(BSAC) Banco Santander Chile - Overview
Sector: Financial ServicesIndustry: Banks - Regional | Exchange NYSE (USA) | Currency USD | Market Cap: 15.123m | Total Return 42% in 12m
Stock: Loans, Deposits, Cards, Investments, Insurance
Total Rating 45
Risk 31
Buy Signal -0.70
| Risk 5d forecast | |
|---|---|
| Volatility | 27.1% |
| Relative Tail Risk | 3.92% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.25 |
| Alpha | 30.65 |
| Character TTM | |
|---|---|
| Beta | 0.814 |
| Beta Downside | 0.657 |
| Drawdowns 3y | |
|---|---|
| Max DD | 20.67% |
| CAGR/Max DD | 1.36 |
EPS (Earnings per Share)
Revenue
Description: BSAC Banco Santander Chile March 05, 2026
Banco Santander-Chile (BSAC) operates as a diversified bank in Chile. It offers a full range of commercial and retail banking services.
The companys operations are segmented into Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other. This structure allows for specialized focus on different client needs, a common practice in large financial institutions.
BSAC provides various products including checking and savings accounts, debit and credit cards, and multiple loan types (consumer, auto, commercial, mortgage). It also offers Chilean peso and foreign currency-denominated loans, catering to diverse financial requirements.
Beyond traditional banking, the company engages in mutual fund management, insurance and securities brokerage, foreign exchange, financial leasing, and consulting. This broad offering is typical of universal banks, which aim to provide comprehensive financial solutions.
BSAC serves a wide client base, from individuals and small to middle-sized companies to government agencies and real estate firms. This diversified client portfolio helps mitigate risk by not over-relying on a single market segment.
For more detailed financial data and comparative analysis, consider exploring ValueRays platform.
Headlines to watch out for
- Chilean interest rate changes impact loan profitability
- Economic growth in Chile drives loan demand
- Regulatory changes in Chilean banking sector
- Competition from other Chilean banks affects market share
- Global economic conditions influence foreign exchange revenue
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 1053.21b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.53 > 1.0 |
| NWC/Revenue: -786.9% < 20% (prev 95.39%; Δ -882.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 886.93b > Net Income 1053.21b |
| Net Debt (10909.64b) to EBITDA (1380.57b): 7.90 < 3 |
| Current Ratio: 0.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (471.1m) vs 12m ago -0.00% < -2% |
| Gross Margin: 38.96% > 18% (prev 0.49%; Δ 3.85k% > 0.5%) |
| Asset Turnover: 5.72% > 50% (prev 6.12%; Δ -0.40% > 0%) |
| Interest Coverage Ratio: 0.72 > 6 (EBITDA TTM 1380.57b / Interest Expense TTM 1720.06b) |
Altman Z'' -2.72
| A: -0.45 (Total Current Assets 1975.64b - Total Current Liabilities 32718.11b) / Total Assets 68094.96b |
| B: 0.01 (Retained Earnings 661.60b / Total Assets 68094.96b) |
| C: 0.02 (EBIT TTM 1245.41b / Avg Total Assets 68249.12b) |
| D: 0.08 (Book Value of Equity 4986.89b / Total Liabilities 62410.98b) |
| Altman-Z'' Score: -2.72 = D |
Beneish M -3.57
| DSRI: 0.08 (Receivables 99.44b/1285.88b, Revenue 3906.73b/4189.08b) |
| GMI: 1.26 (GM 38.96% / 49.11%) |
| AQI: 1.04 (AQ_t 0.97 / AQ_t-1 0.93) |
| SGI: 0.93 (Revenue 3906.73b / 4189.08b) |
| TATA: 0.00 (NI 1053.21b - CFO 886.93b) / TA 68094.96b) |
| Beneish M-Score: -3.57 (Cap -4..+1) = AAA |
What is the price of BSAC shares?
As of March 29, 2026, the stock is trading at USD 31.54 with a total of 373,118 shares traded.
