Banco de Crédito e Inversiones clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.
Banco de Crédito e Inversiones (BCI), through its subsidiaries, provides various banking services, including retail banking, corporate banking, investment services, and financial services.
Business Segments
The company operates through various busi…
Analysis
Hope premium
Banco de Crédito e Inversiones is priced well ahead of what the underlying numbers justify, a pattern we describe as a hope premium.
On valuation, the picture is attractive. The owner-earnings multiple stands at 13.4×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 1% a year, against analyst forecasts of 14%. The price, in other words, assumes less than the experts do.
Growth is solid; the safety picture is stretched. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.
Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.
360° rank · history
1007550250
Jan 202333
10
2023202420252026
All-time high
40
Jan 2025
All-time low
5
Jan 2024
Average rank
20
across all years
Detailed & Historical Ranks
Deep dive into 15 detailed ranks and 3 years of history.
Current202520242023
Price/Sales
17
35
62
56
Price/Earnings
17
29
34
53
Price/Book
11
34
54
46
Dividend Yield
39
36
44
83
Value (overall)
6
23
45
67
Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.