Banco Itau Chile (ITAUCL) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Banco Itau Chile stock CLP 19,249, price CLP 22,080, that is 12.8% below the price, quality 42 out of 100. Rating: overvalued. Calculated from audited financials with 6 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 5,963 CLP – 24,200 CLP · fair‑value band 17,473 CLP – 23,271 CLP · the 22,080 CLP price screens above the 19,249 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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Banco Itaú Chile provides various banking products and services in Chile and Colombia. It offers savings accounts, time deposits, and checking and current accounts; debit and credit cards; and consumer, mortgage, universal, college, and post graduate credit services, as well as real estate loans.
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The company also provides corporate, investment, retail, private, and personal banking, as well as treasury and other financial services. In addition, it offers investment, mutual funds, open investment platform, and brokerage services.
Further, the company provides auto, home, theft, life, health, and travel insurance. The company was founded in 1871 and is based in Santiago, Chile.
Stock analysis
Banco Itau Chile (ITAUCL) currently trades at 22,080 CLP, while our model-based Fair Value estimate is 19,249 CLP, 13% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 24,571 CLP per share, and 2 of the 6 models we run sit above the 22,080 CLP price.
Bear case: the Dividend Discount group reads lowest at 6,964 CLP, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 17,473 CLP (bear) to 23,271 CLP (bull), the price of 22,080 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 42/100 (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 Itau Chile reported revenue of 1.5T CLP in FY2025 versus 1.4T CLP in FY2021, a compound +3.0%/yr. Reported net income was 428B CLP in FY2025, compounding +11.9%/yr from FY2021.
Key figures
Market cap 4.8T CLP (≈ $4.9B) Mid · P/E ratio 11.9 · P/S ratio 3.33 · EPS (TTM) 1,858 CLP · Dividend yield 5.4% · Net margin 28.0% · Return on equity 9.5% · Return on assets 0.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 37% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −13%, ITAUCL screens cheaper than that median.
Fair Value models
Bear17,473 CLPFair Value 19,249 CLPBull23,271 CLP
Price 22,080 CLP · Downside -12.8%
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 (573.34 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.41/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−5.8%
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.
+1.5%
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.
+7.1%
Start year 2020 (pandemic)
Revenue growth 6 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.
+4.8%
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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.
News mood ⓘNews mood, the average tone of recent news (50 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.Very negative
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 · 998 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score42 · Bottom 25%
Fair Value upside−12.8% · Above median
Profitability
Return on equity (12 months)9.5% · Below median
Return on assets1.0% · Above median
Net margin (12 months)18.7% · Bottom 25%
Operating margin (12 months)−3.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)17.7% · Above median
Dividend yield (12 months)5.4% · Top 25%
Balance sheet
Debt / equity2.70× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)11.9× · Pricier than median
P/B1.11× · Cheaper than median
P/S (12 months)3.53× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)16· sector 8
FUTURE (revenue growth)89· sector 47
PAST (return on equity)38· sector 43
HEALTH (low debt)–
DIVIDEND (yield)100· sector 53
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
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.
Is Banco Itau Chile (ITAUCL) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of 19,249 CLP versus a price of 22,080 CLP, about 13% lower (overvalued).
What is the fair value of ITAUCL?
Our model-based fair value for Banco Itau Chile is 19,249 CLP (as of Nov 5, 2026), built from audited fundamentals. The current price: 22,080 CLP.
What is the quality score of ITAUCL?
Banco Itau Chile has a Quality Score of 42/100. 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 Itau Chile (ITAUCL)?
Our model-based price target is the fair value of 19,249 CLP (as of Nov 5, 2026) from 6 valuation models. Cautious scenario 17,473 CLP, optimistic scenario 23,271 CLP. It is a calculation from audited fundamentals, not an analyst target.
What is the Banco Itau Chile stock forecast for 2026?
Our models put fair value at 19,249 CLP, about 13% lower versus a price of 22,080 CLP (overvalued). Cautious scenario 17,473 CLP, optimistic scenario 23,271 CLP. The calculation is refreshed regularly with new filings.
What is the revenue of Banco Itau Chile (ITAUCL)?
Banco Itau Chile reported trailing-twelve-month revenue of about 1.4T CLP (latest available figure, as of Nov 5, 2026).
Does Banco Itau Chile pay a dividend?
