Banco Internacional (XSGO:BINT) Cyclically Adjusted PB Ratio: (As of Sep. 21, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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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.
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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:BINT Banco Internacional XSGO:BINT
48 GF Score
Price CLP122.39
GF Value CLP89.78
! 5 Warning Signs
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What is Banco Internacional Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Banco Internacional  (XSGO:BINT) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Banco Internacional Cyclically Adjusted PB Ratio Related Terms


Banco Internacional Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Banco Internacional's Cyclically Adjusted PB Ratio 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 PB Ratio Chart

Banco Internacional Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.33 1.13 1.06 1.73 1.64

Banco Internacional Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PB Ratio 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 1.75 1.71 1.68 1.64 1.59

XSGO:BINT vs PNC, USB: Cyclically Adjusted PB Ratio 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
48GF Score
Banco Internacional XSGO:BINT
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Internacional Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Banco Internacional's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Banco Internacional's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=98.44/162.5100*162.5100
=98.440

Current CPI (Jun. 2026) = 162.5100.

Banco Internacional Quarterly Data

Book Value per Share CPI Adj_Book
201609 35.673 104.521 55.465
201612 35.879 104.532 55.779
201703 36.232 105.752 55.678
201706 34.742 105.730 53.399
201709 35.491 106.035 54.394
201712 36.395 106.907 55.324
201803 41.433 107.670 62.537
201806 39.206 108.421 58.765
201809 39.881 109.369 59.259
201812 42.903 109.653 63.584
201903 44.207 110.339 65.109
201906 47.804 111.352 69.766
201909 48.793 111.821 70.911
201912 49.711 112.943 71.528
202003 50.601 114.468 71.838
202006 52.431 114.283 74.557
202009 53.444 115.275 75.343
202012 55.090 116.299 76.980
202103 55.661 117.770 76.806
202106 57.018 118.630 78.108
202109 57.704 121.431 77.225
202112 60.910 124.634 79.420
202203 62.124 128.850 78.353
202206 63.794 133.448 77.687
202209 68.258 138.101 80.323
202212 70.856 140.574 81.913
202303 73.292 143.145 83.207
202306 76.328 143.538 86.417
202309 80.517 145.172 90.133
202312 80.683 146.109 89.740
202403 83.751 148.551 91.621
202406 86.105 149.592 93.541
202409 86.949 151.212 93.445
202412 91.254 152.774 97.069
202503 92.734 155.783 96.738
202506 88.599 155.754 92.442
202509 89.285 157.870 91.909
202512 92.960 158.040 95.589
202603 94.557 160.190 95.926
202606 98.440 162.510 98.440

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

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 36.3% above its estimated GF Value™ of CLP89.78.

Key valuation signals for XSGO:BINT:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: CLP89.78 vs. price of CLP122.39 (36.3% above fair value)
  • GF Score™: 48/100 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.
48GF Score

Get the complete analysis for XSGO:BINT

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

CLP122.39
Price
CLP89.78
GF Value