Over the past week, the price has changed by +1.55%, over one month by -6.99%, over three months by +0.80% and over the past year by +41.98%.
Over the past week, the price has changed by +1.55%, over one month by -6.99%, over three months by +0.80% and over the past year by +41.98%.
Is BSAC a buy, sell or hold?
Banco Santander Chile has received a consensus analysts rating of 3.00.
Therefor, it is recommend to hold BSAC.
- 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 | 33.3 | 5.6% |
| Analysts Target Price | 33.3 | 5.6% |
BSAC Fundamental Data Overview March 25, 2026
Market Cap CLP = 14060.80b (15.12b USD * 929.775 USD.CLP)
P/E Trailing = 13.7179
P/E Forward = 14.0647
P/S = 4.9112
P/B = 2.4932
P/EG = 2.5587
Revenue TTM = 3906.73b CLP
EBIT TTM = 1245.41b CLP
EBITDA TTM = 1380.57b CLP
Long Term Debt = 13081.83b CLP (from longTermDebt, last quarter)
Short Term Debt = 8120.13b CLP (from shortTermDebt, last quarter)
Debt = 16148.21b CLP (from shortLongTermDebtTotal, last quarter)
Net Debt = 10909.64b CLP (from netDebt column, last quarter)
Enterprise Value = 23573.10b CLP (14060.80b + Debt 16148.21b - CCE 6635.92b)
Interest Coverage Ratio = 0.72 (Ebit TTM 1245.41b / Interest Expense TTM 1720.06b)
EV/FCF = 30.37x (Enterprise Value 23573.10b / FCF TTM 776.12b)
FCF Yield = 3.29% (FCF TTM 776.12b / Enterprise Value 23573.10b)
FCF Margin = 19.87% (FCF TTM 776.12b / Revenue TTM 3906.73b)
Net Margin = 26.96% (Net Income TTM 1053.21b / Revenue TTM 3906.73b)
Gross Margin = 38.96% ((Revenue TTM 3906.73b - Cost of Revenue TTM 2384.51b) / Revenue TTM)
Gross Margin QoQ = -22.14% (prev 47.89%)
Tobins Q-Ratio = 0.35 (Enterprise Value 23573.10b / Total Assets 68094.96b)
Interest Expense / Debt = 2.88% (Interest Expense 464.58b / Debt 16148.21b)
Taxrate = 16.58% (51.70b / 311.90b)
NOPAT = 1038.96b (EBIT 1245.41b * (1 - 16.58%))
Current Ratio = 0.06 (Total Current Assets 1975.64b / Total Current Liabilities 32718.11b)
Debt / Equity = 2.88 (Debt 16148.21b / totalStockholderEquity, last quarter 5616.36b)
Debt / EBITDA = 7.90 (Net Debt 10909.64b / EBITDA 1380.57b)
Debt / FCF = 14.06 (Net Debt 10909.64b / FCF TTM 776.12b)
Total Stockholder Equity = 4780.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.54% (Net Income 1053.21b / Total Assets 68094.96b)
RoE = 22.03% (Net Income TTM 1053.21b / Total Stockholder Equity 4780.82b)
RoCE = 6.97% (EBIT 1245.41b / Capital Employed (Equity 4780.82b + L.T.Debt 13081.83b))
RoIC = 6.86% (NOPAT 1038.96b / Invested Capital 15134.14b)
WACC = 5.40% (E(14060.80b)/V(30209.01b) * Re(8.84%) + D(16148.21b)/V(30209.01b) * Rd(2.88%) * (1-Tc(0.17)))
Discount Rate = 8.84% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -81.65 | Cagr: -0.00%
[DCF] Terminal Value 80.82% ; FCFF base≈631.47b ; Y1≈414.59b ; Y5≈189.59b
[DCF] Fair Price = N/A (negative equity: EV 6018.24b - Net Debt 10909.64b = -4891.41b; debt exceeds intrinsic value)
