Banco de Credito e Inversiones (XSGO:BCI) Cyclically Adjusted Book per Share: CLP26,358.03 (As of Mar. 2026)

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XSGO:BCI Banco de Credito e Inversiones SA XSGO:BCI
55 GF Score
Price CLP62,502.00
GF Value CLP30,559.96
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Banco de Credito e Inversiones Cyclically Adjusted Book per Share?

Banco de Credito e Inversiones XSGO:BCI -0.48% 55 Cyclically Adjusted Book per Share is CLP26,358.03 as of Mar. 2026. GuruFocus rates XSGO:BCI with a GF Score™ of 55/100 and a GF Value™ of CLP30,559.96 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Banco de Credito e Inversiones's adjusted book value per share for the three months ended in Mar. 2026 was CLP34,637.527. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is CLP26,358.03 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Banco de Credito e Inversiones's average Cyclically Adjusted Book Growth Rate was 10.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 11.20% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 13.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Banco de Credito e Inversiones was 16.40% per year. The lowest was 11.20% per year. And the median was 14.75% per year.

As of today (2026-07-19), Banco de Credito e Inversiones's current stock price is CLP62502.00. Banco de Credito e Inversiones's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was CLP26,358.03. Banco de Credito e Inversiones's Cyclically Adjusted PB Ratio of today is 2.37.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Banco de Credito e Inversiones was 2.79. The lowest was 0.97. And the median was 1.42.


Banco de Credito e Inversiones  (XSGO:BCI) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Banco de Credito e Inversiones's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=62502.00/26358.03
=2.37

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Banco de Credito e Inversiones was 2.79. The lowest was 0.97. And the median was 1.42.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Banco de Credito e Inversiones Cyclically Adjusted Book per Share Related Terms


Banco de Credito e Inversiones Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Banco de Credito e Inversiones's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banco de Credito e Inversiones Cyclically Adjusted Book per Share Chart

Banco de Credito e Inversiones Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15,491.03 18,609.42 20,525.50 23,078.42 25,589.65

Banco de Credito e Inversiones Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 23,950.12 24,356.46 25,133.32 25,589.65 26,358.03

XSGO:BCI vs PNC, USB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Banco de Credito e Inversiones's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Banco de Credito e Inversiones Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Banco de Credito e Inversiones's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Banco de Credito e Inversiones's Cyclically Adjusted PB Ratio falls into.


XSGO:BCI
55GF Score
Banco de Credito e Inversiones SA XSGO:BCI
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco de Credito e Inversiones Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Banco de Credito e Inversiones's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=34637.527/160.1900*160.1900
=34,637.527

Current CPI (Mar. 2026) = 160.1900.

Banco de Credito e Inversiones Quarterly Data

Book Value per Share CPI Adj_Book
201606 12,248.368 103.965 18,872.353
201609 12,579.198 104.521 19,279.068
201612 12,832.957 104.532 19,665.932
201703 13,168.460 105.752 19,947.212
201706 13,544.327 105.730 20,520.795
201709 13,817.420 106.035 20,874.318
201712 13,900.763 106.907 20,828.994
201803 14,102.988 107.670 20,982.336
201806 14,576.787 108.421 21,536.871
201809 14,902.740 109.369 21,827.625
201812 16,417.733 109.653 23,984.466
201903 16,773.747 110.339 24,352.124
201906 16,982.265 111.352 24,430.492
201909 17,395.102 111.821 24,919.549
201912 18,003.561 112.943 25,534.920
202003 18,956.509 114.468 26,528.246
202006 18,874.793 114.283 26,456.695
202009 18,773.875 115.275 26,088.896
202012 18,488.575 116.299 25,466.168
202103 18,947.924 117.770 25,772.911
202106 19,139.157 118.630 25,844.148
202109 20,662.900 121.431 27,258.285
202112 21,333.810 124.634 27,420.012
202203 20,781.116 128.850 25,835.597
202206 22,065.300 133.448 26,486.965
202209 23,083.055 138.101 26,775.205
202212 22,676.015 140.574 25,840.275
202303 22,689.415 143.145 25,391.088
202306 23,783.277 143.538 26,542.475
202309 25,124.254 145.172 27,723.370
202312 27,747.868 146.109 30,422.041
202403 29,963.903 148.551 32,311.668
202406 30,029.862 149.592 32,157.337
202409 30,270.590 151.212 32,067.843
202412 32,002.036 152.774 33,555.422
202503 32,335.021 155.783 33,249.779
202506 32,744.451 155.754 33,677.039
202509 34,235.773 157.870 34,738.889
202512 34,053.119 158.040 34,516.383
202603 34,637.527 160.190 34,637.527

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of CLP26,358.03 mean?
Banco de Credito e Inversiones (XSGO:BCI) has a Cyclically Adjusted Book per Share of CLP26,358.03 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Banco de Credito e Inversiones and its competitors.
Is Banco de Credito e Inversiones' Cyclically Adjusted Book per Share too high?
Banco de Credito e Inversiones' current Cyclically Adjusted Book per Share is CLP26,358.03. Overall, Banco de Credito e Inversiones has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco de Credito e Inversiones' Cyclically Adjusted Book per Share compare to PNC and USB?
Banco de Credito e Inversiones' Cyclically Adjusted Book per Share of CLP26,358.03 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Banco de Credito e Inversiones and its competitors. Banco de Credito e Inversiones's current Cyclically Adjusted Book per Share is CLP26,358.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco de Credito e Inversiones stock overvalued right now?
Based on GuruFocus' analysis, Banco de Credito e Inversiones (XSGO:BCI) is currently considered Significantly Overvalued. The stock's GF Value™ is CLP30,559.96, compared to a current price of CLP62,502.00 — trading 104.5% above its estimated fair value. The current Cyclically Adjusted Book per Share is CLP26,358.03. Banco de Credito e Inversiones' overall GF Score™ is 55/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Banco de Credito e Inversiones (XSGO:BCI), the current Cyclically Adjusted Book per Share is CLP26,358.03 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Banco de Credito e Inversiones (XSGO:BCI) Overvalued in 2026?

Based on GuruFocus' analysis, Banco de Credito e Inversiones stock appears to be overvalued. The current stock price of CLP62,502.00 is trading 104.5% above its estimated GF Value™ of CLP30,559.96. GuruFocus considers Banco de Credito e Inversiones to be Significantly Overvalued.

Key valuation signals for XSGO:BCI:

  • Cyclically Adjusted Book per Share: CLP26,358.03
  • GF Value™: CLP30,559.96 vs. price of CLP62,502.00 (104.5% above fair value)
  • GF Score™: 55/100 with 7 warning signs

No single metric tells the full story. See the XSGO:BCI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banco de Credito e Inversiones Business Description

Address Avenida el Golf 125, Las Condes, Santiago, CHL
Banco de Credito e Inversiones SA is a commercial bank incorporated in Chile. The company operations are divided into three segments: retail banking, commercial banking and investment banking. Retail operations consist of savings accounts, demand deposits, consumer and mortgage loans, credit cards, investment and insurance products. The investment banking products and services include time deposits, mutual funds, and spot and futures transactions. The company also provides factoring, stock and insurance brokering, asset management, securitization, and financial consultancy.
55GF Score

Get the complete analysis for XSGO:BCI

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CLP62,502.00
Price
CLP30,559.96
GF Value