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One of Chile's largest banks, offering retail, commercial and private banking, historically linked to Citigroup's brand license.
One of Chile's largest banks, offering retail, commercial and private banking, historically linked to Citigroup's brand license.
Earns most of its income from the gap between interest on loans and the cost of deposits, with fees from cards, accounts and treasury services. The Luksic family's Quinenco group controls the bank, which grew by merging with Citibank's Chilean business in 2008.
Moat: narrow (scale, brand, distribution). Long-standing leading Chilean bank with a strong deposit franchise.
Headquarters: Santiago, Chile · Founded: 1893 · Employees: 11,156
Size Banco de Chile Sponsored ADR (BCH) is a United States Financials company (Major Banks) with a market value of $19.6B, the 501st largest of 3,117 United States companies the cockpit tracks. Shares closed at $38.66 on 6 Nov 2026.
Performance Over six months the shares gained 7.1%, against +3.8% for the median peer and -1.1% for the United States market (cap-weighted) — 9th highest of 21 in its peer set.
Growth Revenue grew 3.9% over the last twelve months (peer median +2.1%); the operating margin is 47.3% (peer median 38.1%).
Valuation It trades at 3.15× book value against a peer median of 1.40× (3rd most expensive of 21).
Price implies The share price implies a return on equity of about 13.6%; Banco de Chile Sponsored ADR delivers 21.8%, so the price asks less than the business earns today.
Credit Banco de Chile Sponsored ADR has 1 bond outstanding ($500M), rated A by the agencies and trading like BBB at a weighted spread of 108 bp.
Short interest Short interest is 0.2% of the free float (15 Oct 2026).
Next results Next results expected around 4 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $5.05B | $4.74B | $5.09B | $6.24B | $6.22B |
| Revenue growth | — | -7% | -19% | 0% | — |
| Net income | $1.33B | $1.25B | $1.28B | $1.48B | $1.61B |
| Free cash flow | $373M | $488M | $581M | -$63.0M | -$671M |
| Capital expenditure | $89.4M | $81.3M | $79.3M | $103M | $89.4M |
| Total debt | $15.2B | $15.4B | $12.4B | $18.7B | $19.2B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Banco de Chile Sponsored ADR BCH | $19.6B | +7% | +4% | 22% | 3.15× | 13.6% |
| Banco Santander-Chile Sponsored ADR BSAC | $15.2B | +7% | +18% | 25% | 3.00× | 17.6% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | BCH | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -0.2% | +3.0% | 8th lowest of 21 |
| 6-month return | +7.1% | +3.8% | 9th highest of 21 |
| Return on equity | 21.8% | 11.6% | 3rd highest of 21 |
| Price / book | 3.15× | 1.40× | 3rd most expensive of 21 |
| Trailing P/E | 14.7× | 12.8× | 6th most expensive of 18 |
| ROE the price implies | 13.6% | 12.5% | 7th most demanding of 21 |
| ROE delivered | 21.8% | 12.2% | 3rd highest of 19 |
| Bond spread | 108 bp | 66 bp | widest of 6 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Banco de Chile Sponsored ADR BCH | United States | $19.6B | +7% | +4% | 22% | 3.15× | 13.6% | 21.8% |
| Banco de Sabadell SAB.MC | Spain | $19.2B | +8% | -35% | 5% | 1.40× | 15.5% | 5.1% |
| Banca Mediolanum BMED.MI | Italy | $19.1B | +17% | -34% | 30% | 3.73× | 35.6% | 30.1% |
| China Minsheng Banking 600016.SS | China | $21.3B | -8% | -10% | 4% | 0.26× | 1.6% | 4.5% |
| First Financial 2892.TW | Taiwan | $17.8B | +44% | +5% | 11% | 1.95× | 5.8% | 10.9% |
| mBank MBK.WA | Poland | $17.7B | +37% | -1% | 19% | 3.05× | 37.6% | 19.1% |
| KeyCorp KEY | United States | $22.0B | -3% | +9% | 11% | 1.39× | 13.1% | 11.2% |
| Banco Santander (Brasil) S.A. Sponsored ADR BSBR | United States | $17.4B | -20% | +18% | 10% | 2.10× | 12.6% | 10.2% |
| Hanafinancialgr 086790.KS | South Korea | $22.5B | -7% | +39% | 10% | 0.79× | 5.3% | n/a |
| WooriFinancialGroup 316140.KS | South Korea | $17.0B | -5% | +37% | 10% | 0.71× | 4.8% | n/a |
| Banco BPM BAMI.MI | Italy | $22.8B | +1% | -4% | 12% | 1.30× | 13.5% | 12.5% |
| Bank of Nanjing 601009.SS | China | $22.8B | +5% | +6% | 12% | 0.77× | 2.8% | 11.9% |
| Mega Financial 2886.TW | Taiwan | $24.0B | +37% | +1% | 10% | 1.97× | 5.9% | 10.0% |
| Regions Financial RF | United States | $24.1B | +2% | +1% | 12% | 1.46× | 13.2% | 12.4% |
| Hua Xia Bank 600015.SS | China | $15.7B | -5% | -1% | 8% | 0.32× | 1.8% | 7.6% |
| Punjab National Bank PNB.NS | India | $15.4B | +16% | +3% | 15% | 0.90× | 17.0% | 15.1% |
| FinecoBank FBK.MI | Italy | $15.4B | +3% | +5% | 32% | 5.71× | 43.8% | 32.3% |
| E Sun Financial 2884.TW | Taiwan | $25.2B | +55% | +36% | 15% | 2.70× | 7.6% | 14.7% |
| Union Bank of India UNIONBANK.NS | India | $15.1B | +12% | 0% | 16% | 0.99× | 16.4% | 16.3% |
| Bankinter BKT.MC | Spain | $14.5B | +4% | 0% | 18% | 1.87× | 12.4% | 17.6% |
| Citizens Financial CFG | United States | $26.5B | -1% | +4% | 9% | 1.16× | 11.5% | 8.9% |
Banco de Chile Sponsored ADR has 1 bond outstanding with $500M face value. The agencies rate it A; its bonds trade like BBB. Weighted yield 5.73%, a spread of 108 bp over government bonds.