Banco de Credito e Inversiones (XSGO:BCI) E10: CLP4,048.73 (As of Mar. 2026)


XSGO:BCI Banco de Credito e Inversiones SA XSGO:BCI
63 GF Score
Price CLP60,699.00
GF Value CLP30,439.15
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Banco de Credito e Inversiones E10?

Banco de Credito e Inversiones XSGO:BCI -0.30% 63 E10 is CLP4,048.73 as of Mar. 2026. GuruFocus rates XSGO:BCI with a GF Score™ of 63/100 and a GF Value™ of CLP30,439.15 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Banco de Credito e Inversiones's adjusted earnings per share data for the three months ended in Mar. 2026 was CLP1,317.000. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is CLP4,048.73 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Banco de Credito e Inversiones's average E10 Growth Rate was 7.70% per year. During the past 3 years, the average E10 Growth Rate was 7.30% per year. During the past 5 years, the average E10 Growth Rate was 12.60% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Banco de Credito e Inversiones was 17.20% per year. The lowest was 7.30% per year. And the median was 13.10% per year.

As of today (2026-07-05), Banco de Credito e Inversiones's current stock price is CLP60699.00. Banco de Credito e Inversiones's E10 for the quarter that ended in Mar. 2026 was CLP4,048.73. Banco de Credito e Inversiones's Shiller PE Ratio of today is 14.99.

During the past 13 years, the highest Shiller PE Ratio of Banco de Credito e Inversiones was 16.93. The lowest was 5.68. And the median was 8.73.


Banco de Credito e Inversiones  (XSGO:BCI) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Banco de Credito e Inversiones's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=60699.00/4048.73
=14.99

* 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 Shiller P/E Ratio of Banco de Credito e Inversiones was 16.93. The lowest was 5.68. And the median was 8.73.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Banco de Credito e Inversiones E10 Related Terms


Banco de Credito e Inversiones E10 Historical Data

* Premium members only.

The historical data trend for Banco de Credito e Inversiones's E10 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 E10 Chart

Banco de Credito e Inversiones Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,606.20 3,175.96 3,406.59 3,632.53 3,927.02

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
E10 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 3,759.09 3,799.33 3,893.83 3,927.02 4,048.73

XSGO:BCI vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Banco de Credito e Inversiones's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Banco de Credito e Inversiones's Shiller PE Ratio falls into.


XSGO:BCI
63GF Score
Banco de Credito e Inversiones SA XSGO:BCI
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco de Credito e Inversiones E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1317/160.1946*160.1946
=1,317.000

Current CPI (Mar. 2026) = 160.1946.

Banco de Credito e Inversiones Quarterly Data

per share eps CPI Adj_EPS
201606 414.888 103.965 639.280
201609 472.079 104.521 723.536
201612 491.142 104.532 752.675
201703 717.823 105.752 1,087.369
201706 460.918 105.730 698.350
201709 425.027 106.035 642.117
201712 299.344 106.907 448.552
201803 565.263 107.670 841.019
201806 507.833 108.421 750.333
201809 540.122 109.369 791.124
201812 389.722 109.653 569.356
201903 565.272 110.339 820.685
201906 579.917 111.352 834.286
201909 461.899 111.821 661.718
201912 401.242 112.943 569.108
202003 349.807 114.468 489.543
202006 305.167 114.283 427.763
202009 308.691 115.275 428.981
202012 591.262 116.299 814.428
202103 744.795 117.770 1,013.097
202106 594.392 118.630 802.647
202109 611.705 121.431 806.978
202112 3,425.351 124.634 4,402.676
202203 974.078 128.850 1,211.033
202206 1,293.158 133.448 1,552.338
202209 905.000 138.101 1,049.786
202212 1,931.000 140.574 2,200.519
202303 1,012.000 143.145 1,132.533
202306 1,196.000 143.538 1,334.791
202309 1,094.000 145.172 1,207.209
202312 825.908 146.109 905.530
202403 949.000 148.551 1,023.386
202406 976.000 149.592 1,045.175
202409 962.000 151.212 1,019.146
202412 780.000 152.774 817.885
202503 1,251.000 155.783 1,286.428
202506 1,186.000 155.754 1,219.813
202509 1,072.000 157.866 1,087.814
202512 1,047.000 158.039 1,061.278
202603 1,317.000 160.195 1,317.000

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of CLP4,048.73 mean?
Banco de Credito e Inversiones (XSGO:BCI) has a E10 of CLP4,048.73 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings 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' E10 too high?
Banco de Credito e Inversiones' current E10 is CLP4,048.73. Overall, Banco de Credito e Inversiones has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco de Credito e Inversiones' E10 compare to PNC and USB?
Banco de Credito e Inversiones' E10 of CLP4,048.73 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings 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 E10 is CLP4,048.73. 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 CLP30,439.15, compared to a current price of CLP60,699.00 — trading 99.4% above its estimated fair value. The current E10 is CLP4,048.73. Banco de Credito e Inversiones' overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Banco de Credito e Inversiones (XSGO:BCI), the current E10 is CLP4,048.73 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 CLP60,699.00 is trading 99.4% above its estimated GF Value™ of CLP30,439.15. GuruFocus considers Banco de Credito e Inversiones to be Significantly Overvalued.

Key valuation signals for XSGO:BCI:

  • E10: CLP4,048.73
  • GF Value™: CLP30,439.15 vs. price of CLP60,699.00 (99.4% above fair value)
  • GF Score™: 63/100 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.
63GF Score

Get the complete analysis for XSGO:BCI

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CLP60,699.00
Price
CLP30,439.15
GF Value