10.69 – $43.70 · fair‑value band $40.79 – $67.98 · the $41.80 price screens below the $54.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Banco de Chile, together with its subsidiaries, provides commercial banking services in Chile. It operates through four segments: Retail Banking, Wholesale Banking, Treasury, and Subsidiaries.
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Banco de Chile, together with its subsidiaries, provides commercial banking services in Chile. It operates through four segments: Retail Banking, Wholesale Banking, Treasury, and Subsidiaries. The company offers current account and digital student plans; digital and checking accounts; mortgage loans; credit and debit cards; consumer credit; applications; deposits and savings; financing; autoleasing; online payments; cell phone top-ups; foreign currency; and income accreditation. It also provides insurance products, including journey, health, protection, home, life, and automotive; and investments, such as mutual, investment, and APV funds, stocks, fixed income, and derivative products. In addition, the company offers cash management comprising mass and easy payments, collection, and fund transfers; foreign trade, which includes imports, exports, international network products, Banchile international transport insurance, and customs guarantee insurance; and other services, such as bank connection, financial portability, digital VAT and signature, financial advice, and SME program. It serves individuals, private entities, companies, and small and medium-sized enterprises. The company was founded in 1893 and is headquartered in Santiago, Chile.
Stock analysis
Banco De Chile (BCH) currently trades at $41.80, while our model-based Fair Value estimate is $54.38, implying the stock looks roughly 23.1% undervalued today.
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Valuation
How firm this estimate is: it rests on 24 models at a data quality of 95/100, which puts the evidence level at medium.
Scenario range: $40.79 (bear) to $67.98 (bull), the price of $41.80 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 60/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Banco De Chile reported revenue of $3.0T in FY2025 versus $3.0T in FY2021, a compound 0.0%/yr. Reported net income was $1.2T in FY2025, compounding +3.1%/yr from FY2021.
Key figures
Market cap $21.1B · P/E ratio 16.9 · P/S ratio 6.67 · EPS (TTM) $2.47 · Dividend yield 5.4% · Net margin 39.4% · Return on equity 20.9% · Return on assets (EBIT) 2.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (medium confidence).
What moves the price
The share trades about 4% below its 52-week high and 49% 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 30%, BCH screens cheaper than that median.
Fair Value models
Bear $40.79Fair Value $54.38Bull $67.98
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.81 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.Evidence ⓘEvidence = 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.94/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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.
+15.3%
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.
+11.2%
Revenue growth 24 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.
+9.1%
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What shareholders gained per year (last 5 years) ⓘ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.
+20.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.6%
Dividend (yield on the price)5.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.15% vs 7%, picking up
Profit margin 2020 to 2025 ⓘ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.20% → 50%
News mood ⓘNews mood, the average tone of recent news (95 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.
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.Banks - Regional · 1074 stocks
Beats the industry median on 7/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score61 · Top 25%
Fair Value upside+30% · Top 25%
Profitability
Return on equity (TTM)21% · Top 25%
Return on assets2% · Top 25%
Net margin (TTM)44% · Top 25%
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth−8% · Bottom 25%
Dividend yield (TTM)5.4% · Top 25%
Balance sheet
Debt / equity1.54× · Highest 25%
Valuation Multiplesvs Banks - Regional 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). "Banco De Chile Fair Value". https://www.fairvalue-calculator.com/stock/BCH
Frequently asked questions
Is Banco De Chile (BCH) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $54.38 versus a price of $41.80, about +30% upside (undervalued).
What is the fair value of BCH?
Our model-based fair value for Banco De Chile is $54.38 (as of Sep 24, 2026), built from audited fundamentals. The current price: $41.80.
What is the quality score of BCH?
Banco De Chile has a Quality Score of 60/100. 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 Chile (BCH)?
Our model-based price target is the fair value of $54.38 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $40.79, optimistic scenario $67.98. It is a calculation from audited fundamentals, not an analyst target.
What is the Banco De Chile stock forecast for 2026?
