BBVA vs. BCH: Banco Bilbao Vizcaya Argentaria vs. Banco de Chile Stock Comparison

Company Profile

Banco Bilbao Vizcaya Argentaria (BBVA) and Banco de Chile (BCH) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both Banco Bilbao Vizcaya Argentaria (BBVA) and Banco de Chile (BCH) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both companies show strong equity returns, but Banco de Chile (BCH) at 21.08% is the standout with ROE above its industry range; Banco Bilbao Vizcaya Argentaria (BBVA) at 19.84% also sits in the top quartile.

Banco de Chile (BCH) at 45.15% retains a top-quartile share of revenue as profit, ahead of Banco Bilbao Vizcaya Argentaria (BBVA) at 32.62%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Banco de Chile (BCH) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 0.46% and Banco de Chile (BCH) at -1.56% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Banco Bilbao Vizcaya Argentaria (BBVA) at 4.76% is around its peer norm for EPS growth, while Banco de Chile (BCH) at -1.84% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Banco de Chile (BCH) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Banco de Chile (BCH) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Banco de Chile (BCH) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Banco Bilbao Vizcaya Argentaria (BBVA) reports a yield of 3.80%, ranking against industry peers normally.

Both pay out more than their industries’ typical bands, and BCH more so: Banco Bilbao Vizcaya Argentaria (BBVA) at 47.61% sits above the band, while Banco de Chile (BCH) at 85.54% exceeds every peer in its group.

Dividend Metrics

Valuation

Banco Bilbao Vizcaya Argentaria (BBVA) at 10.99 is near its industry’s usual P/E ratio, while Banco de Chile (BCH) at 14.81 sits in the richer quartile — BCH needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Banco de Chile (BCH) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Banco de Chile (BCH) at 0.69 looks cheap against book in the lower P/B ratio quartile, while Banco Bilbao Vizcaya Argentaria (BBVA) at 2.12 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics