BICECORP
Bicecorp S.A. presta diversos productos y servicios financieros en Chile. La compañía ofrece servicios de banca personal y corporativa, servicios de tesorería, captación de depósitos, cuentas corrientes, tarjetas de crédito y débito, financiamiento de actividades de comercio exterior, financiamiento de capital de trabajo y proyectos, servicios de leasing, descuento de documentos, créditos hipotecarios y de consumo, cash management, estructuración de créditos sindicados, y productos y servicios relacionados con inversiones y ahorro. Ofrece productos de seguros, incluyendo seguros privados y de pensión, seguros individuales, vida grupal, salud y seguros con beneficio tributario, seguros masivos, y productos de seguros para AFP. Adicionalmente, la compañía presta servicios de factoring, fondos mutuos hipotecarios, financiamiento y leasing automotriz, factoring no bancario, securitización, banca de inversión, y administración de activos inmobiliarios. La compañía se incorporó en 1978 y tiene su sede en Las Condes, Chile.
Scorecard Histórico
Serie temporal completa · 10 períodos disponibles
| Métrica | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 |
|---|---|---|---|---|---|---|---|---|
| Balance | ||||||||
Activos Totales? | MM$35.474.383 | MM$35.313.717 | MM$35.226.103 | MM$34.999.754 | MM$34.236.214 | MM$18.605.688 | MM$17.996.017 | MM$18.259.246 |
Patrimonio? | MM$2.510.626 | MM$2.560.199 | MM$2.575.802 | MM$2.524.712 | MM$2.499.085 | MM$1.364.446 | MM$1.455.311 | MM$1.435.739 |
Pasivos Totales? | MM$32.963.756 | MM$32.753.518 | MM$32.650.301 | MM$32.475.042 | MM$31.737.130 | MM$17.241.242 | MM$16.540.706 | MM$16.823.507 |
Act. Corrientes? | MM$13.347.286 | MM$12.786.260 | MM$12.694.131 | MM$12.738.408 | MM$12.021.819 | MM$11.118.807 | MM$10.800.886 | MM$11.181.347 |
Pas. Corrientes? | MM$17.409.995 | MM$15.830.051 | MM$15.558.305 | MM$18.860.237 | MM$18.428.102 | MM$8.435.544 | MM$7.872.686 | MM$8.420.434 |
Efectivo? | MM$1.341.418 | MM$1.625.154 | MM$1.694.949 | MM$1.685.115 | MM$1.308.696 | MM$726.062 | MM$735.708 | MM$1.118.008 |
Patrimonio Controladores? | MM$2.425.963 | MM$2.470.005 | MM$2.491.959 | MM$2.184.523 | MM$2.152.972 | MM$1.325.991 | MM$1.418.463 | MM$1.399.465 |
Deuda Fin. CP? | MM$2.791.810 | MM$2.695.913 | MM$2.439.934 | MM$4.980.843 | MM$4.879.628 | MM$1.123.113 | MM$932.974 | MM$1.289.261 |
Deuda Fin. LP? | MM$6.089.686 | MM$6.521.513 | MM$6.489.498 | MM$3.898.181 | MM$3.592.236 | MM$2.783.488 | MM$2.764.518 | MM$2.470.245 |
Inventarios? | MM$78.025 | MM$72.527 | MM$65.221 | MM$61.890 | MM$58.191 | — | — | — |
| Resultados | ||||||||
