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Banco de Credito e Inversiones (BCI) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Banco de Credito e Inversiones CLP 51,819, price CLP 66,100, upside -21.6%, quality 36 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · CL · ISIN CLP321331116

BD Some data Sep 24, 2026

Banco de Credito e Inversiones

BCI · SN

Weak valuationQuality is weak on top of the rich price.

!Fair value 51,819 CLP · Overvalued (−22%)
!Quality 36/100
!Expensive Growth (revenue 5y +10.0 %/yr)
✓Highly profitable · 37.0% net margin (TTM)
!High debt · negative free cash flow
·2.27% dividend yield
!Trails peers (5/13)
✓Wide moat 68/100
!Evidence only medium, so the estimate is less certain
!Weak on valuation: 5 out of 100
!Weak on balance sheet: 20 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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

Price vs Fair Value

68,500 CLP 16,044 CLP Fair Value 51,819 CLP Jun 2021 Sep 2026

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 16,044 CLP – 68,500 CLP · fair‑value band 38,864 CLP – 64,774 CLP · the 66,100 CLP price screens above the 51,819 CLP 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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Company profile

Banco de Crédito e Inversiones provides various banking products and services in Chile, the United States, and Peru.

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Banco de Crédito e Inversiones provides various banking products and services in Chile, the United States, and Peru. 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 66,100 CLP, while our model-based Fair Value estimate is 51,819 CLP, implying the stock looks roughly 27.6% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 47,674 CLP per share, and 0 of the 4 models we run sit above the 66,100 CLP price.

Bear case: the Asset-Based group reads lowest at 22,816 CLP, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: 38,864 CLP (bear) to 64,774 CLP (bull), the price of 66,100 CLP sits above 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 36/100 (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 14.4T CLP (≈ $14.4B) · P/E ratio 14.7 · P/S ratio 4.47 · EPS (TTM) 4,509 CLP · Dividend yield 2.3% · Net margin 30.5% · Return on equity 13.8% · Return on assets (EBIT) 1.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).

What moves the price

The share trades about 4% below its 52-week high and 59% 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 −22%, BCI screens cheaper than that median.

Fair Value models

Bear 38,864 CLP Fair Value 51,819 CLP Bull 64,774 CLP
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 (2,201 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. 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.
Highest evidence
Residual Income 32,684 CLP 40,712 CLP 96,166 CLP 69
P/E Multiple 44,423 CLP 59,231 CLP 74,038 CLP 63
P/B Multiple 35,756 CLP 47,674 CLP 59,593 CLP 55
All 4 models by family
Multiples
P/E Multiple 44,423 CLP 59,231 CLP 74,038 CLP 63
P/B Multiple 35,756 CLP 47,674 CLP 59,593 CLP 55
Asset-Based
NCAV (Graham) 17,027 CLP 22,816 CLP 34,053 CLP 54
Economic Profit
Residual Income 32,684 CLP 40,712 CLP 96,166 CLP 69

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Quality Score breakdown

Overall quality 36/100

Of which business quality 32 · Market factors (momentum, volatility) 81

Profitability 37
Margins and returns on capital today
Quality Growth 55
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 21
Balance sheet, leverage, solvency risk
Investment 66
Disciplined investing over empire-building
Low Volatility 82
Calm price path (market factor)
Momentum 72
Price trend over the last 3–12 months (market factor)
52W Momentum 94
Distance to the 52-week high (market factor)
Net Issuance 40
Share count: buybacks or dilution?

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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.
+13.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.0%
Dividend (yield on the price)2.3%
Profit margin 2015 to 2019 ⓘ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.41% → 28%

BCI screens 28% overvalued. Compare with DBS Group →

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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 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 39 · Bottom 25%
Fair Value upside −22% · Below median
Profitability
Return on equity (TTM) 14% · Top 25%
Return on assets 1% · Above median
Net margin (TTM) 37% · Above median
Operating margin (TTM) 47% · Above median
Growth and dividend
Revenue growth −2% · Bottom 25%
Dividend yield (TTM) 2.3% · Below median
Balance sheet
Debt / equity 1.61× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 14.7× · Pricier than median
P/B 1.94× · Priciest 25%
P/S (TTM) 5.29× · Priciest 25%
PEG 0.71× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)5 · sector 11
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)55 · sector 41
HEALTH (low debt)20 · sector 85
DIVIDEND (yield)45 · sector 53

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
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Banco de Credito e Inversiones · Fair Value
51,819 CLP −28%Fair Value
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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 Sep 24, 2026, our model estimates a fair value of 51,819 CLP versus a price of 66,100 CLP, about −22% upside (overvalued).
What is the fair value of BCI?
Our model-based fair value for Banco de Credito e Inversiones is 51,819 CLP (as of Sep 24, 2026), built from audited fundamentals. The current price: 66,100 CLP.
What is the quality score of BCI?
Banco de Credito e Inversiones has a Quality Score of 36/100. 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 51,819 CLP (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 38,864 CLP, optimistic scenario 64,774 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 51,819 CLP, about −22% upside versus a price of 66,100 CLP (overvalued). Cautious scenario 38,864 CLP, optimistic scenario 64,774 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 2.7T CLP (latest available figure, as of Sep 24, 2026).
Does Banco de Credito e Inversiones pay a dividend?
Banco de Credito e Inversiones currently shows a dividend yield of about 2.27% relative to its recent price (as of Sep 24, 2026).
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 51,819 CLP per share (as of Sep 24, 2026), against a price of 66,100 CLP. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Banco de Credito e Inversiones stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BCI trades above its calculated fair value: price 66,100 CLP, fair value 51,819 CLP, a gap of about −22% (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 (66,100 CLP); the fair value is what the company's own numbers justify (51,819 CLP). For Banco de Credito e Inversiones the two are 14,281 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 14.4T CLP (market capitalisation, as of Sep 24, 2026). Per share that is 66,100 CLP; our models calculate a fair value of 51,819 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 38,864 CLP, base 51,819 CLP, optimistic 64,774 CLP per share (as of Sep 24, 2026, price 66,100 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 14.7 (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 51,819 CLP is built from several models across several years. Other multiples: PEG 0.7, P/B 1.9, P/S 5.3.
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 Sep 24, 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 Sep 24, 2026): return on equity 13.8%, debt of 1.61 per unit of equity. They feed the Quality Score of 36/100, 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 66,100 CLP, about 4% below its 52-week high of 68,500 CLP and 59% above the low of 41,453 CLP (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 51,819 CLP is for.
Which stocks are comparable to Banco de Credito e Inversiones?
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 Credito e Inversiones stock attractive at the current price?
The data as of Sep 24, 2026: price 66,100 CLP, calculated fair value 51,819 CLP (−22%), Quality Score 36/100, 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 BCI calculated?
We run Banco de Credito e Inversiones 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 51,819 CLP, 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 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 Sep 23, 2026 was 66,100 CLP. Our model-based fair value is 51,819 CLP, about −22% upside (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?
The price sits above even our optimistic bull case (64,774 CLP). The favourable scenario is already priced in. Weak quality (36/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 14.4T CLP (≈ $14.4B). 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 4.47 (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 Credito e Inversiones (BCI)?
Earnings per share at Banco de Credito e Inversiones are 4,509 CLP (price ÷ EPS = P/E 14.7). 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 2.3% (payout 33.3%). 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 30.5% (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 Credito e Inversiones (BCI)?
The return on equity (ROE) of Banco de Credito e Inversiones is 13.8% (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 46.8% (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 −2.3% 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 +5.3% 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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