BCH vs. WF: Banco de Chile vs. Woori Financial Stock Comparison

Company Profile

Banco de Chile (BCH) and Woori Financial (WF) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both Banco de Chile (BCH) and Woori Financial (WF) 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

Banco de Chile (BCH) at 21.08% delivers above-range ROE, while Woori Financial (WF) at 7.93% falls into the bottom quartile — a wide split in profit generated from equity.

Banco de Chile (BCH) at 45.15% keeps a top-quartile share of each sales dollar as profit, while Woori Financial (WF) at 27.06% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for Banco de Chile (BCH) in Banks and Woori Financial (WF) 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 de Chile (BCH) at -1.56% and Woori Financial (WF) at 5.30% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Both Banco de Chile (BCH) at -1.84% and Woori Financial (WF) at 2.58% post bottom-quartile EPS growth versus peers, pointing to weaker earnings momentum than typical rivals.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco de Chile (BCH) in Banks and Woori Financial (WF) 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 Woori Financial (WF) 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 Woori Financial (WF) reports a yield of 1,108.19%, ranking against industry peers normally.

Woori Financial (WF) at 32.85% keeps its payout in the industry’s typical band, while Banco de Chile (BCH) at 85.54% pays out more than any of its peers — the most stretched cover in its group.

Dividend Metrics

Valuation

Woori Financial (WF) at 8.04 sits in the cheaper P/E ratio quartile, while Banco de Chile (BCH) at 14.81 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

P/S ratio is set aside for both Banco de Chile (BCH) in Banks and Woori Financial (WF) 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.

Relative to net asset value, both Banco de Chile (BCH) at 0.69 and Woori Financial (WF) at 0.63 look inexpensive, sitting in the lower P/B ratio quartile of their industries.

Valuation Metrics