Banco de Crédito e Inversiones Logo

Banco de Crédito e Inversiones

BCI.SN

(3.0)
Stock Price

28.100,00 CLP

1.13% ROA

12.91% ROE

5.5x PER

Market Cap.

5.193.812.436.000,00 CLP

228.2% DER

6.31% Yield

26.03% NPM

Banco de Crédito e Inversiones Stock Analysis

Banco de Crédito e Inversiones Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banco de Crédito e Inversiones Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (20%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

The stock's low PBV ratio (0.78x) suggests it's undervalued, making it an attractive opportunity for investors.

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

5 ROA

The stock's ROA (1.27%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

7 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (117.343), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 DER

The company has a high debt to equity ratio (228%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

10 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

Banco de Crédito e Inversiones Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banco de Crédito e Inversiones Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Banco de Crédito e Inversiones Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banco de Crédito e Inversiones Revenue
Year Revenue Growth
2005 359.434.600.000
2006 396.717.200.000 9.4%
2007 472.213.200.000 15.99%
2008 609.642.000.000 22.54%
2009 644.136.000.000 5.36%
2010 755.282.000.000 14.72%
2011 816.243.000.000 7.47%
2012 904.642.000.000 9.77%
2013 990.515.000.000 8.67%
2014 1.112.046.000.000 10.93%
2015 1.154.321.000.000 3.66%
2016 1.284.303.000.000 10.12%
2017 1.366.192.000.000 5.99%
2018 1.583.369.000.000 13.72%
2019 1.886.556.000.000 16.07%
2020 2.029.928.000.000 7.06%
2021 2.157.798.000.000 5.93%
2022 3.409.584.000.000 36.71%
2023 2.454.440.000.000 -38.91%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banco de Crédito e Inversiones Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banco de Crédito e Inversiones General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 70.973.700.000
2006 81.989.900.000 13.44%
2007 89.804.100.000 8.7%
2008 341.880.000.000 73.73%
2009 367.660.000.000 7.01%
2010 415.770.000.000 11.57%
2011 450.608.000.000 7.73%
2012 97.428.000.000 -362.5%
2013 103.956.000.000 6.28%
2014 110.770.000.000 6.15%
2015 131.426.000.000 15.72%
2016 158.686.000.000 17.18%
2017 179.790.000.000 11.74%
2018 214.407.000.000 16.15%
2019 250.459.000.000 14.39%
2020 253.103.000.000 1.04%
2021 262.653.000.000 3.64%
2022 422.520.000.000 37.84%
2023 357.904.000.000 -18.05%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banco de Crédito e Inversiones EBITDA
Year EBITDA Growth
2005 367.020.400.000
2006 456.735.400.000 19.64%
2007 663.701.300.000 31.18%
2008 933.309.000.000 28.89%
2009 422.013.000.000 -121.16%
2010 537.554.000.000 21.49%
2011 791.499.000.000 32.08%
2012 897.796.000.000 11.84%
2013 939.802.000.000 4.47%
2014 1.108.375.000.000 15.21%
2015 1.031.159.000.000 -7.49%
