Operating under three separate brand names (Banco de Chile, Banco Edwards-Citi, and Banco CrediChile) Banco de Chile is the second largest in the country by loans and third largest by deposits. Banco de Chile generates most of its net interest income (roughly 60% of total revenue) from its mortgage, unsecured consumer credit lines, and commercial loans, with 25% of its outstanding loans being made to firms with more than 10,000 million CLP in revenue. Outside of its banking business, Banco de Chile is the largest asset manager in the country and one of the largest security brokerages, supporting its substantial fee-based revenue.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.28
Equity-to-Asset	0.09
Debt-to-Equity	2
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.36	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

8/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	15.4
	3-Year EPS without NRI Growth Rate	45.7
	3-Year Book Growth Rate	9.4
	Future 3-5Y Total Revenue Growth Rate	2.1

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	34.23
	9-Day RSI	38.41
	14-Day RSI	41.79
	6-1 Month Momentum %	16.25
	12-1 Month Momentum %	17.66

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	7.41
	Dividend Payout Ratio	0.73
	3-Year Dividend Growth Rate	35.2
	Forward Dividend Yield %	7.41
	5-Year Yield-on-Cost %	17.24
	Shareholder Yield %	0.59

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	41.95
	FCF Margin %	26.69
	ROE %	24.61
	ROA %	2.26
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.53
	PE Ratio without NRI	7.55
	Shiller PE Ratio	11.61
	Price-to-Owner-Earnings	30.26
	PEG Ratio	0.86
	PS Ratio	3.69
	PB Ratio	2.09
	Price-to-Tangible-Book	2.14
	Price-to-Free-Cash-Flow	11.44
	Price-to-Operating-Cash-Flow	10.49
	EV-to-Revenue	5.37
	EV-to-Forward-Revenue	6.83
	EV-to-FCF	19.3
	Price-to-Projected-FCF	1.39
	Price-to-DCF (Earnings Based)	0.57
	Price-to-DCF (FCF Based)	1.11
	Price-to-Median-PS-Value	0.91
	Price-to-Peter-Lynch-Fair-Value	0.93
	Price-to-Graham-Number	0.92
	FCF Yield %	8.45
	Forward Rate of Return (Yacktman) %	12.79

GF Value: $22.5

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