Banco de Chile (CHILE.SN) stock analysis

In our weekly check, Banco de Chile is graded D (A to F). Of 25 checks on debt, profit, cash flow and trend: 12 pass, warnings: 4, red flags: 9.

About Banco de Chile

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

What our checks show for CHILE.SN

Red flags

• The net margin fell by 5.3 points over 5 years, to 29.6%: the company keeps less of each sale as profit.
• The gross margin fell by 6 points, to 66.5%: costs are rising faster than prices.
• Operating cash flow is only 0.29x net profit: part of the reported profit does not arrive as cash.
• Analysts expect revenue to shrink about 3.5% a year.
• Revenue fell 8.2% a year over the last 3 years.
• The stock has fallen as much as 99% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 3%.

Warning signs

• Earnings per share fell 4.7% a year over the last 3 years.
• Net profit fell 5.6% a year over the last 3 years.
• The dividend takes 83% of profit: little cushion if profit falls.
• The stock is still below its previous peak.

Strengths

• Analysts expect the net margin to improve by 10.6 points from today's 29.6%.
• The company keeps 29.6% of its revenue as net profit.
• A large company: market value $19.28 billion.
• Beta 0.06: the stock usually moves less than the market.
• Actively traded: about 45.3 million shares a day.
• Pay in shares is only 0% of free cash flow.

Next earnings report: 2026-10-30

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Questions

What grade does Banco de Chile (CHILE.SN) have?

In our weekly check, Banco de Chile is graded D (A to F). Of 25 checks on debt, profit, cash flow and trend: 12 pass, warnings: 4, red flags: 9. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of CHILE.SN stock?

This week's biggest flags for Banco de Chile: Margins falling, Gross margin falling, Profits not backed by cash. In total 13 of 25 checks show a warning or a red flag.

What does Banco de Chile do?

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

When does Banco de Chile report earnings next?

The next earnings report is expected on 2026-10-30. We re-run the checks every week, so the grade can change after it.

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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