Banco De Profitability Analysis

BCH Stock

USD 37.67 -0.01 -0.03%

Examining Banco De's profitability and operating efficiency indicators, Banco De Chile is profitable with a net margin of 18.0% and operating margin of 21.0%, reporting net income of 1.19 trillion. Return on equity stands at 22.0%. Profitability remains structurally elevated, but the decline across margin and return indicators points to broad-based compression rather than isolated cost pressure.

Net Income

First Reported

2000-03-31

Previous Quarter

265.54 billion

Current Value

278.58 billion

Quarterly Volatility

98.75 billion

Macro event markers

Dot-com Bubble

Housing Crash

Credit Downgrade

Yuan Drop

Covid

Interest Hikes

Current Value

Last Year

Change From Last Year

10 Year Trend

Gross Profit Margin

46.00%

61.50%

Significantly Down

Moderate Variation

Net Profit Margin

18.00%

26.72%

Way Down

Moderate Variation

Operating Profit Margin

21.00%

33.87%

Way Down

Moderate Variation

Pretax Profit Margin

21.00%

33.64%

Way Down

Moderate Variation

Return On Assets

1.46%

2.20%

Way Down

Moderate Variation

Return On Equity

22.00%

20.56%

Significantly Up

Moderate Variation

The margin profile at Banco De shows a business with wide profitability buffers, providing resilience against cost increases or demand softness. The spread from 46.0% gross margin to 18.0% net margin reflects the layered cost burden from operations, interest, and taxes. Return on equity of 22.0% is amplified by financial leverage relative to return on assets of 1.46%, meaning a significant portion of equity returns comes from the debt structure rather than operating efficiency. Figures reflect Banco De's last reported annual data.

Banco De has a market cap of 18.44 billion, an operating margin of 21.0% for the last reported period. Changes in operating margin over consecutive quarters often signal shifts in competitive position. Sector and industry overlap across positions affects concentration risk. Broader economic conditions can influence Banco De Chile's company valuation - related indicators include signals in child.

Analyst EPS forecasts for Banco De distill multiple research perspectives into a consensus earnings outlook. Net profit margin of 18.0% shows how much of Banco De's top line converts to bottom-line earnings. For Banco De, EPS context improves when viewed through the lens of return on equity and payout ratio. The consensus EPS view for Banco De Chile usually references EPS before non-recurring items. These estimates can include stock-based compensation expense.

Macro event markers

Housing Crash

Credit Downgrade

Yuan Drop

Covid

Interest Hikes

Banco De consensus EPS is set at 0.6765 for the 30th of June 2026 reporting period. The gap between street consensus and management guidance for Banco De Chile frames how the market prices earnings risk. Banco De's EPS figure reflects both top-line momentum and cost discipline across reporting periods. The estimate series is most useful when viewed alongside actual earnings and the direction of revisions.

Quarterly Earnings Growth

-18.3%

Earnings Share

2.47

Revenue Per Share

5,318

Quarterly Revenue Growth

-7.9%

Return On Assets

1.5%

Investors evaluate Banco De Chile using market value and book value, each describing different facets of the business. Combining these views produces a more balanced understanding of Banco De's position.

Banco De intrinsic value attempts to capture underlying worth, separate from current trading levels. For Banco De, key inputs include a P/E ratio of 10.27, a P/B ratio of 3.03, a profit margin of 18.0%, and ROE of 22.0%.

Banco De Chile Return On Asset TTM vs. Return On Equity TTM Fundamental Analysis

ROE stood at 0.22 as of December 31, 2025. Related reported metric: Return On Asset TTM at 1.46% as of December 31, 2025.

Banco De Return On Asset TTM vs. Return On Equity TTM

Banco De's Return on Equity of 22.0% reflects a healthy level of efficiency in converting shareholder capital into profit. This range generally supports both reinvestment capacity and shareholder distributions without relying excessively on financial leverage to inflate the return.

Banco De

Return On Equity

Net Income

Total Equity

0.22

Banco De's Return on Assets of 1.46% is relatively low, which may reflect an asset-heavy business model or a period where income has not kept pace with asset growth. Low asset returns warrant examining whether the asset base is generating adequate revenue throughput.

Banco De

Return On Asset

Net Income

Total Assets

0.01

The gap between Banco De's ROE and ROA reveals significant financial leverage amplification. ROE is more than 15.07x ROA, meaning debt is substantially inflating equity returns. While this boosts the headline ROE figure, it also increases vulnerability to earnings volatility and rising interest costs.

Banco De Return On Asset TTM Comparison

Banco De is currently under evaluation for return on asset ttm among direct rivals.

Estimated Months Earnings per Share

This chart shows the estimate series used for upcoming reporting periods.

Detailed Analysis of Earnings Estimates

Latest Earning Estimates and Surprises

The table below lists reported EPS, estimated EPS, and the reported surprise for each available quarter.

Reported	Fiscal Date	Estimated EPS	Reported EPS	Surprise
2026-05-05	2026-03-31	0.6037	0.5891	-0.0146	2
2026-02-04	2025-12-31	0.6225	0.6072	-0.0153	2
2025-10-30	2025-09-30	0.6111	0.6158	0.0047	0
2025-07-28	2025-06-30	0.6345	0.6149	-0.0196	3
2025-04-28	2025-03-31	0.59	0.6761	0.0861	14
2025-01-31	2024-12-31	0.6267	0.6128	-0.0139	2
2024-10-29	2024-09-30	0.64	0.61	-0.03	4