BCH FY 2025 Earnings Report — Banco de Chile Revenue & Financial Results | Market Cap Arena

Banco de ChileBCH

FY 2025 Earnings

Reported February 3, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$3.4B	—	$5.2B	—	-34.9%
Op. Income	$1.7B	—	$1.8B	—	-4.4%
Gross Margin	87.4%	—	57.8%	—	29.5pp
Net Margin	39.4%	—	26.9%	—	12.5pp
EPS (Diluted)	$2.66	—	$2.69	—	-1.3%
Free Cash Flow	$496M	—	$427M	—	16.3%

Revenue Flow

Item	Amount
REVENUE	$3.4B
Cost of Revenue	$430M
GROSS PROFIT	$3.0B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$1.3B
SG&A Expenses	$1.3B
Other Expenses	$0
Operating Expenses	$1.3B
Cost & Expenses	$1.7B
OPERATING INCOME	$1.7B
Interest Income	$3.1B
Interest Expense	$1.1B
Other Income/Expenses	$0
INCOME BEFORE TAX	$1.7B
Income Tax Expense	$360M
Net Income from Continuing Ops	$1.3B
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$1.3B
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$1.3B
D&A	$107M
EBIT	$1.7B
EBITDA	$1.8B
EPS	$3
EPS Diluted	$3

Income Statement

Item	Amount
REVENUE	$3.4B
Cost of Revenue	$430M
GROSS PROFIT	$3.0B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$1.3B
SG&A Expenses	$1.3B
Other Expenses	$0
Operating Expenses	$1.3B
Cost & Expenses	$1.7B
OPERATING INCOME	$1.7B
Interest Income	$3.1B
Interest Expense	$1.1B
Other Income/Expenses	$0
INCOME BEFORE TAX	$1.7B
Income Tax Expense	$360M
Net Income from Continuing Ops	$1.3B
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$1.3B
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$1.3B
D&A	$107M
EBIT	$1.7B
EBITDA	$1.8B
EPS	$3
EPS Diluted	$3

Cash Flow Statement

Item	Amount
Net Income	$1.3B
Depreciation & Amortization	$0
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	-$1.1B
Change in Working Capital	$307M
OPERATING CASH FLOW	$516M
Capital Expenditure	-$20M
Acquisitions (Net)	$0
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	-$2.1B
NET CASH FROM INVESTING	-$2.1B
Net Debt Issuance	$3.6B
Common Stock Repurchased	$0
Common Dividends Paid	-$1.1B
Other Financing Activities	$25M
NET CASH FROM FINANCING	$2.5B
FREE CASH FLOW	$496M
Net Change in Cash	-$5.1B

Balance Sheet

Item	Amount
Cash & Equivalents	$1.9B
Short-Term Investments	$6.1B
Net Receivables	$0
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$9.1B
PP&E (Net)	$291M
Goodwill	$0
Intangible Assets	$196M
Long-Term Investments	$49.1B
Tax Assets	$0
Other Non-Current Assets	$2.4B
TOTAL NON-CURRENT ASSETS	$52.0B
TOTAL ASSETS	$60.9B
Account Payables	$0
Short-Term Debt	$4.0B
Deferred Revenue	$0
Other Current Liabilities	$20.7B
TOTAL CURRENT LIABILITIES	$24.8B
Long-Term Debt	$11.7B
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$17.9B
TOTAL NON-CURRENT LIABILITIES	$29.6B
TOTAL LIABILITIES	$54.4B
Common Stock	$2.7B
Additional Paid-In Capital	$0
Retained Earnings	$3.0B
Treasury Stock	$0
Accum. Other Comp. Income	$790M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$6.5B
Minority Interest	$1.1K
TOTAL EQUITY	$6.5B
TOTAL LIABILITIES & EQUITY	$60.9B
Total Debt	$12.8B
Net Debt	$10.9B