Bicecorp S.A (BICE) Fair Value & Analysis

Financial Services · CL · Market cap 3.8T CLP

Below-average quality, and screening another 16% overvalued on our models.

What matters now

• Weak quality (30/100) 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.

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 71.77 CLP – 422.46 CLP · fair‑value band 256.66 CLP – 427.77 CLP · the 405.00 CLP price screens above the 342.22 CLP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 25, 2026.

Full chart & analysis →

Which stocks are undervalued right now? Check free Discover now →

Analysis

Bicecorp S.A (BICE) currently trades at 405.00 CLP, while our model-based Fair Value estimate is 342.22 CLP, implying the stock looks roughly 15.5% overvalued today. The Quality Score stands at 30/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, Bicecorp S.A generated revenue of 4.2T CLP at a net margin of 5.9%. Revenue grew 16.8% year over year. It earns a return on equity of 10.7%. Net debt stands at 5.8T CLP. Fundamentals as of Jul 25, 2026

Our scenario range runs from 256.66 CLP (bear case) to 427.77 CLP (bull case); at 405.00 CLP, the current price sits within 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 about 5% below its 52-week high and 61% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -15% fair-value upside, at -16%, BICE screens richer 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.

Widest divergence: Earnings-Based (509.10 CLP) versus Asset-Based (162.61 CLP). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

Bicecorp S.A. provides various financial products and services in Chile. The company provides personal and corporate banking services, treasury services, deposit collections, checking accounts, credit and debit cards, financing for foreign trade activities, working capital and project financing, leasing operation services, document discounting, mortgage and …

Full company description

Bicecorp S.A. provides various financial products and services in Chile. The company provides personal and corporate banking services, treasury services, deposit collections, checking accounts, credit and debit cards, financing for foreign trade activities, working capital and project financing, leasing operation services, document discounting, mortgage and consumer loans, consumer loans, cash management, structuring of syndicated loans, and products and services related to investments and savings. It offers insurance products, including private and pension insurance, individual insurance, group life, health and tax relief insurance, mass insurance, and AFP insurance products. In addition, the company factoring, mortgage mutual funds, automotive financing and leasing, non-bank factoring, securitization, investment banking, and real estate asset management services. The company was incorporated in 1978 and is based in Las Condes, Chile.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2025 · reported fiscal years

Bicecorp S.A reported revenue of 4.1T CLP in FY2025 versus 2.3T CLP in FY2022, a compound +21.6%/yr. Reported net income was 205B CLP in FY2025, compounding −2.6%/yr from FY2022.

BICE screens 16% overvalued. Compare with ORIX Corporation →

Peer Group

Financial Conglomerates · 56 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 Financial Conglomerates 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 Financial Conglomerates stocks, each showing price versus our Fair Value estimate (as of Jul 25, 2026).

Explore undervalued stocks

More undervalued Financial Services stocks →

Frequently asked questions

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.