BCH vs. RY: Banco de Chile vs. Royal Bank of Canada Stock Comparison

Company Profile

Banco de Chile (BCH) and Royal Bank of Canada (RY) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Royal Bank of Canada (RY) trades as ordinary local shares, while Banco de Chile (BCH) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

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; Royal Bank of Canada (RY) at 16.21% also sits in the top quartile.

Banco de Chile (BCH) at 45.15% retains a top-quartile share of revenue as profit, ahead of Royal Bank of Canada (RY) at 33.87%, which keeps about the industry-typical share.

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

Profitability Metrics

Growth

Royal Bank of Canada (RY) at 15.73% is around its peer norm for revenue growth, while Banco de Chile (BCH) at -1.56% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Only one side can be read here: Banco de Chile (BCH) reports EPS growth of -1.84%, ranked against its industry; Royal Bank of Canada (RY) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco de Chile (BCH) in Banks and Royal Bank of Canada (RY) 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 de Chile (BCH) in Banks and Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) reports a yield of 3.23%, ranking against industry peers normally.

Both pay out more than their industries’ typical bands, and BCH more so: Royal Bank of Canada (RY) at 41.49% sits above the band, while Banco de Chile (BCH) at 85.54% exceeds every peer in its group.

Dividend Metrics

Valuation

Both Banco de Chile (BCH) at 14.81 and Royal Bank of Canada (RY) at 17.58 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

P/S ratio is set aside for both Banco de Chile (BCH) in Banks and Royal Bank of Canada (RY) 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 sits in the lower P/B ratio quartile relative to book while Royal Bank of Canada (RY) at 2.92 prices above its industry range — a wide valuation gap against assets.

Valuation Metrics