Banco de Crédito e Inversiones (BCI.SN) stock analysis

In our weekly check, Banco de Crédito e Inversiones is graded D (A to F). Of 25 checks on debt, profit, cash flow and trend: 12 pass, warnings: 3, red flags: 10.

About Banco de Crédito e Inversiones

Banco de Crédito e Inversiones is a Financial Services company (Banks - Regional) based in Chile, listed on SGO as BCI.SN.

What our checks show for BCI.SN

Red flags

• The net margin fell by 7.1 points over 5 years, to 32.5%: the company keeps less of each sale as profit.
• Operating cash flow is negative while the company reports a profit: the profit does not arrive as cash.
• Revenue fell 10.6% a year over the last 3 years.
• Free cash flow is negative (-10.8% of revenue): the business spends more cash than it brings in.
• Recovering from its deepest fall took about 4.8 years.
• Thinly traded (about 17 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is only 1.5%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• The gross margin fell by 2 points, to 85.5%: costs are rising faster than prices.
• The stock has fallen as much as 50% from a peak. Would you have held through that?
• The share count grew by 16.6% in 2 years: each shareholder owns a smaller slice.

Strengths

• Earnings per share grew 25.8% a year over the last 3 years.
• Net profit grew 10.3% a year over the last 3 years.
• The company keeps 32.5% of its revenue as net profit.
• The dividend takes 30% of profit: there is a cushion.
• The price is 12.6 times earnings (P/E), reasonable for its growth.
• A large company: market value $13.9 billion.

Similar companies

OTP.BD · 7182.T · SBIN.NS · 316140.KS · 6178.T · 8308.T

Questions

What grade does Banco de Crédito e Inversiones (BCI.SN) have?

In our weekly check, Banco de Crédito e Inversiones is graded D (A to F). Of 25 checks on debt, profit, cash flow and trend: 12 pass, warnings: 3, red flags: 10. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BCI.SN stock?

This week's biggest flags for Banco de Crédito e Inversiones: Margins falling, Profits not backed by cash, Weak revenue growth. In total 13 of 25 checks show a warning or a red flag.

What does Banco de Crédito e Inversiones do?

Banco de Crédito e Inversiones is a Financial Services company (Banks - Regional) based in Chile, listed on SGO as BCI.SN.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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