Bank of Chile

BCH — scored out of ten from its own filings

Figures as at 2024-12-31, reported in CLP. The newest fact in the filings is dated 2024-12-31, 601 days ago. Nothing on this page is advice.

The five scores

DimensionWhat it asksScore
Quality How much of the revenue is really kept — and what did it take to earn it? 8.59
Valuation What does the price ask for what the company earns, owns and pays out? 0.5
Durability How predictable is the revenue, and how much of it is already committed? 2.8
Resilience Can the balance sheet absorb a bad year? 5.0
Growth Is the business getting bigger, and is it getting more profitable? 2.55

A dimension reading not measured means the filing does not carry the figures it needs. It is left out of the total rather than scored as though it were bad.

What each measure said

A dimension's score is the weighted average of these. Each links to the page explaining how it is worked out and which XBRL tags it reads.

Quality — 8.59

MeasureWhat it isScore
SBC / sales Stock compensation over revenue, inverted 10.0
OE margin (Free cash flow − stock comp) over revenue 10.0
Adj. EBITDA margin Cash operating margin, before stock compensation 9.0
Oper. margin GAAP operating margin 8.55
ROIC Return on invested capital 6.51

Durability — 2.8

MeasureWhat it isScore
Revenue growth in the worst year on record Revenue growth in the worst year on record 4.42
Cash-flow margin stability, operating cash flow over revenue Cash-flow margin stability, operating cash flow over revenue 1.0

Resilience — 5.0

MeasureWhat it isScore
ND/EBITDA Net cash, or net debt over EBITDA 9.0
Interest cover, EBIT over interest Interest cover, EBIT over interest 1.0

Growth — 2.55

MeasureWhat it isScore
Operating margin trend, in percentage points per year Operating margin trend, in percentage points per year 5.66
Sales/sh Y/Y Revenue growth per diluted share, trailing twelve months against the prior twelve 1.0
Most recent margin move, in percentage points Most recent margin move, in percentage points 1.0

A measure missing from a list here could not be computed from this company's filings. It is left out rather than scored as though it were bad.

Revenue by fiscal year

As the company reported it, one row per year, straight from the filings.

Fiscal yearEndsRevenue
20172017-12-31 3,065,661,000
20182018-12-31 2,884,396,000
20202020-12-31 2,636,318,000
20212021-12-31 2,801,297,000

The ratios

The figures themselves rather than their scores — what somebody looking up BCH on one particular measure came for.

RatioValue
cash operating margin44.46
ebit cagr182.24
ebit yoy-6.72
fcf margin97.53
interest cover0.98
operating margin41.95
owner earnings margin97.53
revenue growth-6.76
revenue growth per share-6.76
roic38.66
rule of 4035.19
sbc pct revenue0.0

The figures, and where each came from

This is the part no other screener shows. Each figure below names the XBRL element it was read from, so it can be checked against the filing itself.

FigureValueXBRL tagAs at
capex 16,354,000,000 PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities 2024-12-31
cash 3,274,029,000,000 CashAndCashEquivalents 2024-12-31
equity 6,504,894,000,000 EquityAttributableToOwnersOfParent 2024-12-31
interest expense 1,608,304,000,000 InterestExpense 2024-12-31
ocf 3,694,137,000,000 CashFlowsFromUsedInOperatingActivities 2024-12-31
revenue 3,771,059,000,000 RevenueFromInterest 2024-12-31

What to be careful about

See it scored yourself

The dashboard puts BCH beside other companies and lets you change what counts: the weight of each dimension, the value that earns a ten, and which of the 61 measures are included at all.