Stock BCI BANCO DE CRÉDITO E INVERSIONES
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Financials Banco de Crédito e Inversiones

Equities

BCI

CLP321331116

Banks

End-of-day quote Santiago S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
27,450 CLP +0.24% Intraday chart for Banco de Crédito e Inversiones +2.43% +15.09%
Apr. 10 Banco de Crédito e Inversiones Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Feb. 02 Transcript : Banco de Crédito e Inversiones, Q4 2023 Earnings Call, Feb 02, 2024

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 4,829,119 4,149,138 3,880,015 4,117,943 4,546,665 6,000,687 - -
Enterprise Value (EV) 1 4,829,119 4,149,138 3,880,015 4,117,943 4,546,665 6,000,687 6,000,687 6,000,687
P/E ratio 12 x 12.5 x 6.81 x 4.31 x 6.55 x 8.7 x 7.62 x 7.2 x
Yield 2.93% 3.59% 2.81% 4.14% 4.19% 5.15% 4.11% 5.4%
Capitalization / Revenue 2.55 x 2.04 x 1.8 x 1.53 x 1.86 x 2.21 x 2.03 x 1.89 x
EV / Revenue 2.55 x 2.04 x 1.8 x 1.53 x 1.86 x 2.21 x 2.03 x 1.89 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.27 x 1.07 x 0.86 x 0.86 x 0.86 x 0.71 x 0.77 x 0.68 x
Nbr of stocks (in thousands) 190,538 190,538 190,538 190,538 190,636 218,604 - -
Reference price 2 25,345 21,776 20,363 21,612 23,850 27,450 27,450 27,450
Announcement Date 2/4/20 1/26/21 1/31/22 1/31/23 1/11/24 - - -
1CLP in Million2CLP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,891,788 2,032,328 2,161,303 2,699,087 2,442,537 2,716,566 2,951,476 3,181,855
EBITDA - - - - - - - -
EBIT 1 527,136 347,629 719,761 1,406,772 841,540 834,593 912,812 952,376
Operating Margin 27.86% 17.1% 33.3% 52.12% 34.45% 30.72% 30.93% 29.93%
Earnings before Tax (EBT) 1 - - 722,028 911,902 817,975 921,000 1,082,000 1,196,000
Net income 1 402,645 317,454 520,391 821,023 682,468 722,703 799,150 897,181
Net margin 21.28% 15.62% 24.08% 30.42% 27.94% 26.6% 27.08% 28.2%
EPS 2 2,113 1,746 2,992 5,019 3,639 3,154 3,601 3,814
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 743.2 780.8 572.7 895.0 1,000 1,415 1,128 1,482
Announcement Date 2/4/20 1/26/21 1/31/22 1/31/23 1/11/24 - - -
1CLP in Million2CLP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 551,465 613,289 622,261 694,889 666,480 715,459 614,217 637,223 545,931 673,454 705,858 679,000 670,000 703,000
EBITDA - - - - - - - - - - - - - -
EBIT 1 300,837 177,241 214,301 411,234 365,463 312,888 325,372 220,999 181,055 243,676 380,254 221,178 214,209 181,272
Operating Margin 54.55% 28.9% 34.44% 59.18% 54.83% 43.73% 52.97% 34.68% 33.16% 36.18% 53.87% 32.57% 31.97% 25.79%
Earnings before Tax (EBT) 212,389 179,911 205,891 291,453 - 164,772 196,539 215,750 199,378 206,308 - 224,000 223,000 213,000
Net income 1 118,091 130,619 189,398 251,455 189,414 190,757 170,910 201,865 129,146 180,547 207,432 173,000 173,000 169,000
Net margin 21.41% 21.3% 30.44% 36.19% 28.42% 26.66% 27.83% 31.68% 23.66% 26.81% 29.39% 25.48% 25.82% 24.04%
EPS 2 649.6 848.4 1,089 1,225 1,077 1,436 896.7 1,196 1,094 453.0 720.2 - - -
Dividend per Share - - 826.3 - - - - - - - - - - -
Announcement Date 10/30/21 1/31/22 4/14/22 7/12/22 10/14/22 1/31/23 4/14/23 7/13/23 10/12/23 1/11/24 4/10/24 - - -
1CLP in Million2CLP
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 11.3% 8.26% 12.4% 17.7% 12.6% 11.5% 11.6% 12.2%
ROA (Net income/ Total Assets) 0.89% 0.59% 0.82% 1.12% 0.87% 0.87% 0.9% 0.95%
Assets 1 45,114,286 53,746,550 63,157,313 73,614,543 78,670,663 83,260,710 88,992,196 94,142,773
Book Value Per Share 2 19,899 20,435 23,618 25,063 27,748 38,792 35,572 40,175
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/4/20 1/26/21 1/31/22 1/31/23 1/11/24 - - -
1CLP in Million2CLP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Banco de Crédito e Inversiones

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
9
Last Close Price
27,450 CLP
Average target price
29,370 CLP
Spread / Average Target
+6.99%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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