Banco de Credito e Inversiones (XSGO:BCI) Cyclically Adjusted FCF per Share: CLP1,270.71 (As of Jun. 2026)

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XSGO:BCI Banco de Credito e Inversiones SA XSGO:BCI
66 GF Score
Price CLP62,502.00
GF Value CLP37,640.72
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Banco de Credito e Inversiones Cyclically Adjusted FCF per Share?

Banco de Credito e Inversiones XSGO:BCI 66 Cyclically Adjusted FCF per Share is CLP1,270.71 as of Jun. 2026. GuruFocus rates XSGO:BCI with a GF Score™ of 66/100 and a GF Value™ of CLP37,640.72 (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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Banco de Credito e Inversiones's adjusted free cash flow per share for the three months ended in Jun. 2026 was CLP5,604.708. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is CLP1,270.71 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Banco de Credito e Inversiones's average Cyclically Adjusted FCF Growth Rate was -8.80% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -18.00% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 24.20% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Banco de Credito e Inversiones was 47.90% per year. The lowest was -18.00% per year. And the median was 12.20% per year.

As of today (2026-08-18), Banco de Credito e Inversiones's current stock price is CLP62502.00. Banco de Credito e Inversiones's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was CLP1,270.71. Banco de Credito e Inversiones's Cyclically Adjusted Price-to-FCF of today is 49.19.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Banco de Credito e Inversiones was 331.40. The lowest was 10.15. And the median was 39.78.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Banco de Credito e Inversiones's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=62502.00/1270.71
=49.19

* 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 Price-to-FCF of Banco de Credito e Inversiones was 331.40. The lowest was 10.15. And the median was 39.78.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


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


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

* Premium members only.

The historical data trend for Banco de Credito e Inversiones's Cyclically Adjusted FCF 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 FCF per Share Chart

Banco de Credito e Inversiones Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 584.44 1,293.50 518.04 825.75 713.53

Banco de Credito e Inversiones Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF 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 1,393.53 374.94 713.53 194.63 1,270.71

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

For the Banks - Regional subindustry, Banco de Credito e Inversiones's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Banks Industry

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

* The bar in red indicates where Banco de Credito e Inversiones's Cyclically Adjusted Price-to-FCF falls into.


XSGO:BCI
66GF Score
Banco de Credito e Inversiones SA XSGO:BCI
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco de Credito e Inversiones Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=5604.708/162.5100*162.5100
=5,604.708

Current CPI (Jun. 2026) = 162.5100.

Banco de Credito e Inversiones Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -1,960.099 104.521 -3,047.585
201612 -805.728 104.532 -1,252.625
201703 -1,717.102 105.752 -2,638.688
201706 -1,087.338 105.730 -1,671.268
201709 1,954.504 106.035 2,995.481
201712 -2,191.900 106.907 -3,331.924
201803 759.433 107.670 1,146.243
201806 2,398.513 108.421 3,595.072
201809 -1,523.231 109.369 -2,263.345
201812 -2,573.410 109.653 -3,813.911
201903 -4,065.449 110.339 -5,987.699
201906 1,287.968 111.352 1,879.691
201909 1,290.396 111.821 1,875.344
201912 6,835.918 112.943 9,835.980
202003 1,967.741 114.468 2,793.591
202006 7,210.707 114.283 10,253.590
202009 -53.747 115.275 -75.771
202012 -2,437.569 116.299 -3,406.134
202103 4,596.173 117.770 6,342.243
202106 -6,166.691 118.630 -8,447.657
202109 8,852.934 121.431 11,847.840
202112 -2,450.436 124.634 -3,195.121
202203 -1,635.579 128.850 -2,062.841
202206 2,624.022 133.448 3,195.468
202209 -242.426 138.101 -285.275
202212 5,424.756 140.574 6,271.267
202303 -405.961 143.145 -460.879
202306 -225.402 143.538 -255.195
202309 -695.873 145.172 -778.982
202312 -13,136.425 146.109 -14,611.023
202403 8,477.022 148.551 9,273.613
202406 -6,111.780 149.592 -6,639.558
202409 -11,426.161 151.212 -12,279.873
202412 13,799.418 152.774 14,678.800
202503 -4,670.935 155.783 -4,872.638
202506 5,180.159 155.754 5,404.854
202509 -4,164.557 157.870 -4,286.959
202512 1,982.859 158.040 2,038.942
202603 -651.209 160.190 -660.640
202606 5,604.708 162.510 5,604.708

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of CLP1,270.71 mean?
Banco de Credito e Inversiones (XSGO:BCI) has a Cyclically Adjusted FCF per Share of CLP1,270.71 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF 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 FCF per Share too high?
Banco de Credito e Inversiones' current Cyclically Adjusted FCF per Share is CLP1,270.71. Overall, Banco de Credito e Inversiones has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco de Credito e Inversiones' Cyclically Adjusted FCF per Share compare to PNC and USB?
Banco de Credito e Inversiones' Cyclically Adjusted FCF per Share of CLP1,270.71 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF 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 FCF per Share is CLP1,270.71. 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 CLP37,640.72, compared to a current price of CLP62,502.00 — trading 66% above its estimated fair value. The current Cyclically Adjusted FCF per Share is CLP1,270.71. Banco de Credito e Inversiones' overall GF Score™ is 66/100 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Banco de Credito e Inversiones (XSGO:BCI), the current Cyclically Adjusted FCF per Share is CLP1,270.71 as of Jun. 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 66% above its estimated GF Value™ of CLP37,640.72. GuruFocus considers Banco de Credito e Inversiones to be Significantly Overvalued.

Key valuation signals for XSGO:BCI:

  • Cyclically Adjusted FCF per Share: CLP1,270.71
  • GF Value™: CLP37,640.72 vs. price of CLP62,502.00 (66% above fair value)
  • GF Score™: 66/100 with 5 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.
66GF Score

Get the complete analysis for XSGO:BCI

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

CLP62,502.00
Price
CLP37,640.72
GF Value