The historical rank and industry rank for Banco de Credito e Inversiones's Net Margin % or its related term are showing as below:
XSGO:BCI'
s Net Margin % Range Over the Past 10 Years
Min: 15.64 Med: 25.75 Max: 45.22
Current: 32.36
XSGO:BCI's Net Margin % is ranked better than 68.69% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs XSGO:BCI: 32.36
Banco de Credito e Inversiones (XSGO:BCI) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Banco de Credito e Inversiones Net Margin % Related Terms
Banco de Credito e Inversiones Net Margin % 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.
For the Banks - Regional subindustry, Banco de Credito e Inversiones's Net Margin %, along with its competitors' market caps and Net 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 Credito e Inversiones Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco de Credito e Inversiones's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banco de Credito e Inversiones's Net Margin % 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.
Banco de Credito e Inversiones (XSGO:BCI) has a Net Margin % of 36.68% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Banco de Credito e Inversiones and its competitors. This is 42% above median its historical median of 25.75. Over the past decade, Banco de Credito e Inversiones' Net Margin % has ranged from 15.64 to 45.22. According to the industry distribution chart, Banco de Credito e Inversiones ranks #479 out of 1530 companies in the Banks industry, placing it in the top 31.3%.
Is Banco de Credito e Inversiones' Net Margin % too high?
Banco de Credito e Inversiones' current Net Margin % of 36.68% is 42% above median its 10-year median of 25.75. Over the past 10 years, this metric has ranged from a low of 15.64 to a high of 45.22. The Banks industry median Net Margin % is 26.85. Banco de Credito e Inversiones' value of 36.68% is 36.6% above this industry median. Based on the distribution chart, Banco de Credito e Inversiones ranks #479 out of 1530 companies in the Banks industry, which is above the industry midpoint. 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 Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco de Credito e Inversiones ranks #479 out of 1530 companies for Net Margin %. This puts Banco de Credito e Inversiones in the upper half of its industry. The industry median Net Margin % is 26.85. Banco de Credito e Inversiones' value of 36.68% is 36.6% above this benchmark. Historically, Banco de Credito e Inversiones' own Net Margin % has ranged from 15.64 to 45.22 over the past decade. While the company's 10-year median is 25.75 vs. the industry median of 26.85, Banco de Credito e Inversiones has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco de Credito e Inversiones's current Net Margin % of 36.68% is 36.6% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Banco de Credito e Inversiones and its competitors. For the Banks industry, the median Net Margin % is 26.85 — 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 Margin % is 36.68%, which is 42% above median its own 10-year median of 25.75. 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 Net Margin % is 36.68%, which is 42% above median its 10-year median of 25.75 and 36.6% above the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Banco de Credito e Inversiones (XSGO:BCI), the current Net Margin % is 36.68% 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 CLP60,200.00 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:
Net Margin %: 36.68% (42% above median its 10-year median of 25.75)
GF Value™: CLP30,416.79 vs. price of CLP60,200.00 (97.9% above fair value)
Industry Position: 36.6% above the Banks median (#479 of 1530)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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