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In calculating the Net Current Asset Value (NCAV), Benjamin Graham means a company's current assets (such as cash, marketable securities, and inventories) minus its total liabilities (including preferred stock, minority interest, and long-term debt).
The historical rank and industry rank for Banco de Credito e Inversiones's Net Current Asset Value or its related term are showing as below:
XSGO:BCI's Price-to-Net-Current-Asset-Value is not ranked *
in the Banks industry.
Industry Median: 1.18 * Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
Banco de Credito e Inversiones (XSGO:BCI) Net Current Asset Value Explanation
Benjamin Graham first discussed net current asset value (NCAV) in the 1934 edition of "Security Analysis", which he coauthored with David Dodd. In the book, (net) current asset value is defined as:" current assets alone, minus all liabilities and claims ahead of the issue."
The common definition of NCAV is: NCAV = current assets – [total liabilities + minority interest + preferred stock]
Net current assets exclude not only the intangible assets but also the fixed and miscellaneous assets. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Grahams strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their Net-Net Working Capital. They are collected under our Net-Net screener.
Banco de Credito e Inversiones Net Current Asset Value Related Terms
Banco de Credito e Inversiones Net Current Asset Value Historical Data
* 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 Net Current Asset Value Chart
XSGO:BCI vs PNC, USB: Net Current Asset Value Comparison
For the Banks - Regional subindustry, Banco de Credito e Inversiones's Price-to-Net-Current-Asset-Value, along with its competitors' market caps and Price-to-Net-Current-Asset-Value 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 Price-to-Net-Current-Asset-Value vs Banks Industry
For the Banks industry and Financial Services sector, Banco de Credito e Inversiones's Price-to-Net-Current-Asset-Value distribution charts can be found below:
* The bar in red indicates where Banco de Credito e Inversiones's Price-to-Net-Current-Asset-Value falls into.
* 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.
What does a Net Current Asset Value of CLP0.00 mean?
Banco de Credito e Inversiones (XSGO:BCI) has a Net Current Asset Value of CLP0.00 as of Mar. 2026. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Banco de Credito e Inversiones and its competitors. According to the industry distribution chart, Banco de Credito e Inversiones ranks #999999 out of 19 companies in the Banks industry.
Is Banco de Credito e Inversiones' Net Current Asset Value too high?
Banco de Credito e Inversiones' current Net Current Asset Value is CLP0.00. Based on the distribution chart, Banco de Credito e Inversiones ranks #999999 out of 19 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' Net Current Asset Value compare to PNC and USB?
According to the Banks industry distribution chart, Banco de Credito e Inversiones ranks #999999 out of 19 companies for Net Current Asset Value. This places Banco de Credito e Inversiones in the lower half of its industry. The industry median Net Current Asset Value is 1.18. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Current Asset Value for a Banks company?
The median Net Current Asset Value among Banks companies is 1.18, based on 19 companies in the industry. Companies in the top quartile (top 25%) have a Net Current Asset Value significantly above this median, while those in the bottom quartile fall well below. However, Net Current Asset Value 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 Net Current Asset Value mean?
A high Net Current Asset Value can signal that a stock is expensive relative to its fundamentals. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Banco de Credito e Inversiones and its competitors. For the Banks industry, the median Net Current Asset Value is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco de Credito e Inversiones's current Net Current Asset Value is CLP0.00. 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 CLP30,624.06, compared to a current price of CLP62,502.00 — trading 104.1% above its estimated fair value. The current Net Current Asset Value is CLP0.00. Banco de Credito e Inversiones' overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Current Asset Value calculated?
Net Current Asset Value is calculated from a company's financial statements. For Banco de Credito e Inversiones (XSGO:BCI), the current Net Current Asset Value is CLP0.00 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 CLP62,502.00 is trading 104.1% above its estimated GF Value™ of CLP30,624.06.
GuruFocus considers Banco de Credito e Inversiones to be Significantly Overvalued.
Key valuation signals for XSGO:BCI:
Net Current Asset Value: CLP0.00
GF Value™: CLP30,624.06 vs. price of CLP62,502.00 (104.1% above fair value)
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
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
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