Bicecorp S.A (BICE) Fair Value & Analysis
Financial Services · CL · Market cap 3.8T CLP
Fair value as of: Aug 13, 2026
From 12 valuation models · updated yesterday
Fair value updated Aug 13, 2026, revised from 342.22 CLP to 261.70 CLP (−23.5%) since Jul 25, 2026. Share price +6.2% over the past month.
Below-average quality, and screening another 35% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (327.12 CLP). The favourable scenario is already priced in.
- Weak quality (30/100) and above fair value at the same time, the margin of safety is missing on both counts.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 71.77 CLP – 422.46 CLP · fair‑value band 196.27 CLP – 327.12 CLP · the 403.76 CLP price screens above the 261.70 CLP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Bicecorp S.A (BICE) currently trades at 403.76 CLP, while our model-based Fair Value estimate is 261.70 CLP, implying the stock looks roughly 35.2% overvalued today. The Quality Score stands at 30/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, Bicecorp S.A generated revenue of 4.2T CLP at a net margin of 5.9%. Revenue grew 16.8% year over year. It earns a return on equity of 10.7%. Net debt stands at 5.8T CLP. Fundamentals as of Aug 13, 2026
Our scenario range runs from 196.27 CLP (bear case) to 327.12 CLP (bull case); at 403.76 CLP, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 5% below its 52-week high and 61% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -27% fair-value upside, at -35%, BICE screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 12 models by family
Widest divergence: Earnings-Based (509.10 CLP) versus Asset-Based (162.61 CLP). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 31 · Market factors (momentum, volatility) 79
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Bicecorp S.A. provides various financial products and services in Chile. The company provides personal and corporate banking services, treasury services, deposit collections, checking accounts, credit and debit cards, financing for foreign trade activities, working capital and project financing, leasing operation services, document discounting, mortgage and …
Full company description
Bicecorp S.A. provides various financial products and services in Chile. The company provides personal and corporate banking services, treasury services, deposit collections, checking accounts, credit and debit cards, financing for foreign trade activities, working capital and project financing, leasing operation services, document discounting, mortgage and consumer loans, consumer loans, cash management, structuring of syndicated loans, and products and services related to investments and savings. It offers insurance products, including private and pension insurance, individual insurance, group life, health and tax relief insurance, mass insurance, and AFP insurance products. In addition, the company factoring, mortgage mutual funds, automotive financing and leasing, non-bank factoring, securitization, investment banking, and real estate asset management services. The company was incorporated in 1978 and is based in Las Condes, Chile.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2025 · reported fiscal years
Bicecorp S.A reported revenue of 4.1T CLP in FY2025 versus 2.3T CLP in FY2022, a compound +21.6%/yr. Reported net income was 205B CLP in FY2025, compounding −2.6%/yr from FY2022.
BICE screens 35% overvalued. Compare with ORIX Corporation →
Peer Group
Financial Conglomerates · 55 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Financial Conglomerates median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Financial Conglomerates stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| ORIX Corporation IX | $40.58 | $35.47 | -13% |
| Bajaj Finserv Ltd BAJAJFINSV | ₹2,009 | ₹796.96 | -60% |
| China Galaxy Securities Co 601881 | ¥12.36 | ¥11.34 | -8% |
| Guosen Securities Co 002736 | ¥10.12 | ¥10.84 | +7% |
| CNPC Capital Company 000617 | ¥6.96 | ¥6.99 | +0% |
| Aditya Birla Capital Limited ABCAPITAL | ₹410.95 | ₹119.98 | -71% |
| Freedom Holding FRHC | $151.33 | $31.31 | -79% |
| Voya Financial, Inc VOYA | $99.49 | $62.37 | -37% |
| Guangzhou Yuexiu Capital Holdings 000987 | ¥7.72 | ¥5.63 | -27% |
| First Capital Securities Co 002797 | ¥6.59 | ¥3.26 | -51% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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