(BSAC) Banco Santander Chile - Overview
Stock: Checking, Loans, Cards, Insurance, Investment
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.60% |
| Yield on Cost 5y | 8.21% |
| Yield CAGR 5y | 9.36% |
| Payout Consistency | 90.9% |
| Payout Ratio | 30.1% |
| Risk 5d forecast | |
|---|---|
| Volatility | 26.8% |
| Relative Tail Risk | 2.61% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.25 |
| Alpha | 71.73 |
| Character TTM | |
|---|---|
| Beta | 0.614 |
| Beta Downside | 0.509 |
| Drawdowns 3y | |
|---|---|
| Max DD | 20.67% |
| CAGR/Max DD | 1.77 |
Description: BSAC Banco Santander Chile January 06, 2026
Banco Santander Chile (BSAC) is the Chilean arm of Spain-based Banco Santander and delivers a full suite of commercial and retail banking services through five operating segments: Retail, Wealth Management & Insurance, Middle-Market, Corporate & Investment Banking, and Corporate Activities & Other. Its product catalogue spans checking and savings accounts, debit/credit cards, consumer and mortgage loans (including government-guaranteed financing), foreign-currency lending, trade finance, leasing, factoring, treasury, and a broad array of insurance and wealth-management solutions for individuals, SMEs, large corporates, and public-sector clients.
According to the bank’s 2023 annual report, total assets reached CLP 1.7 trillion (≈ US$2.0 bn) and the loan portfolio grew 5.2% YoY, driven mainly by mortgage and SME credit. Net profit for the year was CLP 85 billion, yielding a return on equity (ROE) of 13.4%, while the non-performing loan (NPL) ratio held at a low 1.6%, reflecting disciplined credit underwriting in a historically volatile market.
Chile’s macro environment is a key driver of Santander Chile’s outlook. Real GDP expanded 2.1% in 2023 after a pandemic-induced contraction, and the Central Bank’s policy rate has been held near 11.25%, supporting net interest margins but also pressuring loan demand. Additionally, the country’s ongoing fiscal reforms and a gradual recovery in construction activity are expected to boost demand for mortgage and project-finance products.
For a deeper, data-rich assessment of BSAC’s valuation dynamics, you may find it worthwhile to explore the analytical tools available on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 1053.21b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.18 > 1.0 |
| NWC/Revenue: -627.5% < 20% (prev 95.39%; Δ -722.9% < -1%) |
| CFO/TA 0.02 > 3% & CFO 1029.82b > Net Income 1053.21b |
| Net Debt (8301.42b) to EBITDA (1066.80b): 7.78 < 3 |
| Current Ratio: 0.25 > 1.5 & < 3 |
| Outstanding Shares: last quarter (471.1m) vs 12m ago 0.00% < -2% |
| Gross Margin: 56.70% > 18% (prev 0.49%; Δ 5621 % > 0.5%) |
| Asset Turnover: 5.71% > 50% (prev 6.12%; Δ -0.42% > 0%) |
| Interest Coverage Ratio: 0.77 > 6 (EBITDA TTM 1066.80b / Interest Expense TTM 1255.47b) |
Altman Z'' -2.14
| A: -0.36 (Total Current Assets 8251.04b - Total Current Liabilities 32687.81b) / Total Assets 68094.96b |
| B: 0.01 (Retained Earnings 836.89b / Total Assets 68094.96b) |
| C: 0.01 (EBIT TTM 965.65b / Avg Total Assets 68249.12b) |
| D: 0.07 (Book Value of Equity 4719.70b / Total Liabilities 63255.32b) |
| Altman-Z'' Score: -2.14 = D |
What is the price of BSAC shares?
Over the past week, the price has changed by +4.32%, over one month by +13.54%, over three months by +25.91% and over the past year by +77.56%.
Is BSAC a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 8
- Sell: 2
- StrongSell: 0
What are the forecasts/targets for the BSAC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 30.7 | -16.5% |
| Analysts Target Price | 30.7 | -16.5% |
| ValueRay Target Price | 51 | 38.8% |
BSAC Fundamental Data Overview February 07, 2026
P/E Forward = 13.3156
P/S = 5.097
P/B = 3.1406
P/EG = 2.4195
Revenue TTM = 3894.25b USD
EBIT TTM = 965.65b USD
EBITDA TTM = 1066.80b USD
Long Term Debt = 11824.07b USD (from longTermDebt, two quarters ago)
Short Term Debt = 3331.39b USD (from shortTermDebt, two quarters ago)
Debt = 10277.06b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 8301.42b USD (from netDebt column, last quarter)
Enterprise Value = 8318.44b USD (17.02b + Debt 10277.06b - CCE 1975.64b)
Interest Coverage Ratio = 0.77 (Ebit TTM 965.65b / Interest Expense TTM 1255.47b)
EV/FCF = 6.85x (Enterprise Value 8318.44b / FCF TTM 1213.95b)
FCF Yield = 14.59% (FCF TTM 1213.95b / Enterprise Value 8318.44b)
FCF Margin = 31.17% (FCF TTM 1213.95b / Revenue TTM 3894.25b)
Net Margin = 27.05% (Net Income TTM 1053.21b / Revenue TTM 3894.25b)
Gross Margin = 56.70% ((Revenue TTM 3894.25b - Cost of Revenue TTM 1686.05b) / Revenue TTM)
Gross Margin QoQ = none% (prev 47.89%)
Tobins Q-Ratio = 0.12 (Enterprise Value 8318.44b / Total Assets 68094.96b)
Interest Expense / Debt = 4.11% (Interest Expense 422.90b / Debt 10277.06b)
Taxrate = 16.58% (51.70b / 311.90b)
NOPAT = 805.57b (EBIT 965.65b * (1 - 16.58%))
Current Ratio = 0.25 (Total Current Assets 8251.04b / Total Current Liabilities 32687.81b)
Debt / Equity = 2.18 (Debt 10277.06b / totalStockholderEquity, last quarter 4719.70b)
Debt / EBITDA = 7.78 (Net Debt 8301.42b / EBITDA 1066.80b)
Debt / FCF = 6.84 (Net Debt 8301.42b / FCF TTM 1213.95b)
Total Stockholder Equity = 4556.66b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.54% (Net Income 1053.21b / Total Assets 68094.96b)
RoE = 23.11% (Net Income TTM 1053.21b / Total Stockholder Equity 4556.66b)
RoCE = 5.90% (EBIT 965.65b / Capital Employed (Equity 4556.66b + L.T.Debt 11824.07b))
RoIC = 5.78% (NOPAT 805.57b / Invested Capital 13946.13b)
WACC = 3.44% (E(17.02b)/V(10294.08b) * Re(8.18%) + D(10277.06b)/V(10294.08b) * Rd(4.11%) * (1-Tc(0.17)))
Discount Rate = 8.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈894.17b ; Y1≈586.97b ; Y5≈267.82b
Fair Price DCF = 492.4 (EV 8533.39b - Net Debt 8301.42b = Equity 231.97b / Shares 471.1m; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 45.04 | EPS CAGR: -2.59% | SUE: -0.03 | # QB: 0
Revenue Correlation: -25.60 | Revenue CAGR: -4.65% | SUE: -0.35 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.60 | Chg30d=-0.008 | Revisions Net=+0 | Analysts=4
EPS current Year (2026-12-31): EPS=2.57 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=+3.7% | Growth Revenue=+5.2%
EPS next Year (2027-12-31): EPS=2.82 | Chg30d=+0.066 | Revisions Net=-1 | Growth EPS=+9.8% | Growth Revenue=+7.9%