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Banco De ChileBCH +0.98%68 Equity-to-Asset is 0.10 as of Jun. 2026, which is 11% above its 10-year median of 0.09. GuruFocus rates BCH with a GF Score™ of 68/100 and a GF Value™ of $28.46 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 1,525 Banks companies, Banco De Chile ranks better than 54.62% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Banco De Chile's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $6,315 Mil. Banco De Chile's Total Assets for the quarter that ended in Jun. 2026 was $61,005 Mil.
Therefore, Banco De Chile's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.10.
The historical rank and industry rank for Banco De Chile's Equity-to-Asset or its related term are showing as below:
BCH'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.09 Max: 0.13
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Banco De Chile was 0.13. The lowest was 0.08. And the median was 0.09.
BCH's Equity-to-Asset is ranked better than 54.62% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs BCH: 0.10
Banco De Chile (NYSE:BCH) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Banco De Chile Equity-to-Asset Related Terms
Banco De Chile Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Banco De Chile's Equity-to-Asset 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.
For the Banks - Regional subindustry, Banco De Chile's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Banco De Chile's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Banco De Chile's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Banco De Chile's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (BCH) has a Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Banco De Chile and its competitors. This is 11% above median its historical median of 0.09. Over the past decade, Banco De Chile's Equity-to-Asset has ranged from 0.08 to 0.13. According to the industry distribution chart, Banco De Chile ranks #692 out of 1525 companies in the Banks industry, placing it in the top 45.4%.
Is Banco De Chile's Equity-to-Asset too high?
Banco De Chile's current Equity-to-Asset of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. Banco De Chile's value of 0.10 is 0% at this industry median. Based on the distribution chart, Banco De Chile ranks #692 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Banco De Chile has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco De Chile's Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Banco De Chile ranks #692 out of 1525 companies for Equity-to-Asset. This puts Banco De Chile in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Banco De Chile's value of 0.10 is 0% at this benchmark. Historically, Banco De Chile's own Equity-to-Asset has ranged from 0.08 to 0.13 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Banco De Chile has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco De Chile's current Equity-to-Asset of 0.10 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Banco De Chile and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco De Chile's current Equity-to-Asset is 0.10, which is 11% above median its own 10-year median of 0.09. 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 (BCH) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.46, compared to a current price of $41.09 — trading 44.4% above its estimated fair value. The current Equity-to-Asset is 0.10, which is 11% above median its 10-year median of 0.09 and 0% at the Banks industry median of 0.10. Banco De Chile's overall GF Score™ is 68/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Banco De Chile (BCH), the current Equity-to-Asset is 0.10 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 (BCH) Overvalued in 2026?
Based on GuruFocus' analysis, Banco De Chile stock appears to be overvalued.
The current stock price of $41.09 is trading 44.4% above its estimated GF Value™ of $28.46.
GuruFocus considers Banco De Chile to be Significantly Overvalued.
Key valuation signals for BCH:
Equity-to-Asset: 0.10 (11% above median its 10-year median of 0.09)
GF Value™: $28.46 vs. price of $41.09 (44.4% above fair value)
Industry Position: 0% at the Banks median (#692 of 1525)
No single metric tells the full story. See the BCH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
68GF Score
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