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Financials · BCH

Banco De Chile (BCH) financials

For fiscal 2025 (ended Dec 31, 2025), Banco De Chile reported CLP 3.03T of revenue and CLP 1.19T of net income. Figures are in CLP, the currency of its SEC filings.

Revenue, FY2025
CLP 3.03T
Revenue growth, YoY
-1.2%
Net income, FY2025
CLP 1.19T
Net income growth, YoY
-5.1%
Net margin
39.1%
Free cash flow, FY2025
CLP 808.14B
EPS, diluted, FY2025
CLP 11.73
EPS growth, YoY
-5.1%
Cash
CLP 2.93T
Annual revenueCLP 3.03T
FY2016FY2025
Annual net incomeCLP 1.19T
FY2016FY2025
Annual free cash flowCLP 808.14B
FY2016FY2025

BCH revenue and earnings growth

BCH revenueFY2025CLP 3.03T

FY YoY
-1.2%
5Y CAGR
+9.5%
10Y CAGR
+6.2%

BCH revenue was CLP 3.03T for fiscal 2025 (ended Dec 31, 2025), down 1.2% from fiscal 2024. Compound annual growth was +9.5% over 5 years and +6.2% over 10 years. It rose in 6 of the last 10 fiscal years.

BCH net incomeFY2025CLP 1.19T

FY YoY
-5.1%
5Y CAGR
+24.2%
10Y CAGR
+6.9%

BCH net income was CLP 1.19T for fiscal 2025 (ended Dec 31, 2025), down 5.1% from fiscal 2024. Compound annual growth was +24.2% over 5 years and +6.9% over 10 years. It rose in 2 of the last 5 fiscal years.

BCH EPSFY2025CLP 11.73

FY YoY
-5.1%
5Y CAGR
+24.1%
10Y CAGR
+6.7%

BCH diluted EPS was CLP 11.73 for fiscal 2025 (ended Dec 31, 2025), down 5.1% from fiscal 2024. Compound annual growth was +24.1% over 5 years and +6.7% over 10 years.

BCH free cash flowFY2025CLP 808.14B

FY YoY
-78.0%

BCH free cash flow was CLP 808.14B for fiscal 2025 (ended Dec 31, 2025), down 78.0% from fiscal 2024. It rose in 2 of the last 4 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
RevenueCLP 3.03TCLP 3.07TCLP 3.01TCLP 3.14TCLP 2.22TCLP 1.92TCLP 2.01TCLP 1.85TCLP 1.69TCLP 1.72T
Selling, general and adminCLP 14.79BCLP 15.18BCLP 15.79BCLP 25.98BCLP 24.17BCLP 21.44BCLP 233.73BCLP 231.46BCLP 211.61BCLP 209.30B
Operating incomeCLP 1.50TCLP 1.58TCLP 1.70TCLP 1.74TCLP 1.33TCLP 504.85BCLP 771.37BCLP 756.59BCLP 681.93BCLP 671.25B
Interest expenseCLP 1.34TCLP 1.61TCLP 2.12TCLP 2.20TCLP 814.45BCLP 560.01BCLP 742.27BCLP 679.64BCLP 652.00BCLP 690.26B
Pre-tax income----CLP 1.33TCLP 504.85BCLP 777.41BCLP 763.40BCLP 687.44BCLP 675.26B
Income taxCLP 318.39BCLP 333.60BCLP 322.11BCLP 289.21B-CLP 275.97B-CLP 103.22BCLP 173.66BCLP 159.77BCLP 115.36BCLP 100.21B
Net incomeCLP 1.19TCLP 1.25TCLP 1.37TCLP 1.45TCLP 1.06TCLP 401.63B-CLP 603.74BCLP 603.63BCLP 572.08BCLP 575.05B
EPS, basicCLP 11.73CLP 12.36CLP 13.60CLP 14.31CLP 10.46CLP 3.98CLP 5.98CLP 5.98CLP 5.66CLP 5.69
EPS, dilutedCLP 11.73CLP 12.36CLP 13.60CLP 14.31CLP 10.46CLP 3.98CLP 5.98CLP 5.98CLP 5.66CLP 5.69
Diluted shares101.02B101.02B101.02B101.02B101.02B101.02B101.02B101.02B101.02B101.02B

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalentsCLP 2.93TCLP 3.26TCLP 2.99TCLP 3.15TCLP 4.00TCLP 2.28TCLP 3.11TCLP 1.28TCLP 1.44TCLP 1.66T
ReceivablesCLP 4.27BCLP 8.02BCLP 7.41BCLP 2.79BCLP 2.21B-----
Goodwill-------CLP 85.47BCLP 16.71BCLP 16.71B
Total assetsCLP 54.10TCLP 52.06TCLP 55.72TCLP 55.11TCLP 51.43TCLP 45.55TCLP 41.01TCLP 35.60TCLP 32.56TCLP 31.36T
Total debt---CLP 1.14TCLP 962.58B-----
Total liabilitiesCLP 47.42TCLP 45.55TCLP 49.64TCLP 49.68TCLP 46.61TCLP 41.55TCLP 37.11TCLP 31.93TCLP 29.02TCLP 28.05T
Shareholders' equityCLP 6.69TCLP 6.50TCLP 6.08TCLP 5.43TCLP 4.82TCLP 4.00TCLP 3.91TCLP 3.67TCLP 3.48TCLP 3.31T

