SNSE:BINT

Stock Analysis Report

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Banco Internacional

Executive Summary

Banco Internacional S.A. provides various banking products and services in Chile. More Details


Snowflake Analysis

Adequate balance sheet and slightly overvalued.


Similar Companies

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.


Market Performance


7 Day Return

0%

BINT

-2.5%

CL Banks

-1.3%

CL Market


1 Year Return

-5.7%

BINT

-5.1%

CL Banks

-5.5%

CL Market

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.


Shareholder returns

BINTIndustryMarket
7 Day0%-2.5%-1.3%
30 Day0%7.4%7.4%
90 Day0%18.7%16.0%
1 Year0.3%-5.7%-0.4%-5.1%-1.1%-5.5%
3 Year18.3%1.1%-10.5%-20.5%-19.6%-27.9%
5 Year21.9%-2.4%60.7%30.9%21.9%-5.9%

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

Valuation

Is Banco Internacional undervalued compared to its fair value and its price relative to the market?

12.33x

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.


Next Steps

Future Growth

How is Banco Internacional forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

24.0%

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.


Next Steps

Past Performance

How has Banco Internacional performed over the past 5 years?

38.1%

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.


Next Steps

Financial Health

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


Balance Sheet


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%).


Next Steps

Dividend

What is Banco Internacional current dividend yield, its reliability and sustainability?

3.38%

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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

6.0yrs

Average board tenure


CEO

Mario Chamorro Carrizo (62 yo)

5.17yrs

Tenure

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 ...


Board Members

NamePositionTenureCompensationOwnership
Segismundo Schulin-Zeuthen Serrano
Chairman of the Board1.75yrsno datano data
Sebastián Claro Edwards
Director1.75yrsno datano data
Francisco Vial Bezanilla
Director6yrsno datano data
Pablo Ihnen De La Fuente
Director6yrsno datano data
Andrés Navarro Betteley
Directorno datano datano data
Carlos Brito Claissac
Directorno datano datano data
Andrés Solari Urquieta
Vice Chairman of the Board6yrsno datano data
Juan Antonio Minassian Baloian
Independent Director5.33yrsno datano data
Fernando Lefort Gorchs
Independent Director6yrsno datano data

6.0yrs

Average Tenure

Experienced Board: BINT's board of directors are considered experienced (6 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 9.7%.


Top Shareholders

Company Information

Banco Internacional's company bio, employee growth, exchange listings and data sources


Key Information

  • 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

Location

  • Banco Internacional
  • Apoquindo 6750
  • Pisos 11 al 16
  • Las Condes
  • Region Metropolitana (Santiago)
  • Chile

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BINTSNSE (Santiago Stock Exchange)YesOrdinary SharesCLCLPOct 2015

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/01/25 22:04
End of Day Share Price2021/01/22 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


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.