Our models put fair value at $54.38, about +30% upside versus a price of $41.80 (undervalued). Cautious scenario $40.79, optimistic scenario $67.98. The calculation is refreshed regularly with new filings.
What is the revenue of Banco De Chile (BCH)?
Banco De Chile reported trailing-twelve-month revenue of about $2.7T (latest available figure, as of Sep 24, 2026).
Does Banco De Chile pay a dividend?
Banco De Chile currently shows a dividend yield of about 5.39% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Banco De Chile (BCH)?
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 Chile it is $54.38 per share (as of Sep 24, 2026), against a price of $41.80. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Banco De Chile stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BCH trades below its calculated fair value: price $41.80, fair value $54.38, a gap of about +30% (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 BCH?
No. The price is what the market pays today ($41.80); the fair value is what the company's own numbers justify ($54.38). For Banco De Chile the two are $12.58 per share apart. That gap is exactly why we show both numbers side by side.
How much is Banco De Chile worth?
The market values Banco De Chile at about $21.1B (market capitalisation, as of Sep 24, 2026). Per share that is $41.80; our models calculate a fair value of $54.38 per share.
What do the bullish and bearish scenarios say about BCH?
Our models span a range for Banco De Chile: cautious scenario $40.79, base $54.38, optimistic $67.98 per share (as of Sep 24, 2026, price $41.80). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BCH?
Banco De Chile trades at a price-to-earnings ratio of 16.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $54.38 is built from several models across several years. Other multiples: PEG 2.7.
What is the PEG ratio of BCH?
The PEG ratio of Banco De Chile is 2.75 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Banco De Chile (BCH)?
Balance-sheet figures for Banco De Chile (as of Sep 24, 2026): return on equity 20.9%, debt of 1.54 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is BCH from its 52-week high?
Banco De Chile trades at $41.80, about 4% below its 52-week high of $43.70 and 49% above the low of $28.10 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $54.38 is for.
Which stocks are comparable to Banco De Chile?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank 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 Banco De Chile stock attractive at the current price?
The data as of Sep 24, 2026: price $41.80, calculated fair value $54.38 (+30%), Quality Score 60/100, 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 BCH calculated?
We run Banco De Chile through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $54.38, 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 14.1 % above its aggregate fair value. Banco De Chile currently trades 30 % 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 Banco De Chile (BCH)?
The closing price on Sep 23, 2026 was $41.80. Our model-based fair value is $54.38, about +30% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banco De Chile right now?
Solid quality (60/100) 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.
Where does the earnings growth of Banco De Chile (BCH) come from?
Earnings per share at Banco De Chile grew +8.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.7 %, EBIT margin +3.1 %, tax rate −1.0 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Banco De Chile
How large is the market capitalisation of Banco De Chile (BCH)?
The market capitalisation of Banco De Chile is $21.1B. 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 Chile (BCH)?
The price-to-sales ratio of Banco De Chile is 6.67 (P/E × margin). 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 Chile (BCH)?
Earnings per share at Banco De Chile are $2.47 (price ÷ EPS = P/E 16.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banco De Chile (BCH)?
The dividend yield of Banco De Chile is 5.4% (payout 91.2%). 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 Chile (BCH)?
The net margin of Banco De Chile is 39.4% (fiscal year 2025). 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 Chile (BCH)?
The return on equity (ROE) of Banco De Chile is 20.9% (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 Chile (BCH)?
On an EBIT basis the return on assets of Banco De Chile is 2.9% (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 is revenue growing at Banco De Chile (BCH)?
Revenue at Banco De Chile is growing −7.9% versus a year earlier (3y avg −17.1%). 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 Chile (BCH)?
Earnings per share at Banco De Chile are growing −18.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banco De Chile (BCH) generate?
The free cash flow of Banco De Chile is $749B (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 Chile (BCH) carry?
The net debt of Banco De Chile is $10.5T (fiscal year 2025, ≈ 14.1 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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Sep 24, 2026