Banco de Credito e Inversiones (XSGO:BCI) Margin of Safety % (DCF Earnings Based): 23.69% (As of Jun. 29, 2026)


XSGO:BCI Banco de Credito e Inversiones SA XSGO:BCI
58 GF Score
Price CLP60,200.00
GF Value CLP30,416.79
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Banco de Credito e Inversiones Margin of Safety % (DCF Earnings Based)?

Banco de Credito e Inversiones XSGO:BCI +2.03% 58 Margin of Safety % (DCF Earnings Based) is 23.69% as of Jun. 29, 2026. GuruFocus rates XSGO:BCI with a GF Score™ of 58/100 and a GF Value™ of CLP30,416.79 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-29), Banco de Credito e Inversiones's Predictability Rank is 4-Stars. Banco de Credito e Inversiones's intrinsic value calculated from the Discounted Earnings model is CLP78883.94 and current share price is CLP60200.00. Consequently,

Banco de Credito e Inversiones's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 23.69%.

XSGO:BCI vs PNC, USB: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Banco de Credito e Inversiones's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Banco de Credito e Inversiones's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Banco de Credito e Inversiones's Margin of Safety % (DCF Earnings Based) falls into.


XSGO:BCI
58GF Score
Banco de Credito e Inversiones SA XSGO:BCI
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco de Credito e Inversiones Margin of Safety % (DCF Earnings Based) Calculation

Banco de Credito e Inversiones's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(78883.94-60200.00)/78883.94
=23.69 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 23.69% mean?
Banco de Credito e Inversiones (XSGO:BCI) has a Margin of Safety % (DCF Earnings Based) of 23.69% as of Jun. 29, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Banco de Credito e Inversiones.
Is Banco de Credito e Inversiones' Margin of Safety % (DCF Earnings Based) too high?
Banco de Credito e Inversiones' current Margin of Safety % (DCF Earnings Based) is 23.69%. Overall, Banco de Credito e Inversiones has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco de Credito e Inversiones' Margin of Safety % (DCF Earnings Based) compare to PNC and USB?
Banco de Credito e Inversiones' Margin of Safety % (DCF Earnings Based) of 23.69% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Banco de Credito e Inversiones. Banco de Credito e Inversiones's current Margin of Safety % (DCF Earnings Based) is 23.69%. 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 CLP30,416.79, compared to a current price of CLP60,200.00 — trading 97.9% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 23.69%. Banco de Credito e Inversiones' overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Banco de Credito e Inversiones (XSGO:BCI), the current Margin of Safety % (DCF Earnings Based) is 23.69% as of Jun. 29, 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 CLP60,200.00 is trading 97.9% above its estimated GF Value™ of CLP30,416.79. GuruFocus considers Banco de Credito e Inversiones to be Significantly Overvalued.

Key valuation signals for XSGO:BCI:

  • Margin of Safety % (DCF Earnings Based): 23.69%
  • GF Value™: CLP30,416.79 vs. price of CLP60,200.00 (97.9% above fair value)
  • GF Score™: 58/100 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.
58GF Score

Get the complete analysis for XSGO:BCI

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CLP60,200.00
Price
CLP30,416.79
GF Value