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flowCLP 826.08BCLP 3.69TCLP 1.73TCLP 128.61BCLP 3.01T-CLP 2.47TCLP 1.39T-CLP 1.33TCLP 872.56BCLP 162.54B
Capital expendituresCLP 17.94BCLP 16.35BCLP 24.75BCLP 18.71BCLP 34.19BCLP 28.47BCLP 43.51BCLP 28.07BCLP 23.22BCLP 27.82B
Free cash flowCLP 808.14BCLP 3.68TCLP 1.70TCLP 109.91BCLP 2.97T-CLP 2.50TCLP 1.35T-CLP 1.36TCLP 849.34BCLP 134.72B
Investing cash flow-CLP 1.19TCLP 2.03T-CLP 346.50B-CLP 847.82B-CLP 2.99TCLP 210.31B-CLP 396.74BCLP 416.53B-CLP 1.18TCLP 523.28B
Financing cash flowCLP 110.76B-CLP 5.61T-CLP 1.56T-CLP 161.80BCLP 1.38TCLP 1.46TCLP 802.44BCLP 644.97BCLP 132.66B-CLP 711.60B
Dividends paidCLP 995.38BCLP 815.93BCLP 866.93BCLP 539.83BCLP 220.27BCLP 350.54BCLP 356.31BCLP 374.08BCLP 342.03BCLP 366.65B
Depreciation and amortization----CLP 76.80BCLP 73.36BCLP 70.54BCLP 37.68BCLP 37.54BCLP 35.58B

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY-1.2%1.8%-4.0%41.1%15.7%-4.1%8.6%9.4%-1.7%3.4%
Net income growth, YoY-5.1%-9.1%-5.0%36.9%163.0%--5.5%-0.5%-5.7%
EPS growth, YoY-5.1%-9.1%-5.0%36.8%162.8%-33.4%0.0%5.7%-0.5%-7.2%
Operating margin49.6%51.6%56.3%55.3%59.9%26.3%38.5%41.0%40.4%39.1%
Net margin39.1%40.7%45.6%46.1%47.5%20.9%-30.1%32.7%33.9%33.5%
Free cash flow margin26.7%119.9%56.4%3.5%133.6%-130.1%67.1%-73.8%50.3%7.8%
Return on equity17.7%19.2%22.6%26.6%21.9%10.0%-15.5%16.4%16.4%17.4%
Return on assets2.2%2.4%2.5%2.6%2.1%0.9%-1.5%1.7%1.8%1.8%
Debt to equity---0.210.20-----

Source: XBRL data Banco De Chile files with the SEC, latest filing dated Apr 30, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

Foreign private issuers file annual reports with the SEC, so there are no quarterly statements here.

BCH peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
BCHCLP 3.03T-1.2%CLP 1.19T39.1%$19.82B
RYC$66.61B+16.1%C$20.36B30.6%$282.66B
MUFG¥11.87T+9.5%¥1.73T14.6%$257.53B
TDC$67.78B+18.4%C$20.54B30.3%$202.90B
SAN€55.32B-1.5%€14.10B25.5%$180.35B
SMFG¥4.35T+13.6%¥1.14T26.1%$154.95B
BBVA--€10.51B-$149.88B
HDB₹2.50T+5.2%₹704.79B28.2%$132.41B

BCH FAQ

8 questions
  • What is BCH revenue?
    Banco De Chile (BCH) reported CLP 3.03T of revenue for fiscal 2025 (ended Dec 31, 2025). That is down 1.2% from the year before.
  • Is BCH profitable?
    Yes. Banco De Chile earned CLP 1.19T in net income for fiscal 2025 (ended Dec 31, 2025), a net margin of 39.1%.
  • How much cash and debt does BCH have?
    Banco De Chile reported CLP 2.93T in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is BCH revenue growing?
    Banco De Chile's revenue changed -1.2% in fiscal 2025, to CLP 3.03T. Its compound annual growth rate was +9.5% over 5 years and +6.2% over 10 years.
  • What is BCH free cash flow?
    Banco De Chile generated CLP 808.14B of free cash flow for fiscal 2025 (ended Dec 31, 2025), which is operating cash flow of CLP 826.08B less capital expenditures.
  • What is BCH earnings per share?
    Diluted earnings per share were CLP 11.73 for fiscal 2025 (ended Dec 31, 2025), from SEC filings, restated for any stock split those filings show.
  • When did BCH last report financial results?
    The latest statements here come from Banco De Chile's 20-F filed on Apr 30, 2026, covering the period ended Dec 31, 2025.
  • Where does this BCH financial data come from?
    Quantisnow builds these statements from the structured XBRL data Banco De Chile files with the SEC. It is provided for information only and is not investment advice.