2016 1.102.744.000.000 6.49%
2017 1.199.890.000.000 8.1%
2018 1.415.239.000.000 15.22%
2019 634.731.000.000 -122.97%
2020 451.129.000.000 -40.7%
2021 828.805.000.000 45.57%
2022 2.488.091.000.000 66.69%
2023 910.872.000.000 -173.15%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banco de Crédito e Inversiones Gross Profit
Year Gross Profit Growth
2005 359.434.600.000
2006 396.717.200.000 9.4%
2007 472.213.200.000 15.99%
2008 609.642.000.000 22.54%
2009 644.136.000.000 5.36%
2010 755.282.000.000 14.72%
2011 816.243.000.000 7.47%
2012 904.642.000.000 9.77%
2013 990.515.000.000 8.67%
2014 1.112.046.000.000 10.93%
2015 1.154.321.000.000 3.66%
2016 1.284.303.000.000 10.12%
2017 1.366.192.000.000 5.99%
2018 1.583.369.000.000 13.72%
2019 1.886.556.000.000 16.07%
2020 2.029.928.000.000 7.06%
2021 2.157.798.000.000 5.93%
2022 3.409.584.000.000 36.71%
2023 2.454.440.000.000 -38.91%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banco de Crédito e Inversiones Net Profit
Year Net Profit Growth
2005 107.903.700.000
2006 120.152.600.000 10.19%
2007 135.375.800.000 11.25%
2008 192.202.000.000 29.57%
2009 160.772.000.000 -19.55%
2010 222.075.000.000 27.6%
2011 261.268.000.000 15%
2012 271.256.000.000 3.68%
2013 300.294.000.000 9.67%
2014 342.972.000.000 12.44%
2015 330.819.000.000 -3.67%
2016 340.121.000.000 2.73%
2017 371.403.000.000 8.42%
2018 395.794.000.000 6.16%
2019 402.645.000.000 1.7%
2020 317.454.000.000 -26.84%
2021 520.391.000.000 39%
2022 419.694.000.000 -23.99%
2023 516.584.000.000 18.76%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banco de Crédito e Inversiones Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 902
2006 905 0.22%
2007 949 4.74%
2008 1.349 29.65%
2009 1.128 -19.59%
2010 1.559 27.6%
2011 1.832 14.91%
2012 1.875 2.29%
2013 2.075 9.69%
2014 2.370 12.45%
2015 2.297 -3.22%
2016 2.228 -3.05%
2017 2.374 6.11%
2018 2.498 4.97%
2019 2.505 0.32%
2020 2.064 -21.37%
2021 6.583 68.65%
2022 2.486 -164.91%
2023 4.376 43.21%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banco de Crédito e Inversiones Free Cashflow
Year Free Cashflow Growth
2005 122.251.400.000
2006 133.259.700.000 8.26%
2007 202.929.100.000 34.33%
2008 -84.920.000.000 338.97%
2009 671.722.000.000 112.64%
2010 -99.149.000.000 777.49%
2011 -1.904.000.000 -5107.41%
2012 -29.678.000.000 93.58%
2013 -611.363.000.000 95.15%
2014 212.064.000.000 388.29%
2015 -15.305.000.000 1485.59%
2016 -694.247.000.000 97.8%
2017 -587.544.000.000 -18.16%
2018 -241.848.000.000 -142.94%
2019 1.018.111.000.000 123.75%
2020 1.710.265.000.000 40.47%
2021 914.825.000.000 -86.95%
2022 1.283.917.000.000 28.75%
2023 -146.624.000.000 975.65%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banco de Crédito e Inversiones Operating Cashflow
Year Operating Cashflow Growth
2005 134.327.500.000
2006 166.613.800.000 19.38%
2007 219.710.200.000 24.17%
2008 -15.831.000.000 1487.85%
2009 759.809.000.000 102.08%
2010 -2.376.000.000 32078.49%
2011 212.686.000.000 101.12%
2012 -9.362.000.000 2371.8%
