Banco Itaú Chile (ITAUCL) Fair Value & Analysis
Financial Services · CL · Market cap 4.0T CLP
Fair value as of: Jul 26, 2026
From 4 valuation models · updated 15 days ago
Share price +12.0% over the past month.
Below-average quality, screening 16% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from 19,293 CLP (bear) to 32,155 CLP (bull), base 25,724 CLP. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 42/100 (below-average quality) with medium evidence: read the verdict with care.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.
How to read this chart
60‑month range 5,963 CLP – 23,606 CLP · fair‑value band 19,293 CLP – 32,155 CLP · the 22,130 CLP price screens below the 25,724 CLP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.
Analysis
Banco Itaú Chile (ITAUCL) currently trades at 22,130 CLP, while our model-based Fair Value estimate is 25,724 CLP, implying the stock looks roughly 16.2% undervalued today. The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.
Over the trailing twelve months, Banco Itaú Chile generated revenue of 961B CLP at a net margin of 13.5%. Revenue grew 17.3% year over year. It earns a return on equity of 10.1%. Net debt stands at 6.4T CLP. Fundamentals as of Jul 26, 2026
Our scenario range runs from 19,293 CLP (bear case) to 32,155 CLP (bull case); at 22,130 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 9% below its 52-week high and 92% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 16%, ITAUCL 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.
All 4 models by family
Widest divergence: Multiples (25,724 CLP) versus Asset-Based (13,332 CLP). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 26, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 39 · Market factors (momentum, volatility) 79
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Banco Itaú 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.
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Peer Group
Banks - Regional · 1083 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 Banks - Regional 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 Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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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.
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