BSAC Stock Analysis: Banco Santander Chile | NYSE
Banks - Regional | NYSE, USA | Market Cap: 15.387m USD | 12M Return: 43.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 12.5M
EPS Trend: 89.8%
Qual. Beats: 0
Rev. Trend: -37.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Banco Santander-Chile is a universal bank operating in Chile through five segments: Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other. It provides a full range of commercial and retail banking products, including deposits, debit and credit cards, consumer and commercial loans, mortgage financing, and trade finance in both Chilean pesos and foreign currency. Beyond traditional banking, the company offers mutual fund management, insurance, securities brokerage, foreign exchange, leasing, factoring, treasury, and wealth management services, including private banking and structured products. Its customer base spans individuals, small and middle-sized businesses, large corporations, universities, government entities, and real estate firms.
As a subsidiary of Spain-based Banco Santander, S.A., the bank is part of one of the largest global banking groups and operates within Chiles highly concentrated banking sector, which is dominated by a handful of large institutions. It trades on the NYSE under the ticker BSAC and is classified within the Diversified Banks sub-industry of the Financials sector, reflecting its broad mix of consumer, commercial, and investment banking activities under a single license.
- Chilean rate cuts pressure net interest margin
- Copper price swings drive loan demand and credit quality
- Parent Santander dividend repatriation limits local capital returns
| Net Income: 1017b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.66 > 1.0 |
| NWC/Revenue: 225.4% < 20% (prev -620.4%; Δ 845.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 862b > Net Income 1017b |
| Net Debt (45867b) to EBITDA (1382b): 33.19 < 3 |
| Current Ratio: 1.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (439.5m) vs 12m ago -6.71% < -2% |
| Gross Margin: 50.52% > 18% (prev 53.74%; Δ -3.22% > 0.5%) |
| Asset Turnover: 7.04% > 50% (prev 6.08%; Δ 0.96% > 0%) |
| Interest Coverage Ratio: 0.70 > 6 (EBIT TTM 1247b / Interest Expense TTM 1770b) |
| A: 0.16 (Total Current Assets 65587b - Total Current Liabilities 54725b) / Total Assets 69897b |
| B: 0.01 (Retained Earnings 541b / Total Assets 69897b) |
| C: 0.02 (EBIT TTM 1247b / Avg Total Assets 68478b) |
| D: 0.07 (Book Value of Equity 4739b / Total Liabilities 65003b) |
| Altman-Z'' = 1.24 = BB |
| DSRI: 3.0 (Receivables 1928b/79.0m, Revenue 4818b/4077b) |
| GMI: 1.06 (GM 53.74% / 50.52%) |
| AQI: 0.06 (AQ_t 0.06 / AQ_t-1 0.90) |
| SGI: 1.18 (Revenue 4818b / 4077b) |
| TATA: 0.00 (NI 1017b - CFO 862b) / TA 69897b) |
| Beneish M = -1.75 (Cap -4..+1) = CCC |
As of July 08, 2026, the stock is trading at USD 33.70 with a total of 483,465 shares traded. Over the past week, the price has changed by +3.92%, over one month by +12.41%, over three months by +6.81% and over the past year by +43.63%.
Current recommended Stop Loss: 32.20 (which is 4.5% or 1.7 ATR below the current price).
Banco Santander Chile has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold BSAC.
- StrongBuy: 1
- Buy: 0
- Hold: 8
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 34 | 0.8% |
Market Cap CLP = 14288b (15.4b USD * 928.57 USD.CLP)
P/E Trailing = 14.1385
P/E Forward = 15.674
P/S = 4.9897
P/B = 3.0061
P/EG = 2.4897
Revenue TTM = 4818b CLP
EBIT TTM = 1247b CLP
EBITDA TTM = 1382b CLP
Long Term Debt = 11046b CLP (from longTermDebt, last quarter)
Short Term Debt = 37418b CLP (from shortTermDebt, last quarter)
Debt = 47743b CLP (from shortLongTermDebtTotal, last quarter) + Leases 50.0b
Net Debt = 45867b CLP (calculated: Debt 47743b - CCE 1877b)
Enterprise Value = 60154b CLP (14288b + Debt 47743b - CCE 1877b)
Interest Coverage Ratio = 0.70 (Ebit TTM 1247b / Interest Expense TTM 1770b)
EV/FCF = 78.35x (Enterprise Value 60154b / FCF TTM 768b)
FCF Yield = 1.28% (FCF TTM 768b / Enterprise Value 60154b)
FCF Margin = 15.93% (FCF TTM 768b / Revenue TTM 4818b)
Net Margin = 21.11% (Net Income TTM 1017b / Revenue TTM 4818b)
Gross Margin = 50.52% ((Revenue TTM 4818b - Cost of Revenue TTM 2384b) / Revenue TTM)
Gross Margin QoQ = none% (prev 61.25%)
Tobins Q-Ratio = 0.86 (Enterprise Value 60154b / Total Assets 69897b)
Interest Expense / Debt = 3.71% (Interest Expense 1770b / Debt 47743b)
Taxrate = 16.87% (210b / 1247b)
NOPAT = 1037b (EBIT 1247b * (1 - 16.87%))
Current Ratio = 1.20 (Total Current Assets 65587b / Total Current Liabilities 54725b)
Debt / Equity = 10.07 (Debt 47743b / totalStockholderEquity, last quarter 4739b)
Debt / EBITDA = 33.19 (Net Debt 45867b / EBITDA 1382b)
Debt / FCF = 59.74 (Net Debt 45867b / FCF TTM 768b)
Total Stockholder Equity = 4866b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.49% (Net Income 1017b / Total Assets 69897b)
RoE = 20.90% (Net Income TTM 1017b / Total Stockholder Equity 4866b)
RoCE = 7.84% (EBIT 1247b / Capital Employed (Equity 4866b + L.T.Debt 11046b))
RoIC = 1.98% (NOPAT 1037b / Invested Capital 52349b)
WACC = 4.27% (E(14288b)/V(62031b) * Re(8.25%) + D(47743b)/V(62031b) * Rd(3.71%) * (1-Tc(0.17)))
Discount Rate = 8.25% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -61.46 | Cagr: -3.04%
[DCF] Terminal Value 77.97% ; FCFF base≈578b ; Y1≈662b ; Y5≈974b
[DCF] Fair Price = N/A (negative equity: EV 14663b - Net Debt 45867b = -31204b; debt exceeds intrinsic value)
EPS Correlation: 89.80 | EPS CAGR: 38.94% | SUE: -0.16 | # QB: 0
Revenue Correlation: -37.07 | Revenue CAGR: -3.79% | SUE: 0.03 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.69 | Chg30d=+0.00% | Revisions=+0% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.72 | Chg30d=+0.00% | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=2.77 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+11.6% | GrowthRev=+5.6%
EPS next Year (2027-12-31): EPS=3.13 | Chg30d=+0.00% | Revisions=+50% | GrowthEPS=+13.0% | GrowthRev=+7.9%
[Analyst] Revisions Ratio: +36% (up=6, down=2)