Banco Internacional S.A. provides various banking products and services in Chile. More Details
Adequate balance sheet and slightly overvalued.
Share Price & News
How has Banco Internacional's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BINT is less volatile than 75% of CL stocks over the past 3 months, typically moving +/- 0% a week.
Volatility Over Time: BINT's weekly volatility (0%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: BINT matched the CL Banks industry which returned -5.1% over the past year.
Return vs Market: BINT matched the CL Market which returned -5.5% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Banco Internacional's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StHow Does Banco Internacional (SNSE:BINT) Stand Up To These Simple Dividend Safety Checks?
4 months ago | Simply Wall StBanco Internacional's (SNSE:BINT) Attractive Combination: Does It Earn A Place In Your Dividend Portfolio?
5 months ago | Simply Wall StIf You Had Bought Banco Internacional's (SNSE:BINT) Shares A Year Ago You Would Be Down 14%
Is Banco Internacional undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BINT (CLP65.01) is trading above our estimate of fair value (CLP15.14)
Significantly Below Fair Value: BINT is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BINT is good value based on its PE Ratio (12.3x) compared to the CL Banks industry average (15.7x).
PE vs Market: BINT is good value based on its PE Ratio (12.3x) compared to the CL market (14.7x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BINT's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BINT's PB Ratio (1.2x) is in line with the CL Banks industry average.
How is Banco Internacional forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Banco Internacional has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Banco Internacional performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BINT has a high level of non-cash earnings.
Growing Profit Margin: BINT's current net profit margins (26.5%) are lower than last year (33.6%).
Past Earnings Growth Analysis
Earnings Trend: BINT's earnings have grown significantly by 38.1% per year over the past 5 years.
Accelerating Growth: BINT's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BINT had negative earnings growth (-22%) over the past year, making it difficult to compare to the Banks industry average (-21.1%).
Return on Equity
High ROE: BINT's Return on Equity (9.5%) is considered low.
How is Banco Internacional's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BINT's Assets to Equity ratio (18.9x) is moderate.
Allowance for Bad Loans: BINT has a low allowance for bad loans (14%).
Low Risk Liabilities: 50% of BINT's liabilities are made up of primarily low risk sources of funding.
Loan Level: BINT has an appropriate level of Loans to Assets ratio (57%).
Low Risk Deposits: BINT's Loans to Deposits ratio (120%) is appropriate.
Level of Bad Loans: BINT has a high level of bad loans (15.2%).
What is Banco Internacional current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BINT's dividend (3.38%) is higher than the bottom 25% of dividend payers in the CL market (2.32%).
High Dividend: BINT's dividend (3.38%) is low compared to the top 25% of dividend payers in the CL market (5.83%).
Stability and Growth of Payments
Stable Dividend: BINT has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: BINT has only been paying a dividend for 4 years, and since then payments have fallen.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (41.7%), BINT's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Mario Chamorro Carrizo (62 yo)
Mr. Mario Chamorro Carrizo has been General Manager of Banco Internacional S.A. since November 21, 2015 and Tanner Servicios Financieros S.A. since February 2014. Mr. Carrizo served as the Chief Executive ...
|Chairman of the Board||1.75yrs||no data||no data|
|Director||1.75yrs||no data||no data|
|Director||6yrs||no data||no data|
|Director||6yrs||no data||no data|
|Director||no data||no data||no data|
|Director||no data||no data||no data|
|Vice Chairman of the Board||6yrs||no data||no data|
|Independent Director||5.33yrs||no data||no data|
|Independent Director||6yrs||no data||no data|
Experienced Board: BINT's board of directors are considered experienced (6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 9.7%.
Banco Internacional's company bio, employee growth, exchange listings and data sources
- Name: Banco Internacional
- Ticker: BINT
- Exchange: SNSE
- Founded: 1944
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: CL$243.709b
- Shares outstanding: 3.75b
- Website: https://www.bancointernacional.cl
- Banco Internacional
- Apoquindo 6750
- Pisos 11 al 16
- Las Condes
- Region Metropolitana (Santiago)
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BINT||SNSE (Santiago Stock Exchange)||Yes||Ordinary Shares||CL||CLP||Oct 2015|
Banco Internacional S.A. provides various banking products and services in Chile. Its products and services include current accounts; mortgage credit; consumer credit; debit and credit cards; investment pr...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/01/25 22:04|
|End of Day Share Price||2021/01/22 00:00|
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 here.