Banco Internacional (XSGO:BINT) Cyclically Adjusted Book per Share: CLP72.48 (As of Dec. 2025)


XSGO:BINT Banco Internacional XSGO:BINT
51 GF Score
Price CLP122.39
GF Value CLP88.52
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Banco Internacional Cyclically Adjusted Book per Share?

Banco Internacional XSGO:BINT 51 Cyclically Adjusted Book per Share is CLP72.48 as of Dec. 2025. GuruFocus rates XSGO:BINT with a GF Score™ of 51/100 and a GF Value™ of CLP88.52 (Significantly Overvalued). The stock has 5 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 Internacional's adjusted book value per share for the three months ended in Dec. 2025 was CLP92.956. 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 CLP72.48 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Banco Internacional's average Cyclically Adjusted Book Growth Rate was 6.20% 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.

As of today (2026-07-09), Banco Internacional's current stock price is CLP122.39. Banco Internacional's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2025 was CLP72.48. Banco Internacional's Cyclically Adjusted PB Ratio of today is 1.69.

During the past 12 years, the highest Cyclically Adjusted PB Ratio of Banco Internacional was 1.79. The lowest was 0.98. And the median was 1.71.


Banco Internacional  (XSGO:BINT) 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 Internacional's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=122.39/72.48
=1.69

* 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 12 years, the highest Cyclically Adjusted PB Ratio of Banco Internacional was 1.79. The lowest was 0.98. And the median was 1.71.


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 Internacional Cyclically Adjusted Book per Share Related Terms


Banco Internacional Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Banco Internacional'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 Internacional Cyclically Adjusted Book per Share Chart

Banco Internacional 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 0.00 0.00 0.00 68.26 72.48

Banco Internacional Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Jun25 Sep25 Dec25
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 66.65 68.26 70.08 71.49 72.48

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

For the Banks - Regional subindustry, Banco Internacional'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 Internacional Cyclically Adjusted PB Ratio vs Banks Industry

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

* The bar in red indicates where Banco Internacional's Cyclically Adjusted PB Ratio falls into.


XSGO:BINT
51GF Score
Banco Internacional XSGO:BINT
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco Internacional 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 Internacional's adjusted Book Value per Share data for the three months ended in Dec. 2025 was:

Adj_Book= Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=92.956/158.0400*158.0400
=92.956

Current CPI (Dec. 2025) = 158.0400.

Banco Internacional Quarterly Data

Book Value per Share CPI Adj_Book
201512 36.090 101.775 56.042
201603 36.669 102.930 56.302
201606 37.214 103.965 56.570
201609 37.934 104.521 57.358
201612 38.152 104.532 57.682
201703 38.528 105.752 57.578
201706 36.943 105.730 55.221
201709 37.740 106.035 56.250
201712 38.684 106.907 57.186
201803 44.058 107.670 64.669
201806 40.534 108.421 59.084
201809 41.233 109.369 59.582
201812 44.071 109.653 63.519
201903 45.411 110.339 65.043
201906 46.946 111.352 66.630
201909 50.122 111.821 70.839
201912 51.064 112.943 71.453
202003 51.977 114.468 71.762
202006 53.857 114.283 74.478
202009 53.444 115.275 73.271
202012 55.088 116.299 74.860
202103 55.661 117.770 74.694
202106 57.018 118.630 75.960
202109 57.704 121.431 75.101
202112 60.908 124.634 77.233
202203 62.124 128.850 76.197
202206 63.793 133.448 75.549
202209 68.257 138.101 78.112
202212 70.855 140.574 79.659
202303 73.291 143.145 80.917
202306 67.982 143.538 74.851
202309 77.089 145.172 83.922
202312 80.375 146.109 86.938
202403 83.289 148.551 88.609
202406 85.613 149.592 90.448
202409 86.221 151.212 90.114
202412 90.372 152.774 93.487
202506 88.597 155.754 89.897
202509 89.282 157.870 89.378
202512 92.956 158.040 92.956

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 CLP72.48 mean?
Banco Internacional (XSGO:BINT) has a Cyclically Adjusted Book per Share of CLP72.48 as of Dec. 2025. 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 Internacional and its competitors.
Is Banco Internacional's Cyclically Adjusted Book per Share too high?
Banco Internacional's current Cyclically Adjusted Book per Share is CLP72.48. Overall, Banco Internacional has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Internacional's Cyclically Adjusted Book per Share compare to PNC and USB?
Banco Internacional's Cyclically Adjusted Book per Share of CLP72.48 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 Internacional and its competitors. Banco Internacional's current Cyclically Adjusted Book per Share is CLP72.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Internacional stock overvalued right now?
Based on GuruFocus' analysis, Banco Internacional (XSGO:BINT) is currently considered Significantly Overvalued. The stock's GF Value™ is CLP88.52, compared to a current price of CLP122.39 — trading 38.3% above its estimated fair value. The current Cyclically Adjusted Book per Share is CLP72.48. Banco Internacional's overall GF Score™ is 51/100 with 5 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 Internacional (XSGO:BINT), the current Cyclically Adjusted Book per Share is CLP72.48 as of Dec. 2025. 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 Internacional (XSGO:BINT) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Internacional stock appears to be overvalued. The current stock price of CLP122.39 is trading 38.3% above its estimated GF Value™ of CLP88.52. GuruFocus considers Banco Internacional to be Significantly Overvalued.

Key valuation signals for XSGO:BINT:

  • Cyclically Adjusted Book per Share: CLP72.48
  • GF Value™: CLP88.52 vs. price of CLP122.39 (38.3% above fair value)
  • GF Score™: 51/100 with 5 warning signs

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


Banco Internacional Business Description

Address Avenida Apoquindo 6750, Piso 16, Las Condes, Santiago, CHL
Banco Internacional is engaged in providing banking products and services including retail & corporate banking including current accounts, insurance, leasing, factoring, money market and agricultural banking. It also provides mortgage credit, consumer credit, and online bank service. The operating segments of the company are: Commercial Banking; Personal Banking; and Treasury and Investments.
51GF Score

Get the complete analysis for XSGO:BINT

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

CLP122.39
Price
CLP88.52
GF Value