Banco de Crédito e Inversiones

SNSE:BCI Stock Report

Market Cap: CL$8.2t

Banco de Crédito e Inversiones Past Earnings Performance

Past criteria checks 5/6

Banco de Crédito e Inversiones has been growing earnings at an average annual rate of 18.3%, while the Banks industry saw earnings growing at 19.7% annually. Revenues have been growing at an average rate of 12.1% per year. Banco de Crédito e Inversiones's return on equity is 12.3%, and it has net margins of 34.4%.

Key information

18.3%

Earnings growth rate

16.0%

EPS growth rate

Banks Industry Growth22.8%
Revenue growth rate12.1%
Return on equity12.3%
Net Margin34.4%
Next Earnings Update07 May 2025

Recent past performance updates

Recent updates

author-image

Expansion Of MACH Platform And High-Yield Investments Will Ignite Profitability And Drive Earnings Growth

Dec 04 Strong net income growth and strategic management bolster future revenue and earnings potential.

Revenue & Expenses Breakdown

How Banco de Crédito e Inversiones makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

SNSE:BCI Revenue, expenses and earnings (CLP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 252,525,053867,6081,344,1650
31 Dec 242,415,498801,6421,298,6440
30 Sep 242,383,636811,7661,322,5880
30 Jun 242,309,935730,5031,290,7820
31 Mar 242,222,617718,9901,268,3520
31 Dec 232,121,074682,4681,240,1820
30 Sep 232,069,047692,4771,197,8070
30 Jun 232,155,092752,7451,190,4920
31 Mar 232,205,817802,3351,170,9470
31 Dec 222,204,194820,8221,145,8010
30 Sep 222,099,560760,5071,097,5560
30 Jun 221,976,574684,5491,038,6350
31 Mar 221,806,451552,532980,3420
31 Dec 211,755,933520,391954,1220
30 Sep 211,634,576483,505936,0600
30 Jun 211,510,640435,077931,1900
31 Mar 211,429,702379,906936,7160
31 Dec 201,376,261317,454941,7290
30 Sep 201,411,155304,518917,7140
30 Jun 201,456,670330,314916,7340
31 Mar 201,509,198378,383914,9500
31 Dec 191,475,630402,645893,8460
30 Sep 191,463,063415,142892,3570
30 Jun 191,417,364419,450869,9390
31 Mar 191,349,152405,460833,7280
31 Dec 181,317,613395,794810,1240
30 Sep 181,265,375359,519771,0130
30 Jun 181,218,564347,871736,7310
31 Mar 181,205,048339,960719,4060
31 Dec 171,167,106371,403697,0670
30 Sep 171,147,903400,785681,4710
30 Jun 171,140,444409,878670,3190
31 Mar 171,121,204407,094662,2770
31 Dec 161,100,635340,165643,4010
30 Sep 161,079,202340,768629,0410
30 Jun 161,027,282322,638593,0810
31 Mar 16996,728324,762559,5000
31 Dec 15967,170330,819530,9770
30 Sep 15945,436337,012499,4560
30 Jun 15948,875345,420494,6240
31 Mar 15924,994337,539489,3270
31 Dec 14915,004342,972479,8390
30 Sep 14911,924351,420467,3510
30 Jun 14900,016351,918456,1210

Quality Earnings: BCI has high quality earnings.

Growing Profit Margin: BCI's current net profit margins (34.4%) are higher than last year (32.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BCI's earnings have grown by 18.3% per year over the past 5 years.

Accelerating Growth: BCI's earnings growth over the past year (20.7%) exceeds its 5-year average (18.3% per year).

Earnings vs Industry: BCI earnings growth over the past year (20.7%) exceeded the Banks industry 2.3%.

Return on Equity

High ROE: BCI's Return on Equity (12.3%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/05/04 02:05
End of Day Share Price 2025/05/02 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Banco de Crédito e Inversiones is covered by 16 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ernesto Gabilondo MárquezBofA Global Research
Murilo RicciniBradesco S.A. Corretora de Títulos e Valores Mobiliários
Javier Pizarro SalaCitigroup Inc