Bolsa de Santiago · CLP
Estados financieros de Banco de Crédito e Inversiones
Banco de Crédito e Inversiones · BCI.SN
CLP 63,200.00
▼ -100.00 (-0.16%)
Última operación · 9/10/2026, 18:59:30 UTC
Cuenta de resultados anual
Millones de CLP
| Partida | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Ingresos | 5,552,491 | 5,252,897 | 5,433,773 | 4,740,946 | 2,807,786 |
| Costo de ventas | 2,680,233 | 2,226,300 | 2,504,929 | 1,321,660 | 349,599 |
| Beneficio bruto | 3,264,928 | 3,026,597 | 2,928,844 | 3,419,286 | 2,458,187 |
| Margen bruto | 58.8% | 57.6% | 53.9% | 72.1% | 87.5% |
| Investigación y desarrollo | 0 | 0 | 0 | 0 | 0 |
| Gastos generales y de venta | 511,816 | 463,684 | 412,939 | 371,482 | 333,896 |
| Beneficio operativo | 1,166,428 | 1,078,050 | 817,975 | 911,903 | 1,111,517 |
| Margen operativo | 21.0% | 20.5% | 15.1% | 19.2% | 39.6% |
| EBITDA | 1,263,202 | 1,188,207 | 930,991 | 1,025,546 | 1,218,448 |
| Gastos por intereses | 2,213,186 | 2,226,300 | 2,504,929 | 1,321,660 | 349,599 |
| Beneficio antes de impuestos | 1,148,333 | 1,078,050 | 817,975 | 911,903 | 1,111,517 |
| Impuestos | 170,216 | 276,332 | 135,404 | 90,879 | 201,483 |
| Beneficio neto | 996,212 | 801,642 | 682,468 | 820,822 | 1,111,517 |
| Margen neto | 17.9% | 15.3% | 12.6% | 17.3% | 39.6% |
| BPA diluido | 4,557.15 | 3,665.15 | 3,638.96 | 2,530.16 | 2,949.97 |
| Acciones (diluidas) | 219 | 219 | 188 | 166 | 176 |
Cuenta de resultados trimestral
Millones de CLP
| Partida | T2 2026 | T1 2026 | T4 2025 | T3 2025 | T2 2025 | T1 2025 | T4 2024 | T3 2024 |
|---|---|---|---|---|---|---|---|---|
| Ingresos | 830,951 | 680,790 | 1,215,192 | 1,276,453 | 1,244,197 | 1,333,694 | 1,299,101 | 1,237,221 |
| Costo de ventas | 716,009 | 566,963 | 603,084 | 658,738 | 489,997 | 468,003 | 520,899 | 552,563 |
| Beneficio bruto | 846,955 | 735,112 | 612,108 | 730,436 | 754,200 | 865,691 | 778,202 | 684,658 |
| Margen bruto | 101.9% | 108.0% | 50.4% | 57.2% | 60.6% | 64.9% | 59.9% | 55.3% |
| Investigación y desarrollo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gastos generales y de venta | 120,879 | 109,177 | 214,551 | 203,502 | 121,570 | 112,860 | 141,802 | 120,920 |
| Beneficio operativo | 423,844 | 331,308 | 264,939 | 291,281 | 309,420 | 290,945 | 306,506 | 251,382 |
| Margen operativo | 51.0% | 48.7% | 21.8% | 22.8% | 24.9% | 21.8% | 23.6% | 20.3% |
| EBITDA | 419,345 | 356,587 | 260,770 | 291,281 | 337,689 | 317,796 | 332,813 | 278,060 |
| Gastos por intereses | 637,094 | 487,889 | 528,374 | 560,762 | 489,997 | 468,003 | 520,899 | 552,563 |
| Beneficio antes de impuestos | 423,844 | 331,308 | 260,770 | 300,429 | 309,420 | 290,945 | 306,506 | 251,382 |
| Impuestos | 67,175 | 43,268 | 36,718 | 65,896 | 50,095 | 17,507 | 136,044 | 40,994 |
| Beneficio neto | 356,604 | 287,980 | 228,916 | 234,469 | 259,275 | 273,398 | 170,423 | 210,409 |
| Margen neto | 42.9% | 42.3% | 18.8% | 18.4% | 20.8% | 20.5% | 13.1% | 17.0% |
| BPA diluido | 1,631.28 | 1,317.36 | 1,047.17 | 1,072.57 | 1,186.00 | 1,251.00 | 779.18 | 962.00 |
| Acciones (diluidas) | 219 | 219 | 219 | 219 | 219 | 219 | 219 | 219 |
Balance
Millones de CLP
| Partida | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Efectivo e inversiones a corto plazo | 11,894,633 | 4,802,823 | 1,533,945 | 5,131,315 | 5,590,733 |
| Cuentas por cobrar | 143,345 | 307,202 | 347,761 | 0 | 0 |
| Inventarios | 0 | 0 | 0 | 0 | 0 |
| Activo corriente | 11,894,633 | 5,210,770 | 11,786,145 | 5,274,581 | 6,118,184 |
| Propiedad, planta y equipo | 394,822 | 396,315 | 397,500 | 401,991 | 441,761 |
| Fondo de comercio e intangibles | 510,096 | 501,467 | 446,546 | 411,009 | 440,958 |
| Activo total | 81,565,560 | 83,417,634 | 79,301,153 | 78,049,119 | 69,158,634 |
| Pasivo corriente | 831,564 | 36,703,043 | 25,600,308 | 534,906 | 290,994 |
| Deuda total | 17,370,430 | 17,356,809 | 19,365,570 | 11,888,424 | 11,364,417 |
| Pasivo total | 74,119,280 | 76,419,853 | 73,233,777 | 73,272,318 | 64,657,158 |
| Patrimonio neto | 7,444,148 | 6,995,773 | 6,065,795 | 4,775,478 | 4,500,076 |
| Deuda neta | 5,475,797 | 12,553,986 | 17,831,625 | 6,757,109 | 5,773,684 |
Flujo de caja
Millones de CLP
| Partida | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Flujo de caja operativo | (206,224) | 1,176,076 | (3,070,710) | 1,374,876 | 1,005,386 |
| Inversión en activos fijos | (159,826) | (141,675) | (132,222) | (90,959) | (90,561) |
| Flujo de caja libre | (366,050) | 1,034,401 | (3,132,479) | 1,283,917 | 914,825 |
| Dividendos pagados | (242,651) | (218,604) | (253,256) | (157,445) | (104,138) |
| Recompra de acciones | 0 | 0 | 0 | 0 | 0 |
| Flujo de inversión | (341,677) | (476,371) | 788,472 | (426,917) | 44,201 |
| Flujo de financiación | (3,173,177) | 2,422,985 | 149,318 | (458,542) | 355,557 |
| Variación de caja | (1,313,318) | 328,024 | (2,472,285) | 489,417 | 1,405,144 |
Ejercicios fiscales de la empresa, que no siempre coinciden con el año natural. Las cifras negativas van entre paréntesis. BPA en unidades de la moneda de reporte.
Fuentes: Financial Modeling Prep, a partir de los informes de la empresa. Esta página tiene fines informativos y no constituye asesoría financiera.