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Upturn AI SWOT - About
BCH 
Banco De Chile (BCH)
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Upturn Advisory Summary
04/01/2025: BCH (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 13.96% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 13.50B USD | Price to earnings Ratio 10.65 | 1Y Target Price 25.49 |
Price to earnings Ratio 10.65 | 1Y Target Price 25.49 | ||
Volume (30-day avg) 312380 | Beta 0.19 | 52 Weeks Range 19.59 - 27.39 | Updated Date 04/2/2025 |
52 Weeks Range 19.59 - 27.39 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 7.87% | Basic EPS (TTM) 2.51 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 45.42% | Operating Margin (TTM) 55.25% |
Management Effectiveness
Return on Assets (TTM) 2.24% | Return on Equity (TTM) 22.24% |
Valuation
Trailing PE 10.65 | Forward PE 10.04 | Enterprise Value 11148667650048 | Price to Sales(TTM) 0.01 |
Enterprise Value 11148667650048 | Price to Sales(TTM) 0.01 | ||
Enterprise Value to Revenue 8.05 | Enterprise Value to EBITDA - | Shares Outstanding 505084992 | Shares Floating 31488034354 |
Shares Outstanding 505084992 | Shares Floating 31488034354 | ||
Percent Insiders - | Percent Institutions 2.81 |
Analyst Ratings
Rating 3.11 | Target Price 25.04 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 7 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Banco De Chile
Company Overview
History and Background
Banco de Chile was founded in 1893 through the merger of Banco Nacional de Chile, Banco de Valparau00edso, and Banco Agru00edcola. It has grown to become one of Chile's largest and most prominent banks, playing a significant role in the country's financial system.
Core Business Areas
- Retail Banking: Provides a range of financial services to individuals, including checking and savings accounts, personal loans, mortgages, and credit cards.
- Corporate Banking: Offers financial solutions to businesses, including loans, lines of credit, trade finance, cash management, and investment services.
- Investment Banking: Provides services such as underwriting, mergers and acquisitions advisory, and asset management.
- Treasury: Manages the bank's assets and liabilities, including foreign exchange, fixed income, and derivatives.
Leadership and Structure
Banco de Chile has a board of directors that oversees the bank's operations. The executive management team is responsible for the day-to-day management of the bank. The bank is structured into various divisions based on its core business areas.
Top Products and Market Share
Key Offerings
- Current Accounts: Offerings include checking accounts for individuals and businesses, providing transaction capabilities and access to funds. Banco de Chile holds a leading market share in this segment, competing with other major banks like Santander Chile and Banco Estado. No definitive market share percentage known.
- Product Competitors: Santander Chile, Banco Estado.
- Loans and Credit: Includes personal loans, mortgage loans, and commercial loans for businesses. The bank competes with other major Chilean banks and financial institutions. No definitive market share percentage known.
- Product Competitors: Santander Chile, Banco Estado, Scotiabank Chile.
- Credit Cards: Offers a variety of credit cards with different rewards programs and benefits. Competes with other banks and retailers offering credit cards. No definitive market share percentage known.
- Product Competitors: Santander Chile, Banco Estado, Falabella.
Market Dynamics
Industry Overview
The Chilean banking industry is relatively concentrated, with a few large banks dominating the market. The industry is regulated by the Superintendency of Banks and Financial Institutions (SBIF).
Positioning
Banco de Chile is one of the largest banks in Chile, with a strong presence in retail, corporate, and investment banking. It has a reputation for stability and reliability.
Total Addressable Market (TAM)
The total addressable market for financial services in Chile is substantial, encompassing all individuals and businesses requiring banking and investment solutions. Banco de Chile is well-positioned to capture a significant portion of this TAM, leveraging its established brand and extensive network.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large branch network
- Diversified product portfolio
- Experienced management team
- Strong capital base
Weaknesses
- Exposure to the Chilean economy
- Potential for increased competition
- Dependence on traditional banking services
- High operating costs compared to digital banks
Opportunities
- Growth in the Chilean economy
- Expansion into new markets
- Development of new digital banking products
- Increased demand for wealth management services
- Technological innovation
Threats
- Economic downturn in Chile
- Increased competition from fintech companies
- Changes in government regulations
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- SAN
- BCH
- BSAC
- ITCB
Competitive Landscape
Banco de Chile has a strong brand, a large branch network, and a diversified product portfolio, giving it a competitive edge. However, it faces increasing competition from other large banks and fintech companies. To maintain its position, Banco de Chile needs to focus on innovation and customer service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Discuss Banco De Chile's growth trends over the past years.
Future Projections: Provide projections for Banco De Chile's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Banco De Chile.
Summary
Banco de Chile is a strong, established bank in Chile with a significant market share. Its strengths include brand recognition and a diversified portfolio. The bank should focus on technological innovation and navigating increasing competition from fintech companies to sustain its growth.
Similar Companies
BSAC
Banco Santander Chile
BSAC
Banco Santander Chile
SAN
Banco Santander SA ADR
SAN
Banco Santander SA ADR
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary depending on the source. Financial data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Banco De Chile
Exchange NYSE | Headquaters - | ||
IPO Launch date 2002-01-08 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 11614 | Website https://portales.bancochile.cl |
Full time employees 11614 | Website https://portales.bancochile.cl | ||
Banco de Chile, together with its subsidiaries, operates as a commercial bank that offers banking services in Chile. It operates in four segments: Retail, Wholesale, Treasury, and Subsidiaries. The Retail banking segment offers checking and demand deposit accounts; debit and credit cards; lines of credit; home mortgage, consumer, commercial, and general purpose mortgage loans; financial leases; factoring services; mutual fund management and stock brokerage; foreign trade; payments and collections; insurance brokerage; time deposits; savings instruments; and foreign currency services through the network of branches operating under the Banco de Chile and Banco Edwards brands. The Wholesale banking segment offers short- and long-term commercial loans; working capital loans; lines of credit; corporate credit cards; foreign trade and foreign currency services; factoring services; leasing; long-term syndicated loans; investment banking services; payment services; collection services and connections to international fund transfer networks; checking accounts and deposit products; fund administration; treasury and investment management; derivative contracts; and insurance brokerage services. The Treasury segment offers foreign currency trading, forwards, interest rate swaps, repurchase agreements, and investment products based on bonds, mortgage bonds, and deposits; manages currency, interest rate, term mismatches; fixed income; foreign exchange; and derivative instruments; and issues short and long-term senior bonds, and long-term subordinated bonds in Chile or abroad. The Subsidiaries segment offers equities and fixed income brokerage and currency exchange services; life and general insurance, as well as individual and group policies; investment banking services; and payment solutions. Banco de Chile was founded in 1893 and is headquartered in Santiago, Chile. Banco de Chile is a subsidiary of LQ Inversiones Financieras S.A.
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