Operating across Chile, Banco de Chile (BCH) and its subsidiaries offer a wide array of banking and financial products and services to ...
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Est. EPS $660.38 · Revenue $830.15B · 3 analysts
Est. EPS $640.60 · Revenue $847.07B · 3 analysts
Est. EPS $2565.97 · Revenue $3.29T · 4 analysts
Est. EPS $657.08 · Revenue $785.34B · 1 analysts
EPS CLP 792.00 · Revenue CLP 1.43T
$0.00 per share
EPS CLP 552.00 · Revenue CLP 1.05T
$0.00 per share
EPS CLP 2360.00 · Revenue CLP 3.03T
EPS CLP 580.00 · Revenue CLP 977.62B
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $3026.0B | -34.9% | +36.0% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $1192.3B | -4.5% | +42.3% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +87.4% | +51.1% | -12.0% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +50.0% | +46.8% | -2.2% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +39.4% | +46.7% | +4.6% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $748.8B | +97.4% | +179.7% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +24.7% | +203.1% | +158.6% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 202.5% | +9.2% | -3.5% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.24x | -13.4% | -20.9% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $54104.6B | +3.9% | +1.1% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 2360.00 vs 2351.40 | +0.4% | 792.00 vs 650.56 | +21.7% |
| Revenue Surprise | $3026.0B vs $3062.2B | -1.2% | $1432.6B vs $896.1B | +59.9% |
Operator: Good afternoon, and welcome to Banco de Chile's Second Quarter 2026 Results Conference Call. If you need a copy of the financial management review, it is available on the company's website. Today with us, we have Mr. Rodrigo Aravena, Chief Economist and Institutional Relations Officer; Mr. Pablo Mejia, Head of Investor Relations; and Daniel Galarce, Head of Financial Control and Capital. Before we begin, I would like to remind you that this call is being recorded, and the information discussed today may include forward-looking statements regarding the company's financial and operating performance. All projections are subject to risks and uncertainties, and actual results may differ materially. Please refer to the detailed note in the company's press release regarding forward-looking statements. I will now turn the call over to Mr. Rodrigo Aravena. Please go ahead. Rodrigo Aravena: Good afternoon, everyone. Thank you for joining this quarterly conference call, where we will discuss the overall performance of the bank as well as the main trends observed in the business environment. We have completed an outstanding quarter, performing well in several key strategic areas such as profitability, demand deposit market share in local currency, and asset quality, while maintaining both the largest coverage ratio and the soundest capital adequacy among relevant peers. We also achieved important milestones in non-financial areas, such as the increased adoption of digital tools, the materialization of new commercial alliances, productivity gains, and advances in ESG, which we will discuss in more detail throughout this presentation. As in previous conference calls, before reviewing our performance during the quarter, I'd like to briefly discuss the macroeconomic environment we are facing. Please turn to Slide #3. The Chilean economy has evidenced lower-than-expected dynamism. As shown in the chart on the upper left, activity declined during the first 5 months of the year, leading to a weak expansion of 0.1% year-on-year in the second quarter after a 3.5% contraction in the first quarter. As a result, the GDP declined by 0.2% year-on-year in the first half. That said, we expect this negative growth to be temporary and activity to rebound from the third quarter onwards. There are several reasons behind this assessment. The first is the composition of growth. Since the contraction in activity has been driven mainly by supply side sectors, which tend to be more volatile and more exposed to temporary factors that reverse faster. Mining, for instance, has been one of the main contributors to lower activity after contracting 3.1% and 5.2% year-on-year in the first and second quarters, respectively, reflecting how this sector has decoupled from the rest of the economy as shown in the chart on the other right. Other supply side sectors, including fishing and manufacturing, have also posted decline partly offset by sectors more closely linked to demand, …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Hernan Buchi Buc | Director | CLP 207,000,000 | Male | 1949 | Active |
Cristian Lagos Contardo | Manager of People & Organisation Division | — | Male | 1966 | Active |
Eduardo Ebensperger Orrego | Chief Executive Officer | — | Male | 1965 | Active |
Esteban Kemp De La Hoz | Manager of Marketing, Technology & Digital Division | — | Male | 1981 | Active |
Felipe Echaiz Bornemann | Manager of Global Compliance Division | — | Male | 1967 | Active |
Alfredo Villegas Montes | General Counsel & Secretary of the Board of Directors | — | Male | 1971 | Active |
Hector Hernandez Gonzalez | General Manager of Accounting | — | Male | — | Active |
Rodrigo Aravena | Chief Economist & Senior Vice President of Institutional Relations | — | Male | — | Active |
Rolando Arias Sanchez | Chief Financial Officer | — | Male | 1965 | Active |
Pablo Camilo Mejia Ricci | Head of Investor Relations | — | Male | — | Active |
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Investors need to pay close attention to BCH stock based on the movements in the options market lately.
Banco De Chile (BCH) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.
Treasury yields are climbing as traders position for the Kevin Warsh appointment to the Federal Reserve, with markets pricing in a more growth-friendly path that could steepen the yield curve and reprice fixed-rate bank assets at higher levels.
Banco de Chile (BCH) Q1 2026 Earnings Call Transcript
