Banco de Crédito e Inversiones provides various banking products and services to individuals, micro-enterprises, businesses, and institutions in Chile, the United States, Latin America, and the Asia-Pacific.
The last earnings update was 75 days ago.
Discounted Cash Flow Calculation for SNSE:BCI using Excess Returns Model Model
The calculations below outline how an intrinsic value for Banco de Crédito e Inversiones is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.
In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.
The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.
The current share price of
Banco de Crédito e Inversiones
is above its future cash flow value.
Often investors are willing to pay a
for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
Banco de Crédito e Inversiones's
is considered below, and whether this is a fair price.
Price based on past earnings
Banco de Crédito e Inversiones's earnings available for a low price, and how does
this compare to other companies in the same industry?
Banco de Crédito e Inversiones's earnings are expected to grow by 12.2% yearly, however this is not considered high growth (20% yearly).
Banco de Crédito e Inversiones's revenue is expected to grow by 14.2% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Banco de Crédito e Inversiones's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
Banco de Crédito e Inversiones
has a total score of
3/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Fundamentally a bank's business is based upon borrowing and lending money, for
this reason they typically have high levels of debt and we analyse them
This treemap shows a more detailed breakdown of
Banco de Crédito e Inversiones's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
EugenioVon Chrismar Carvajal
TENURE AS CEO
Mr. Eugenio von Chrismar Carvajal serves as Chief Executive Officer of Banco de Credito e Inversiones SA since March 2015. Mr. Carvajal serves as Director of BCI Factoring SA. He holds a degree in civil engineering from Universidad de Santiago in Chile, majoring in business management at Harvard and the London Business School. He has a vast track record in the national and international financial sector, particularly in investment and corporate banking, where he stood out for leading the development of new business strategies. His experience includes 15 years working in the Mexican financial market as part of the international staff in charge of investment banking and trading in Latin America of CitiCorp, and then of Bank of America. He joined Banco de Credito e Inversiones SA in 1999 as the CFO to then run the development of the internationalization strategy by opening the first branch of the Bank in Miami and the representative offices abroad. He then developed Bci Securitizadora and led Bci Corredor de Bolsa, Bci Asset Management and Bci Asesoría Financiera, which were then consolidated into the Bci Corporate & Investment Banking division.
Insufficient data for Eugenio to compare compensation growth.
Insufficient data for Eugenio to establish whether their remuneration is reasonable compared to companies of similar size in .
Eugenio Von Chrismar Carvajal
Chief Executive Officer
José Luis Ibaibarriaga Martínez
CFO & Controller
Patricio Felix Subiabre Montero
Chief Operating & Technology Officer
Juan Gerter Calderón
Corporate Accounting Manager
Andrés Atala S.
Head of Investor Relations
Ximena Kutscher Taiba
Audit & Compliance Head
Fernando Carmash Cassis
Marcela Bravo Puldain
CSR Head and Manager of Communications & Entrepreneurial Social Responsibility
Adolfo García-Huidobro Ochagavia
Manager of Marketing
Diego Yarur Arrasate
Chief of Corporate Development & International Division
Board of Directors Tenure
Average tenure of the
Banco de Crédito e Inversiones
board of directors in years:
The tenure for the Banco de Crédito e Inversiones board of directors is about average.
Board of Directors
Luis Enrique Yarur Rey
Chairman of the Board
Lionel Olavarría Leyton
Vice Chairman of the Board
Mario Gómez Dubravcic
Juan Edgardo Goldenberg Peñafiel
José Pablo Arellano Marín
Claudia Manuela Sánchez Muñoz
Klaus Schmidt Hebbel Dunker
Miguel Ángel Gazali Nacrur
Who owns this company?
Recent Insider Trading
No 3 month open market individual insider trading information.
Banco de Crédito e Inversiones provides various banking products and services to individuals, micro-enterprises, businesses, and institutions in Chile, the United States, Latin America, and the Asia-Pacific. It operates through Retail Banking, Wholesale Banking, and Finance Division business units. The company offers current accounts, cards, and investments; insurance, payment, foreign trade, and cash management services; financing services, such as working capital, guarantee ballot, factoring, leasing, long term financing, and credit line; and institutional and real estate banking, ERNC and infrastructure project, sales and trading, and corporate finance services. It also provides wealth management and corporate services. The company was founded in 1937 and is headquartered in Santiago, Chile. Banco de Crédito e Inversiones is a subsidiary of Empresas Juan Yarur SpA.
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