2013 -541.962.000.000 98.27%
2014 267.473.000.000 302.62%
2015 50.261.000.000 -432.17%
2016 -660.469.000.000 107.61%
2017 -479.209.000.000 -37.82%
2018 -109.257.000.000 -338.61%
2019 1.132.009.000.000 109.65%
2020 1.809.572.000.000 37.44%
2021 1.005.386.000.000 -79.99%
2022 1.374.876.000.000 26.87%
2023 -116.506.000.000 1280.09%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banco de Crédito e Inversiones Capital Expenditure
Year Capital Expenditure Growth
2005 12.076.100.000
2006 33.354.100.000 63.79%
2007 16.781.100.000 -98.76%
2008 69.089.000.000 75.71%
2009 88.087.000.000 21.57%
2010 96.773.000.000 8.98%
2011 214.590.000.000 54.9%
2012 20.316.000.000 -956.26%
2013 69.401.000.000 70.73%
2014 55.409.000.000 -25.25%
2015 65.566.000.000 15.49%
2016 33.778.000.000 -94.11%
2017 108.335.000.000 68.82%
2018 132.591.000.000 18.29%
2019 113.898.000.000 -16.41%
2020 99.307.000.000 -14.69%
2021 90.561.000.000 -9.66%
2022 90.959.000.000 0.44%
2023 30.118.000.000 -202.01%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banco de Crédito e Inversiones Equity
Year Equity Growth
2005 511.392.800.000
2006 587.598.500.000 12.97%
2007 703.934.300.000 16.53%
2008 766.997.000.000 8.22%
2009 896.150.000.000 14.41%
2010 1.039.160.000.000 13.76%
2011 1.222.045.000.000 14.97%
2012 1.419.956.000.000 13.94%
2013 1.582.099.000.000 10.25%
2014 1.800.963.000.000 12.15%
2015 2.000.287.000.000 9.96%
2016 2.518.257.000.000 20.57%
2017 2.727.844.000.000 7.68%
2018 3.458.363.000.000 21.12%
2019 3.792.520.000.000 8.81%
2020 3.894.705.000.000 2.62%
2021 4.501.476.000.000 13.48%
2022 4.776.801.000.000 5.76%
2023 5.295.258.000.000 9.79%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banco de Crédito e Inversiones Assets
Year Assets Growth
2005 8.066.426.500.000
2006 9.148.001.600.000 11.82%
2007 10.679.305.000.000 14.34%
2008 12.762.937.000.000 16.33%
2009 13.121.522.000.000 2.73%
2010 13.195.284.000.000 0.56%
2011 16.109.661.000.000 18.09%
2012 17.926.578.000.000 10.14%
2013 20.246.669.000.000 11.46%
2014 23.803.168.000.000 14.94%
2015 28.684.401.000.000 17.02%
2016 30.849.904.000.000 7.02%
2017 33.883.396.000.000 8.95%
2018 41.349.717.000.000 18.06%
2019 50.336.620.000.000 17.85%
2020 57.156.299.000.000 11.93%
2021 69.158.634.000.000 17.35%
2022 78.049.119.000.000 11.39%
2023 80.933.149.000.000 3.56%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banco de Crédito e Inversiones Liabilities
Year Liabilities Growth
2005 7.555.032.800.000
2006 8.560.401.800.000 11.74%
2007 9.975.369.200.000 14.18%
2008 11.995.939.000.000 16.84%
2009 12.225.369.000.000 1.88%
2010 12.156.118.000.000 -0.57%
2011 14.887.612.000.000 18.35%
2012 16.506.621.000.000 9.81%
2013 18.664.569.000.000 11.56%
2014 22.002.204.000.000 15.17%
2015 26.683.876.000.000 17.54%
2016 28.331.227.000.000 5.81%
2017 31.155.110.000.000 9.06%
2018 37.891.354.000.000 17.78%
2019 46.544.100.000.000 18.59%
2020 53.261.594.000.000 12.61%
2021 64.657.158.000.000 17.62%
2022 73.272.318.000.000 11.76%
2023 75.637.891.000.000 3.13%

