Banco De Chile (XSGO:CHILE) Cyclically Adjusted FCF per Share: CLP7.14 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XSGO:CHILE Banco De Chile XSGO:CHILE
64 GF Score
Price CLP188.50
GF Value CLP130.05
Valuation Significantly Overvalued
! 9 Warning Signs
View Full Analysis

What is Banco De Chile Cyclically Adjusted FCF per Share?

Banco De Chile XSGO:CHILE 64 Cyclically Adjusted FCF per Share is CLP7.14 as of Jun. 2026. GuruFocus rates XSGO:CHILE with a GF Score™ of 64/100 and a GF Value™ of CLP130.05 (Significantly Overvalued). The stock has 9 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 Chile's adjusted free cash flow per share for the three months ended in Jun. 2026 was CLP-2.378. 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 CLP7.14 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Banco De Chile's average Cyclically Adjusted FCF Growth Rate was 1.60% 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 Chile was 23.40% per year. The lowest was -34.50% per year. And the median was 1.00% per year.

As of today (2026-08-19), Banco De Chile's current stock price is CLP188.50. Banco De Chile's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was CLP7.14. Banco De Chile's Cyclically Adjusted Price-to-FCF of today is 26.40.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Banco De Chile was 965.00. The lowest was 18.99. And the median was 25.63.


Banco De Chile  (XSGO:CHILE) 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 Chile's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=188.50/7.14
=26.40

* 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 Chile was 965.00. The lowest was 18.99. And the median was 25.63.


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 Chile Cyclically Adjusted FCF per Share Related Terms


Banco De Chile Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Banco De Chile'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 Chile Cyclically Adjusted FCF per Share Chart

Banco De Chile 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 -1.92 -1.61 0.17 4.15 7.65

Banco De Chile 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 7.03 7.12 7.65 7.21 7.14

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

For the Banks - Regional subindustry, Banco De Chile'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 Chile Cyclically Adjusted Price-to-FCF vs Banks Industry

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

* The bar in red indicates where Banco De Chile's Cyclically Adjusted Price-to-FCF falls into.


XSGO:CHILE
64GF Score
Banco De Chile XSGO:CHILE
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco De Chile 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 Chile'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)
=-2.378/162.5100*162.5100
=-2.378

Current CPI (Jun. 2026) = 162.5100.

Banco De Chile Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -1.385 104.521 -2.153
201612 0.759 104.532 1.180
201703 1.125 105.752 1.729
201706 2.831 105.730 4.351
201709 1.518 106.035 2.326
201712 2.667 106.907 4.054
201803 0.976 107.670 1.473
201806 -2.191 108.421 -3.284
201809 -3.629 109.369 -5.392
201812 -8.865 109.653 -13.138
201903 9.982 110.339 14.702
201906 -7.052 111.352 -10.292
201909 0.328 111.821 0.477
201912 9.837 112.943 14.154
202003 2.257 114.468 3.204
202006 -6.826 114.283 -9.707
202009 2.526 115.275 3.561
202012 -22.906 116.299 -32.008
202103 -22.950 117.770 -31.669
202106 15.676 118.630 21.474
202109 10.782 121.431 14.429
202112 25.606 124.634 33.388
202203 -13.537 128.850 -17.073
202206 -1.287 133.448 -1.567
202209 0.213 138.101 0.251
202212 15.112 140.574 17.470
202303 -4.819 143.145 -5.471
202306 -0.302 143.538 -0.342
202309 20.817 145.172 23.303
202312 0.500 146.109 0.556
202403 -1.057 148.551 -1.156
202406 -4.265 149.592 -4.633
202409 -3.948 151.212 -4.243
202412 45.106 152.774 47.980
202503 12.712 155.783 13.261
202506 4.435 155.754 4.627
202509 -12.001 157.870 -12.354
202512 2.253 158.040 2.317
202603 -1.938 160.190 -1.966
202606 -2.378 162.510 -2.378

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 CLP7.14 mean?
Banco De Chile (XSGO:CHILE) has a Cyclically Adjusted FCF per Share of CLP7.14 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 Chile and its competitors.
Is Banco De Chile's Cyclically Adjusted FCF per Share too high?
Banco De Chile's current Cyclically Adjusted FCF per Share is CLP7.14. Overall, Banco De Chile has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco De Chile's Cyclically Adjusted FCF per Share compare to PNC and USB?
Banco De Chile's Cyclically Adjusted FCF per Share of CLP7.14 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 Chile and its competitors. Banco De Chile's current Cyclically Adjusted FCF per Share is CLP7.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco De Chile stock overvalued right now?
Based on GuruFocus' analysis, Banco De Chile (XSGO:CHILE) is currently considered Significantly Overvalued. The stock's GF Value™ is CLP130.05, compared to a current price of CLP188.50 — trading 44.9% above its estimated fair value. The current Cyclically Adjusted FCF per Share is CLP7.14. Banco De Chile's overall GF Score™ is 64/100 with 9 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 Chile (XSGO:CHILE), the current Cyclically Adjusted FCF per Share is CLP7.14 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 Chile (XSGO:CHILE) Overvalued in 2026?

Based on GuruFocus' analysis, Banco De Chile stock appears to be overvalued. The current stock price of CLP188.50 is trading 44.9% above its estimated GF Value™ of CLP130.05. GuruFocus considers Banco De Chile to be Significantly Overvalued.

Key valuation signals for XSGO:CHILE:

  • Cyclically Adjusted FCF per Share: CLP7.14
  • GF Value™: CLP130.05 vs. price of CLP188.50 (44.9% above fair value)
  • GF Score™: 64/100 with 9 warning signs

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


Banco De Chile Business Description

Address Paseo Ahumada 251, Santiago, CHL
Operating under three separate brand names (Banco de Chile, Banco Edwards-Citi, and Banco CrediChile), Banco de Chile is the second largest in the country by loans and third largest by deposits. Banco de Chile generates most of its net interest income (roughly 60% of total revenue) from its mortgage, unsecured consumer credit lines, and commercial loans, with 25% of its outstanding loans being made to firms with more than 10,000 million CLP in revenue. Outside of its banking business, Banco de Chile is the largest asset manager in the country and one of the largest security brokerages, supporting its substantial fee-based revenue.
64GF Score

Get the complete analysis for XSGO:CHILE

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

CLP188.50
Price
CLP130.05
GF Value