BSAC Stock Analysis: Banco Santander Chile | NYSE
Banks - Regional | NYSE, USA | Market Cap: 16.155m USD | 12M Return: 33.7% | US05965X1090 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.79M
EPS Trend: 93.4%
Qual. Beats: 1
Rev. Trend: -18.7%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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: 1127b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -1.37 > 1.0 |
| NWC/Revenue: -535.2% < 20% (prev -586.5%; Δ 51.33% < -1%) |
| CFO/TA -0.00 > 3% & CFO -149b > Net Income 1127b |
| Net Debt (4217b) to EBITDA (1505b): 2.80 < 3 |
| Current Ratio: 0.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (471.1m) vs 12m ago 0.0% < -2% |
| Gross Margin: 50.85% > 18% (prev 55.41%; Δ -4.56% > 0.5%) |
| Asset Turnover: 7.11% > 50% (prev 6.11%; Δ 0.99% > 0%) |
| Interest Coverage Ratio: 0.79 > 6 (EBIT TTM 1372b / Interest Expense TTM 1746b) |
| A: -0.37 (Total Current Assets 9715b - Total Current Liabilities 35676b) / Total Assets 70323b |
| B: 0.01 (Retained Earnings 695b / Total Assets 70323b) |
| C: 0.02 (EBIT TTM 1372b / Avg Total Assets 68256b) |
| D: 0.08 (Book Value of Equity 4974b / Total Liabilities 65185b) |
| Altman-Z'' = -2.17 = D |
| DSRI: 0.14 (Receivables 185b/1126b, Revenue 4851b/4047b) |
| GMI: 1.09 (GM 55.41% / 50.85%) |
| AQI: 0.98 (AQ_t 0.86 / AQ_t-1 0.88) |
| SGI: 1.20 (Revenue 4851b / 4047b) |
| TATA: 0.02 (NI 1127b - CFO -149b) / TA 70323b) |
| Beneish M = -3.52 (Cap -4..+1) = AAA |
As of September 25, 2026, the stock is trading at USD 33.78 with a total of 253,949 shares traded. Over the past week, the price has changed by -1.49%, over one month by -6.43%, over three months by +7.37% and over the past year by +33.66%.
Current recommended Stop Loss: 31.80 (which is 5.9% or 2.4 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 | 35.3 | 4.6% |
Market Cap CLP = 15547b (16.2b USD * 962.375 USD.CLP)
P/E Trailing = 13.716
P/E Forward = 16.4745
P/S = 5.2343
P/B = 3.11
P/EG = 2.6165
Revenue TTM = 4851b CLP
EBIT TTM = 1372b CLP
EBITDA TTM = 1505b CLP
Long Term Debt = 10602b CLP (from longTermDebt, last quarter)
Short Term Debt = 3233b CLP (from shortTermDebt, last quarter)
Debt = 13932b CLP (from shortLongTermDebtTotal, last quarter) + Leases 48.8b
Net Debt = 4217b CLP (calculated: Debt 13932b - CCE 9715b)
Enterprise Value = 19763b CLP (15547b + Debt 13932b - CCE 9715b)
Interest Coverage Ratio = 0.79 (Ebit TTM 1372b / Interest Expense TTM 1746b)
EV/FCF = -82.28x (Enterprise Value 19763b / FCF TTM -240b)
FCF Yield = -1.22% (FCF TTM -240b / Enterprise Value 19763b)
FCF Margin = -4.95% (FCF TTM -240b / Revenue TTM 4851b)
Net Margin = 23.23% (Net Income TTM 1127b / Revenue TTM 4851b)
Gross Margin = 50.85% ((Revenue TTM 4851b - Cost of Revenue TTM 2384b) / Revenue TTM)
Gross Margin QoQ = 57.57% (prev none%)
Tobins Q-Ratio = 0.28 (Enterprise Value 19763b / Total Assets 70323b)
Interest Expense / Debt = 12.53% (Interest Expense 1746b / Debt 13932b)
Taxrate = 16.02% (220b / 1372b)
NOPAT = 1152b (EBIT 1372b * (1 - 16.02%))
Current Ratio = 0.27 (Total Current Assets 9715b / Total Current Liabilities 35676b)
Debt / Equity = 2.80 (Debt 13932b / totalStockholderEquity, last quarter 4974b)
Debt / EBITDA = 2.80 (Net Debt 4217b / EBITDA 1505b)
Debt / FCF = -17.55 (negative FCF - burning cash) (Net Debt 4217b / FCF TTM -240b)
Total Stockholder Equity = 4981b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.65% (Net Income 1127b / Total Assets 70323b)
RoE = 22.63% (Net Income TTM 1127b / Total Stockholder Equity 4981b)
RoCE = 8.80% (EBIT 1372b / Capital Employed (Equity 4981b + L.T.Debt 10602b))
RoIC = 3.06% (NOPAT 1152b / Invested Capital 37638b)
WACC = 9.15% (E(15547b)/V(29479b) * Re(7.92%) + D(13932b)/V(29479b) * Rd(12.53%) * (1-Tc(0.16)))
Discount Rate = 7.92% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -40.62 | Cagr: 0.0%
[DCF] Fair Price = unknown (Cash Flow -240b)
EPS Correlation: 93.36 | EPS CAGR: 42.98% | SUE: 3.83 | # QB: 1
Revenue Correlation: -18.70 | Revenue CAGR: -1.88% | SUE: 0.55 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.70 | Chg30d=+3.34% | Revisions=+50% | Analysts=4
EPS current Year (2026-12-31): EPS=2.89 | Chg30d=+4.62% | Revisions=+50% | GrowthEPS=+16.3% | GrowthRev=+7.7%
EPS next Year (2027-12-31): EPS=3.04 | Chg30d=-2.49% | Revisions=-50% | GrowthEPS=+5.3% | GrowthRev=+6.9%
[Analyst] Revisions Ratio: +25% (up=6, down=3)