Banco de Crédito e Inversiones Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
13569.38
Net Income per Share
4322.2
Price to Earning Ratio
5.5x
Price To Sales Ratio
1.82x
POCF Ratio
5.05
PFCF Ratio
5.9
Price to Book Ratio
0.95
EV to Sales
4.32
EV Over EBITDA
6.76
EV to Operating CashFlow
12.48
EV to FreeCashFlow
14.06
Earnings Yield
0.18
FreeCashFlow Yield
0.17
Market Cap
5.193,81 Bil.
Enterprise Value
12.362,72 Bil.
Graham Number
49429.99
Graham NetNet
-335184.79

Income Statement Metrics

Net Income per Share
4322.2
Income Quality
1.28
ROE
0.18
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.84
EBT Per Ebit
1.14
Ebit per Revenue
0.27
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0.14
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.27
Pretax Profit Margin
0.31
Net Profit Margin
0.26

Dividends

Dividend Yield
0.06
Dividend Yield %
6.31
Payout Ratio
0
Dividend Per Share
1500

Operating Metrics

Operating Cashflow per Share
4703.07
Free CashFlow per Share
4174.44
Capex to Operating CashFlow
-0.11
Capex to Revenue
-0.04
Capex to Depreciation
-0.99
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
17.25
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
21.16
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-528.63

Balance Sheet

Cash per Share
23.310,23
Book Value per Share
25.124,30
Tangible Book Value per Share
23102.46
Shareholders Equity per Share
25124.3
Interest Debt per Share
64546.77
Debt to Equity
2.28
Debt to Assets
0.15
Net Debt to EBITDA
3.92
Current Ratio
9.11
Tangible Asset Value
4.867,80 Bil.
Net Current Asset Value
-70.591,20 Bil.
Invested Capital
2.28
Working Capital
4.492,98 Bil.
Intangibles to Total Assets
0.01
Average Receivables
124,31 Bil.
Average Payables
536,27 Bil.
Average Inventory
0
Debt to Market Cap
2.33

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banco de Crédito e Inversiones Dividends
Year Dividends Growth
2011 506
2012 604 16.09%
2013 633 4.59%
2014 933 32.26%
2015 751 -24.23%
2016 877 14.27%
2017 891 1.68%
2018 946 5.81%
2019 913 -3.61%
2020 1.000 8.7%
2021 700 -42.86%
2022 1.010 30.69%
2023 1.500 32.67%

Banco de Crédito e Inversiones Profile

About Banco de Crédito e Inversiones

Banco de Crédito e Inversiones provides various banking products and services in Chile and internationally. The company operates through Retail Banking; SME Banking; Wholesale Banking; Finance; BCI Financial Group; Financial Services; and Others segments. It offers checking and other accounts; credit and debit cards; mortgage and consumer credit, business credit, short term and long term commercial credit, overdraft line of credit, and corporate financing; guarantees; and life, health, home, integral and credit protection, automotive, commercial vehicle and fire, and mobile equipment insurance products. The company also provides factoring, leasing, payment, foreign trade, and cash management services; investment products and services; and sales and trading solutions, such as investments, hedging strategies, arbitration opportunities, derivatives, and fixed income brokerage. The company was founded in 1937 and is headquartered in Santiago, Chile. Banco de Crédito e Inversiones is a subsidiary of Empresas Juan Yarur S.P.A.

CEO
Mr. Eugenio Von Chrismar Carv
Employee
11.423
Address
125 El Golf Avenue
Santiago de Chile,

Banco de Crédito e Inversiones Executives & BODs

Banco de Crédito e Inversiones Executives & BODs
# Name Age
1 Mr. Javier Moraga Klenner
Investment & Finance Division Manager
70
2 Andrés Atala Salim-Hanna
Head of Investor Relations
70
3 Mr. Patricio Felix Subiabre Montero
Chief Operating & Technology Officer
70
4 Mr. José Luis Ibaibarriaga Martínez
Chief Financial Officer & Controller
70
5 Mr. Fernando Carmash Cassis
General Counsel
70
6 Ms. Ximena Kutscher Taiba
Audit & Compliance Head
70
7 Antonellla Sassi
Head of Sustainability Communications & Sustainability Division
70
8 Mr. Eugenio Von Chrismar Carvajal
Chief Executive Officer
70
9 Alfredo Mendoza Osorio
Chief Accounting Officer
70
10 Mr. Mario Gómez Dubravcic
Director
70

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