Banco de Chile (BCH) Stock

About Banco de Chile

Operating across Chile, Banco de Chile (BCH) and its subsidiaries offer a wide array of banking and financial products and services to customers throughout the country. The company's operations are structured into three primary divisions: Retail Banking, Wholesale Banking, and Treasury and Money Market segments. Its product portfolio includes various deposit accounts such as checking, current, demand, savings, and time deposits. Banco de Chile also extends a range of loan products, including commercial, mortgage, consumer, working capital, syndicated, and installment loans, alongside providing credit card services. Beyond these core offerings, the bank delivers leasing, factoring, and foreign trade support, as well as international and treasury banking solutions, and financial advisory services. Furthermore, it assists clients with liquidity management, offers debt instruments, and deals in derivative contracts and leases. The institution is also involved in financial transaction and currency trading services, securities brokerage, mutual funds management, and investment banking and management for wholesale clients, in addition to insurance brokerage. As of December 31, 2021, Banco de Chile operated an extensive physical network comprising 272 branches and 1,761 automated teller machines (ATMs). The bank serves a broad spectrum of clients, from individual consumers and small and medium-sized enterprises (SMEs) to corporate entities and large companies. Founded in 1893, Banco de Chile's headquarters are located in Santiago, Chile.

Banco de Chile is headquartered in CL.

Banco de Chile (BCH) stock trades at $40.87 with a market capitalization of $20.64B. The stock is valued at a price-to-earnings (P/E) ratio of 16.85, price-to-book of 3.49, price-to-sales of 5.13. Over the past 52 weeks the stock has ranged between $27.08 and $46.77, and currently trades 12.6% below its 52-week high.

On profitability, Banco de Chile generates a return on equity (ROE) of 20.11%, above the typical market range of roughly 12-15%, return on capital employed of 2.80%, an operating margin of 38.99%, a net profit margin of 30.42%.

In its most recent fiscal year, Banco de Chile reported annual revenue of $3.03T, net profit of $1.19T. Over the last 5 fiscal years, revenue grew at an average annual rate of 4.0%, and net profit grew at an average annual rate of 24.3%. Over that span net profit grew faster than revenue, so net margin widened.

The balance sheet shows a debt-to-equity ratio of 2.54 (debt more than twice shareholders' equity), a current ratio of 0.45, total assets of $54.10T, $3.01T in cash and equivalents. For banks and other lenders, borrowing and deposits are part of the business model, so debt-to-equity and the current ratio read differently than for other companies.

BCH has an average daily trading volume of 372,491 shares, a beta of 0.12 (historically less volatile than the overall market).

Official website: portales.bancochile.cl

Banco de Chile by the numbers, 2016–2025

Between 2016 and 2025 Banco de Chile reported revenue of $2.40T rising to $3.03T, a change of +25.9% across 10 years. Compounded, revenue has grown 4.0% a year over five years, -17.1% over three, -34.9% over the last twelve months. Net profit rose to $1.19T.

Operating margin went from 28.1% in 2016 to 50.0% in 2025, a gain of 21.9 percentage points. The most recent net margin is 30.42%. On a trailing twelve-month basis to Mar '26, revenue is $3.07T and net profit $1.14T.

Borrowings rose from $7.43T to $13.55T, cash on hand is $1.60T, cash from operations was $826.1B in the latest year, positive in 8 of the last 10.

Return on equity has averaged 21.6% over five years, and was 17.8% in the most recent year.

The share price itself has compounded at 27.8% a year over five years, 33.6% over three, 53.3% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Banco de Chile (BCH) — frequently asked questions