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
 03:30:00 29/04/2024 am IST 		5-day change 1st Jan Change
28,000 CLP +2.00% Intraday chart for Banco de Crédito e Inversiones +3.70% +17.40%
10/04 Banco de Crédito e Inversiones Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
02/02 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 48,29,119 41,49,138 38,80,015 41,17,943 45,46,665 61,21,138 - -
Enterprise Value (EV) 1 48,29,119 41,49,138 38,80,015 41,17,943 45,46,665 61,21,138 61,21,138 61,21,138
P/E ratio 12 x 12.5 x 6.81 x 4.31 x 6.55 x 8.88 x 7.78 x 7.34 x
Yield 2.93% 3.59% 2.81% 4.14% 4.19% 5.05% 4.03% 5.29%
Capitalization / Revenue 2.55 x 2.04 x 1.8 x 1.53 x 1.86 x 2.25 x 2.07 x 1.92 x
EV / Revenue 2.55 x 2.04 x 1.8 x 1.53 x 1.86 x 2.25 x 2.07 x 1.92 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 0.72 x 0.79 x 0.7 x
Nbr of stocks (in thousands) 1,90,538 1,90,538 1,90,538 1,90,538 1,90,636 2,18,604 - -
Reference price 2 25,345 21,776 20,363 21,612 23,850 28,001 28,001 28,001
Announcement Date 04/02/20 26/01/21 31/01/22 31/01/23 11/01/24 - - -
1CLP in Million2CLP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 18,91,788 20,32,328 21,61,303 26,99,087 24,42,537 27,16,566 29,51,476 31,81,855
EBITDA - - - - - - - -
EBIT 1 5,27,136 3,47,629 7,19,761 14,06,772 8,41,540 8,34,593 9,12,812 9,52,376
Operating Margin 27.86% 17.1% 33.3% 52.12% 34.45% 30.72% 30.93% 29.93%
Earnings before Tax (EBT) 1 - - 7,22,028 9,11,902 8,17,975 9,21,000 10,82,000 11,96,000
Net income 1 4,02,645 3,17,454 5,20,391 8,21,023 6,82,468 7,22,703 7,99,150 8,97,181
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 04/02/20 26/01/21 31/01/22 31/01/23 11/01/24 - - -
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 5,51,465 6,13,289 6,22,261 6,94,889 6,66,480 7,15,459 6,14,217 6,37,223 5,45,931 6,73,454 7,05,858 6,79,000 6,70,000 7,03,000
EBITDA - - - - - - - - - - - - - -
EBIT 1 3,00,837 1,77,241 2,14,301 4,11,234 3,65,463 3,12,888 3,25,372 2,20,999 1,81,055 2,43,676 3,80,254 2,21,178 2,14,209 1,81,272
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) 2,12,389 1,79,911 2,05,891 2,91,453 - 1,64,772 1,96,539 2,15,750 1,99,378 2,06,308 - 2,24,000 2,23,000 2,13,000
Net income 1 1,18,091 1,30,619 1,89,398 2,51,455 1,89,414 1,90,757 1,70,910 2,01,865 1,29,146 1,80,547 2,07,432 1,73,000 1,73,000 1,69,000
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 1,094 453.0 949.0 - - -
Dividend per Share - - 826.3 - - - - - - - - - - -
Announcement Date 30/10/21 31/01/22 14/04/22 12/07/22 14/10/22 31/01/23 14/04/23 13/07/23 12/10/23 11/01/24 10/04/24 - - -
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 4,51,14,286 5,37,46,550 6,31,57,313 7,36,14,543 7,86,70,663 8,32,60,710 8,89,92,196 9,41,42,773
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 04/02/20 26/01/21 31/01/22 31/01/23 11/01/24 - - -
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
28,001 CLP
Average target price
29,370 CLP
Spread / Average Target
+4.89%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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