Banco Itau Chile currently shows a dividend yield of 5.38% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Banco Itau Chile (ITAUCL) and when is the ex-dividend date?
Banco Itau Chile pays a dividend of 1,187 CLP per share a year, a dividend yield of 5.4%. The last ex-dividend date was Apr 15, 2026. A dividend has been paid every year since 2022. The payout ratio is 63.9% of earnings. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What is the intrinsic value of Banco Itau Chile (ITAUCL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banco Itau Chile it is 19,249 CLP per share (as of Nov 5, 2026), against a price of 22,080 CLP. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Banco Itau Chile stock overvalued or undervalued in 2026?
As of Nov 5, 2026, ITAUCL trades above its calculated fair value: price 22,080 CLP, fair value 19,249 CLP, a gap of about −13% (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 ITAUCL?
No. The price is what the market pays today (22,080 CLP); the fair value is what the company's own numbers justify (19,249 CLP). For Banco Itau Chile the two are 2,831 CLP per share apart. That gap is exactly why we show both numbers side by side.
How much is Banco Itau Chile worth?
The market values Banco Itau Chile at about 4.8T CLP (market capitalisation, as of Nov 5, 2026). Per share that is 22,080 CLP; our models calculate a fair value of 19,249 CLP per share.
What do the bullish and bearish scenarios say about ITAUCL?
Our models span a range for Banco Itau Chile: cautious scenario 17,473 CLP, base 19,249 CLP, optimistic 23,271 CLP per share (as of Nov 5, 2026, price 22,080 CLP). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ITAUCL?
Banco Itau Chile trades at a price-to-earnings ratio of 11.9 (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 19,249 CLP is built from several models across several years. Other multiples: P/B 1.1, P/S 3.5.
How solid is the balance sheet of Banco Itau Chile (ITAUCL)?
Balance-sheet figures for Banco Itau Chile (as of Nov 5, 2026): return on equity 9.5%, debt of 2.70 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is ITAUCL from its 52-week high?
Banco Itau Chile trades at 22,080 CLP, about 9% below its 52-week high of 24,200 CLP and 37% above the low of 16,145 CLP (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 19,249 CLP is for.
Which stocks are comparable to Banco Itau Chile?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 Itau Chile stock attractive at the current price?
The data as of Nov 5, 2026: price 22,080 CLP, calculated fair value 19,249 CLP (−13%), Quality Score 42/100, from 6 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 ITAUCL calculated?
We run Banco Itau Chile through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 19,249 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 13.0% above its aggregate fair value. Banco Itau Chile 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 Itau Chile (ITAUCL)?
The closing price on Nov 6, 2026 was 22,080 CLP. Our model-based fair value is 19,249 CLP, about 13% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banco Itau Chile right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the upper half of our model range, so the margin of safety is thin. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Key figures of Banco Itau Chile
How large is the market capitalisation of Banco Itau Chile (ITAUCL)?
The market capitalisation of Banco Itau Chile is 4.8T CLP (≈ $4.9B). 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 Itau Chile (ITAUCL)?
The price-to-sales ratio of Banco Itau Chile is 3.33 (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 Itau Chile (ITAUCL)?
Earnings per share at Banco Itau Chile are 1,858 CLP (price ÷ EPS = P/E 11.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banco Itau Chile (ITAUCL)?
The dividend yield of Banco Itau Chile is 5.4% (payout 63.9%). 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 Itau Chile (ITAUCL)?
The net margin of Banco Itau Chile is 28.0% (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 Itau Chile (ITAUCL)?
The return on equity (ROE) of Banco Itau Chile is 9.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Banco Itau Chile (ITAUCL)?
The return on assets (ROA) of Banco Itau Chile is 0.9% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Banco Itau Chile (ITAUCL)?
The operating margin of Banco Itau Chile is −3.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banco Itau Chile (ITAUCL)?
Revenue at Banco Itau Chile is growing +17.7% versus a year earlier (3y avg +1.5%). 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 Itau Chile (ITAUCL)?
Earnings per share at Banco Itau Chile are growing +16.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banco Itau Chile (ITAUCL) generate?
The free cash flow of Banco Itau Chile is −662B 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 Itau Chile (ITAUCL) carry?
The net debt of Banco Itau Chile is 6.4T 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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Nov 5, 2026