Ingresos? | MM$958.308 | MM$4.068.764 | MM$2.960.971 | MM$1.998.092 | MM$820.362 | MM$2.271.211 | MM$1.649.344 | MM$1.098.978 |
Result. Operacional? | MM$122.158 | MM$309.477 | MM$257.568 | MM$144.543 | MM$59.747 | MM$243.795 | MM$179.172 | MM$135.685 |
EBITDA? | MM$419.530 | MM$344.368 | MM$371.363 | MM$289.909 | MM$236.008 | MM$266.364 | — | — |
Resultado Neto? | MM$98.059 | MM$229.187 | MM$218.926 | MM$126.556 | MM$58.497 | MM$202.891 | MM$147.180 | MM$111.160 |
Gastos Admin.? | MM$164.528 | MM$669.979 | MM$430.647 | MM$256.674 | MM$111.583 | MM$291.012 | MM$211.510 | MM$138.700 |
Depreciación? | MM$22.499 | MM$34.976 | MM$41.242 | MM$25.854 | MM$7.651 | MM$23.659 | MM$17.443 | MM$11.275 |
Flujo Operacional? | MM$16.501 | MM$318.126 | MM$483.184 | MM$498.728 | -MM$216.744 | -MM$311.500 | -MM$286.387 | MM$134.658 |
Resultado Neto Controladores? | MM$94.486 | MM$204.865 | MM$196.332 | MM$114.576 | MM$53.446 | MM$198.971 | MM$144.557 | MM$109.227 |
Resultado Bruto? | MM$286.685 | MM$979.456 | MM$688.215 | MM$401.217 | MM$171.330 | MM$534.807 | MM$390.683 | MM$274.385 |
Pérdidas por Deterioro? | MM$360 | MM$1.286 | MM$1.658 | -MM$1.181 | -MM$567 | -MM$1.573 | -MM$1.122 | -MM$1.423 |
Ajuste VR Prop. Inversión? | MM$2.929 | MM$1.372 | -MM$353 | -MM$223 | -MM$95 | -MM$483 | -MM$329 | -MM$358 |
Part. Asociadas / JV? | MM$474 | MM$3.631 | MM$2.274 | MM$3.413 | MM$1.477 | -MM$3.398 | -MM$1.154 | MM$329 |
| Márgenes | ||||||||
Margen Bruto? | 26.0% | 24.1% | 23.2% | 20.9% | 21.4% | 23.5% | — | — |
Margen Operacional? | 8.8% | 7.6% | 9.0% | 8.0% | 8.3% | 10.7% | — | — |
Margen Neto? | 5.8% | 5.0% | 7.0% | 6.4% | 7.1% | 8.8% | — | — |
Margen EBITDA? | 10.0% | 8.5% | 10.4% | 9.1% | 9.3% | 11.7% | — | — |
| Rentabilidad | ||||||||
ROE? | 10.1% | 8.3% | 10.1% | 9.4% | 8.3% | 15.0% | — | — |
ROA? | 0.7% | 0.6% | 0.7% | 0.6% | 0.5% | 1.1% | — | — |
| Apalancamiento | ||||||||
Deuda / Patrimonio? | 13.13x | 12.79x | 12.68x | 12.86x | 12.70x | 12.64x | — | — |
Deuda Neta? | MM$7.540.077 | MM$7.592.272 | MM$7.234.483 | MM$7.193.909 | MM$7.163.167 | MM$3.180.539 | — | — |
ND / EBITDA? | 17.97x | 22.05x | 19.48x | 24.81x | 30.35x | 11.94x | — | — |
| Liquidez | ||||||||
Razón Corriente? | 0.77x | 0.81x | 0.82x | 0.68x | 0.65x | 1.32x | — | — |
Prueba Ácida? | 0.76x | 0.80x | 0.81x | 0.67x | 0.65x | 1.32x | — | — |
| Mercado | ||||||||
Precio (BICE.SN)? | 372,02 | 363,25 | 294,1 | 272,18 | 254,82 | 154,21 | 155,03 | 167,27 |
Cap. de Mercado? | MM$3.785.964 | MM$3.697.636 | — | — | — | — | — | — |
P/E? | 18.48x | 14.75x | — | — | — | — | — | — |
P/B? | 1.53x | 1.48x | — | — | — | — | — | — |
P/S? | 0.93x | 1.03x | — | — | — | — | — | — |
EV/EBITDA? | 33.04x | 29.44x | — | — | — | — | — | — |