{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "9065584d-f436-4f5c-9315-15e5711934a1",
    "symbol": "BCH",
    "name": "Banco De Chile",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/9065584d-f436-4f5c-9315-15e5711934a1/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "9065584d-f436-4f5c-9315-15e5711934a1",
      "symbol": "BCH",
      "name": "Banco De Chile",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "BCH",
    "market_cap": 20294332416.0,
    "market_cap_usd": 18425515610.88,
    "price": 40.18,
    "currency": "USD",
    "dividend_yield": 0.055,
    "dividend_years": 23,
    "dividend_growth_5y": 0.20301724,
    "dividend_cut_5y": true,
    "payout_ratio": 0.9182,
    "net_income": 1185413000000.0,
    "free_cash_flow": 748776000000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 1.98255731,
    "revenue_growth_5y": 0.04000542,
    "net_margin": 0.43708,
    "roe": 0.2085,
    "pe_ratio": 16.534979,
    "price_vs_ma": 0.07077653,
    "return_3y": 1.46072032,
    "return_5y": 1.92266632,
    "max_drawdown": -0.36241881,
    "scores": {
      "dividend_reliability": 14.75,
      "dividend_sustainability": 6.5,
      "business_quality": 25.0,
      "valuation": 15.0,
      "trend": 13.5,
      "total": 74.75,
      "confidence": 92.0
    },
    "rating": "acceptable",
    "rating_label": "Acceptable, Needs Review",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Price currency USD differs from financial currency CLP.",
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Payout ratio is elevated at 91.8%.",
      "Free cash flow does not cover dividends paid."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/",
      "chart": "https://sharemaestro.com/terminal/9065584d-f436-4f5c-9315-15e5711934a1/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 14.75,
    "dividend_sustainability": 6.5,
    "business_quality": 25.0,
    "valuation": 15.0,
    "trend": 13.5,
    "total": 74.75,
    "confidence": 92.0
  },
  "warnings": [
    "Price currency USD differs from financial currency CLP.",
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Payout ratio is elevated at 91.8%.",
    "Free cash flow does not cover dividends paid."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "BCH dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2026-03-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "BCH dividend payment 2.183 USD",
      "detail": "Recorded dividend payment for Banco De Chile.",
      "amount": 2.183,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2025-03-21",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "Dividend increased 24.3%",
      "detail": "Payment changed from 1.692 to 2.104.",
      "amount": 2.104,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2025-03-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "BCH dividend payment 2.104 USD",
      "detail": "Recorded dividend payment for Banco De Chile.",
      "amount": 2.104,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2024-03-21",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "Dividend decreased -18.6%",
      "detail": "Payment changed from 2.079 to 1.692.",
      "amount": 1.692,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2024-03-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "BCH dividend payment 1.692 USD",
      "detail": "Recorded dividend payment for Banco De Chile.",
      "amount": 1.692,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2023-03-16",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "Dividend increased 56.2%",
      "detail": "Payment changed from 1.331 to 2.079.",
      "amount": 2.079,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2023-03-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "BCH dividend payment 2.079 USD",
      "detail": "Recorded dividend payment for Banco De Chile.",
      "amount": 2.079,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2022-03-24",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "Dividend increased 119.3%",
      "detail": "Payment changed from 0.607 to 1.331.",
      "amount": 1.331,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2022-03-24",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "BCH dividend payment 1.331 USD",
      "detail": "Recorded dividend payment for Banco De Chile.",
      "amount": 1.331,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2021-03-26",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "Dividend decreased -27.3%",
      "detail": "Payment changed from 0.835 to 0.607.",
      "amount": 0.607,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2021-03-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "BCH dividend payment 0.607 USD",
      "detail": "Recorded dividend payment for Banco De Chile.",
      "amount": 0.607,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2020-03-27",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "Dividend decreased -21.1%",
      "detail": "Payment changed from 1.058 to 0.835.",
      "amount": 0.835,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2020-03-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "BCH dividend payment 0.835 USD",
      "detail": "Recorded dividend payment for Banco De Chile.",
      "amount": 0.835,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2019-03-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "BCH dividend payment 1.058 USD",
      "detail": "Recorded dividend payment for Banco De Chile.",
      "amount": 1.058,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2018-03-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "BCH dividend payment 1.039 USD",
      "detail": "Recorded dividend payment for Banco De Chile.",
      "amount": 1.039333,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2017-03-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "BCH dividend payment 0.9003 USD",
      "detail": "Recorded dividend payment for Banco De Chile.",
      "amount": 0.900333,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2016-03-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "BCH dividend payment 0.9723 USD",
      "detail": "Recorded dividend payment for Banco De Chile.",
      "amount": 0.972317,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    },
    {
      "event_date": "2015-03-18",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BCH",
      "exchange": "NYSE",
      "headline": "BCH dividend payment 1.066 USD",
      "detail": "Recorded dividend payment for Banco De Chile.",
      "amount": 1.066223,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9065584d-f436-4f5c-9315-15e5711934a1/"
    }
  ]
}