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Banco Itau Chile (ITAUCL) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Banco Itau Chile CLP 24,571, price CLP 24,100, upside +2.0%, quality 42 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

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

BI Some data Sep 24, 2026

Banco Itau Chile

ITAUCL · SN

Low PriorityFair Value upside is limited and quality is weak.

·Fair value 24,571 CLP · Fairly valued (+2%)
!Quality 42/100
!Expensive Growth (revenue 5y +7.1 %/yr)
✓Solidly profitable · 13.5% net margin (TTM)
!High debt · negative free cash flow
!Trails peers (2/12)
!Moderate moat 60/100
!Evidence only medium, so the estimate is less certain
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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

24,200 CLP 5,963 CLP Fair Value 24,571 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 5,963 CLP – 24,200 CLP · fair‑value band 18,428 CLP – 30,714 CLP · the 24,100 CLP price screens below the 24,571 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 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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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. 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 24,100 CLP, while our model-based Fair Value estimate is 24,571 CLP, implying the stock looks roughly 1.9% fairly valued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 25,724 CLP per share, and 2 of the 4 models we run sit above the 24,100 CLP price.

Bear case: the Asset-Based group reads lowest at 13,332 CLP, and 2 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: 18,428 CLP (bear) to 30,714 CLP (bull), the price of 24,100 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 5.2T CLP (≈ $5.2B) · P/E ratio 13.5 · P/S ratio 3.77 · EPS (TTM) 1,789 CLP · Net margin 28.0% · Return on equity 10.1% · Return on assets 1.0% · Operating margin 32.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 75% 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 2%, ITAUCL screens cheaper than that median.

Fair Value models

Bear 18,428 CLP Fair Value 24,571 CLP Bull 30,714 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 (1,309 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 17,743 CLP 19,850 CLP 33,572 CLP 74
P/E Multiple 19,293 CLP 25,724 CLP 32,155 CLP 63
P/B Multiple 20,894 CLP 27,859 CLP 34,824 CLP 55
All 4 models by family
Multiples
P/E Multiple 19,293 CLP 25,724 CLP 32,155 CLP 63
P/B Multiple 20,894 CLP 27,859 CLP 34,824 CLP 55
Asset-Based
NCAV (Graham) 9,950 CLP 13,332 CLP 19,899 CLP 54
Economic Profit
Residual Income 17,743 CLP 19,850 CLP 33,572 CLP 74

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Quality Score breakdown

Overall quality 42/100

Of which business quality 39 · Market factors (momentum, volatility) 92

Profitability 42
Margins and returns on capital today
Quality Growth 33
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 29
Balance sheet, leverage, solvency risk
Investment 75
Disciplined investing over empire-building
Low Volatility 84
Calm price path (market factor)
Momentum 92
Price trend over the last 3–12 months (market factor)
52W Momentum 100
Distance to the 52-week high (market factor)
Net Issuance 82
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. 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%
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.
+10.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.7%
Dividend (yield on the price)0.0%

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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 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 45 · Bottom 25%
Fair Value upside +2% · Above median
Profitability
Return on equity (TTM) 10% · Below median
Return on assets 1% · Below median
Net margin (TTM) 13% · Bottom 25%
Operating margin (TTM) 32% · Below median
Growth and dividend
Revenue growth 17% · Above median
Dividend yield (TTM) 0.0% · Bottom 25%
Balance sheet
Debt / equity 2.70× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 13.5× · Pricier than median
P/B 1.21× · Pricier than median
P/S (TTM) 5.43× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)36 · sector 12
FUTURE (revenue growth)87 · sector 45
PAST (return on equity)40 · sector 41
HEALTH (low debt)0 · sector 85
DIVIDEND (yield)0 · 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 77.80 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.65 HK$64.29 +24%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹738.60 ₹418.52 −43%
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 ₹636.31 −53%
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 Itau Chile · Fair Value
24,571 CLP +2%Fair Value
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Cite: Fair Value Calculator (2026). "Banco Itau Chile Fair Value". https://www.fairvalue-calculator.com/stock/ITAUCL

Frequently asked questions

Is Banco Itau Chile (ITAUCL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 24,571 CLP versus a price of 24,100 CLP, about +2% upside (fairly valued).
What is the fair value of ITAUCL?
Our model-based fair value for Banco Itau Chile is 24,571 CLP (as of Sep 24, 2026), built from audited fundamentals. The current price: 24,100 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 24,571 CLP (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 18,428 CLP, optimistic scenario 30,714 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 24,571 CLP, about +2% upside versus a price of 24,100 CLP (fairly valued). Cautious scenario 18,428 CLP, optimistic scenario 30,714 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 961B CLP (latest available figure, as of Sep 24, 2026).
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 24,571 CLP per share (as of Sep 24, 2026), against a price of 24,100 CLP. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Banco Itau Chile stock overvalued or undervalued in 2026?
As of Sep 24, 2026, ITAUCL trades below its calculated fair value: price 24,100 CLP, fair value 24,571 CLP, a gap of about +2% (fairly valued). 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 (24,100 CLP); the fair value is what the company's own numbers justify (24,571 CLP). For Banco Itau Chile the two are 471.14 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 5.2T CLP (market capitalisation, as of Sep 24, 2026). Per share that is 24,100 CLP; our models calculate a fair value of 24,571 CLP per share.
What do the bullish and bearish scenarios say about ITAUCL?
Our models span a range for Banco Itau Chile: cautious scenario 18,428 CLP, base 24,571 CLP, optimistic 30,714 CLP per share (as of Sep 24, 2026, price 24,100 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 13.5 (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 24,571 CLP is built from several models across several years. Other multiples: P/B 1.2, P/S 5.4.
How solid is the balance sheet of Banco Itau Chile (ITAUCL)?
Balance-sheet figures for Banco Itau Chile (as of Sep 24, 2026): return on equity 10.1%, 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 24,100 CLP, at its 52-week high of 24,200 CLP and 75% above the low of 13,810 CLP (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 24,571 CLP is for.
Which stocks are comparable to Banco Itau 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 Itau Chile stock attractive at the current price?
The data as of Sep 24, 2026: price 24,100 CLP, calculated fair value 24,571 CLP (+2%), Quality Score 42/100, 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 ITAUCL calculated?
We run Banco Itau 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 24,571 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 Itau Chile currently trades 2 % 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 Itau Chile (ITAUCL)?
The closing price on Sep 23, 2026 was 24,100 CLP. Our model-based fair value is 24,571 CLP, about +2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banco Itau Chile right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 Itau Chile

How large is the market capitalisation of Banco Itau Chile (ITAUCL)?
The market capitalisation of Banco Itau Chile is 5.2T CLP (≈ $5.2B). 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 3.77 (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 1,789 CLP (price ÷ EPS = P/E 13.5). Earnings per share over the last twelve months: total profit spread across every single share.
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 10.1% (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 1.0% (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 32.5% (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 +17.3% 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 −37.6% 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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