Banco Itaú Chile (ITAUCL.SN) stock analysis

In our weekly check, Banco Itaú Chile is graded D (A to F). Of 25 checks on debt, profit, cash flow and trend: 10 pass, warnings: 4, red flags: 11.

About Banco Itaú Chile

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

What our checks show for ITAUCL.SN

Red flags

• The net margin fell by 12.7 points over 5 years, to 8.3%: 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.
• Analysts expect revenue to shrink about 17.7% a year.
• Revenue fell 6.6% a year over the last 3 years.
• Free cash flow is negative (-21.7% of revenue): the business spends more cash than it brings in.
• The dividend takes 102% of profit: little cushion if profit falls.
• The stock has fallen as much as 82% from a peak. Would you have held through that?
• Thinly traded (about 41 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is zero or negative: the business does not earn on the money put into it.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Earnings per share fell 16.5% a year over the last 3 years.
• Net profit fell 16.5% a year over the last 3 years.
• The net margin is only 8.3%: little room if costs rise.
• The stock is still below its previous peak.

Strengths

• The gross margin is 50.6% and has risen by 50.6 points: pricing power is holding.
• Analysts expect earnings per share to grow about 46.7% a year over the next years.
• Analysts expect the net margin to improve by 25.5 points from today's 8.3%.
• Beta 0.54: the stock usually moves less than the market.

Similar companies

KOTAKBANK.NS · 8308.T · 8309.T · AXISBANK.NS · 138930.KS

Questions

What grade does Banco Itaú Chile (ITAUCL.SN) have?

In our weekly check, Banco Itaú Chile is graded D (A to F). Of 25 checks on debt, profit, cash flow and trend: 10 pass, warnings: 4, red flags: 11. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of ITAUCL.SN stock?

This week's biggest flags for Banco Itaú Chile: Margins falling, Profits not backed by cash, Weak revenue forecast. In total 15 of 25 checks show a warning or a red flag.

What does Banco Itaú Chile do?

Banco Itaú Chile is a Financial Services company (Banks - Regional) based in Chile, listed on SGO as ITAUCL.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 2026-11-07

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