Banco De Chile (FRA:G4RA) FCF Margin %: -26.24% (As of Mar. 2026)


FRA:G4RA Banco De Chile FRA:G4RA
66 GF Score
Price €33.60
GF Value €21.35
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Banco De Chile FCF Margin %?

Banco De Chile FRA:G4RA +1.20% 66 FCF Margin % is -26.24% as of Mar. 2026. GuruFocus rates FRA:G4RA with a GF Score™ of 66/100 and a GF Value™ of €21.35 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,505 Banks companies, Banco De Chile ranks worse than 80.73% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Banco De Chile's Free Cash Flow for the three months ended in Mar. 2026 was €-186 Mil. Banco De Chile's Revenue for the three months ended in Mar. 2026 was €707 Mil. Therefore, Banco De Chile's FCF Margin % for the quarter that ended in Mar. 2026 was -26.24%.

As of today, Banco De Chile's current FCF Yield % is -4.02%.

The historical rank and industry rank for Banco De Chile's FCF Margin % or its related term are showing as below:

FRA:G4RA' s FCF Margin % Range Over the Past 10 Years
Min: -130.78   Med: 37.2   Max: 132.73
Current: -23.01


During the past 13 years, the highest FCF Margin % of Banco De Chile was 132.73%. The lowest was -130.78%. And the median was 37.20%.

FRA:G4RA's FCF Margin % is ranked worse than
80.73% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs FRA:G4RA: -23.01


Banco De Chile FCF Margin % Related Terms


Banco De Chile FCF Margin % Historical Data

* Premium members only.

The historical data trend for Banco De Chile's FCF Margin % 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 FCF Margin % Chart

Banco De Chile Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 132.73 1.62 55.19 119.07 25.03

Banco De Chile Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % 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 165.43 59.40 -169.05 29.92 -26.24

FRA:G4RA vs PNC, USB: FCF Margin % Comparison

For the Banks - Regional subindustry, Banco De Chile's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Banco De Chile's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Banco De Chile's FCF Margin % falls into.


FRA:G4RA
66GF Score
Banco De Chile FRA:G4RA
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco De Chile FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Banco De Chile's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=699.664/2795.857
=25.03 %

Banco De Chile's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-185.515/706.968
=-26.24 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -26.24% mean?
Banco De Chile (FRA:G4RA) has a FCF Margin % of -26.24% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banco De Chile and its competitors. According to the industry distribution chart, Banco De Chile ranks #1215 out of 1505 companies in the Banks industry, placing it in the top 80.7%.
Is Banco De Chile's FCF Margin % too high?
Banco De Chile's current FCF Margin % is -26.24%. Based on the distribution chart, Banco De Chile ranks #1215 out of 1505 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banco De Chile 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 Chile's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco De Chile ranks #1215 out of 1505 companies for FCF Margin %. This places Banco De Chile in the lower half of its industry. The industry median FCF Margin % is 26.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banco De Chile and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco De Chile's current FCF Margin % is -26.24%. 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 (FRA:G4RA) is currently considered Significantly Overvalued. The stock's GF Value™ is €21.35, compared to a current price of €33.60 — trading 57.4% above its estimated fair value. The current FCF Margin % is -26.24%. Banco De Chile's overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Banco De Chile (FRA:G4RA), the current FCF Margin % is -26.24% 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 Chile (FRA:G4RA) Overvalued in 2026?

Based on GuruFocus' analysis, Banco De Chile stock appears to be overvalued. The current stock price of €33.60 is trading 57.4% above its estimated GF Value™ of €21.35. GuruFocus considers Banco De Chile to be Significantly Overvalued.

Key valuation signals for FRA:G4RA:

  • FCF Margin %: -26.24%
  • GF Value™: €21.35 vs. price of €33.60 (57.4% above fair value)
  • GF Score™: 66/100 with 8 warning signs

No single metric tells the full story. See the FRA:G4RA 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.
66GF Score

Get the complete analysis for FRA:G4RA

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

€33.60
Price
€21.35
GF Value