COMPARE · Data as of August 28, 2026
BCH vs IFS
Verdict: Side-by-side breakdown using the Bull Rankings model. BCH scored 64.0, IFS scored 77.0 — IFS leads.
Compare another set
BCH
Banco de Chile
84.7Fin
$41.70 · $21.1B
fundamentals as of
Strength gap
11.4
BCH leads
IFS
Intercorp Financial Services Inc.
73.3Fin
$54.65 · $6.0B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestIFS9.9x
- Fastest growthIFS+5.7%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
BCH
IFS
-1.6%D+
Rev
+5.7%C+
15.8xC+
P/E
9.9xA-
21.6%A-
ROE
17.2%B+
0.74A
P/B
1.60B
5.3%A-
Yield
3.3%B
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
BCHBanco de Chile
Why now
Banks - Regional · market cap $21.1b. 11% off the 52-week high of $46.77. 12 sell-side analysts rate this a Hold with a mean 1-yr target of $39.88 (implying -4% upside).
Moat
Net margin 45% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 22% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Dividend payout 85% of earnings on a 5.3% yield — distribution coverage is thin; one earnings stumble could force a dividend cut. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
IFSIntercorp Financial Services Inc.
Why now
Banks - Regional · market cap $6.0b. 11% off the 52-week high of $61.38. PEG 0.68 — paying under fair value for the growth rate. 3 sell-side analysts publish a mean 1-yr target of $68.05 (implying +25% upside).
Moat
Net margin 36% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 17% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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