EPS Correlation: 45.04 | EPS CAGR: -2.59% | SUE: -0.03 | # QB: 0
Revenue Correlation: -25.08 | Revenue CAGR: -4.09% | SUE: -0.35 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.67 | Chg7d=+0.019 | Chg30d=+0.020 | Revisions Net=+1 | Analysts=3
EPS current Year (2026-12-31): EPS=2.72 | Chg7d=+0.000 | Chg30d=+0.103 | Revisions Net=+0 | Growth EPS=+9.7% | Growth Revenue=+6.2%
EPS next Year (2027-12-31): EPS=3.05 | Chg7d=+0.000 | Chg30d=+0.198 | Revisions Net=+3 | Growth EPS=+12.0% | Growth Revenue=+7.7%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.6% (Discount Rate 8.8% - Earnings Yield 7.3%)
[Growth] Growth Spread = +1.9% (Analyst 3.4% - Implied 1.6%)
P/E Trailing = 13.7179
P/E Forward = 14.0647
P/S = 4.9112
P/B = 2.4932
P/EG = 2.5587
Revenue TTM = 3906.73b CLP
EBIT TTM = 1245.41b CLP
EBITDA TTM = 1380.57b CLP
Long Term Debt = 13081.83b CLP (from longTermDebt, last quarter)
Short Term Debt = 8120.13b CLP (from shortTermDebt, last quarter)
Debt = 16148.21b CLP (from shortLongTermDebtTotal, last quarter)
Net Debt = 10909.64b CLP (from netDebt column, last quarter)
Enterprise Value = 23573.10b CLP (14060.80b + Debt 16148.21b - CCE 6635.92b)
Interest Coverage Ratio = 0.72 (Ebit TTM 1245.41b / Interest Expense TTM 1720.06b)
EV/FCF = 30.37x (Enterprise Value 23573.10b / FCF TTM 776.12b)
FCF Yield = 3.29% (FCF TTM 776.12b / Enterprise Value 23573.10b)
FCF Margin = 19.87% (FCF TTM 776.12b / Revenue TTM 3906.73b)
Net Margin = 26.96% (Net Income TTM 1053.21b / Revenue TTM 3906.73b)
Gross Margin = 38.96% ((Revenue TTM 3906.73b - Cost of Revenue TTM 2384.51b) / Revenue TTM)
Gross Margin QoQ = -22.14% (prev 47.89%)
Tobins Q-Ratio = 0.35 (Enterprise Value 23573.10b / Total Assets 68094.96b)
Interest Expense / Debt = 2.88% (Interest Expense 464.58b / Debt 16148.21b)
Taxrate = 16.58% (51.70b / 311.90b)
NOPAT = 1038.96b (EBIT 1245.41b * (1 - 16.58%))
Current Ratio = 0.06 (Total Current Assets 1975.64b / Total Current Liabilities 32718.11b)
Debt / Equity = 2.88 (Debt 16148.21b / totalStockholderEquity, last quarter 5616.36b)
Debt / EBITDA = 7.90 (Net Debt 10909.64b / EBITDA 1380.57b)
Debt / FCF = 14.06 (Net Debt 10909.64b / FCF TTM 776.12b)
Total Stockholder Equity = 4780.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.54% (Net Income 1053.21b / Total Assets 68094.96b)
RoE = 22.03% (Net Income TTM 1053.21b / Total Stockholder Equity 4780.82b)
RoCE = 6.97% (EBIT 1245.41b / Capital Employed (Equity 4780.82b + L.T.Debt 13081.83b))
RoIC = 6.86% (NOPAT 1038.96b / Invested Capital 15134.14b)
WACC = 5.40% (E(14060.80b)/V(30209.01b) * Re(8.84%) + D(16148.21b)/V(30209.01b) * Rd(2.88%) * (1-Tc(0.17)))
Discount Rate = 8.84% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -81.65 | Cagr: -0.00%
[DCF] Terminal Value 80.82% ; FCFF base≈631.47b ; Y1≈414.59b ; Y5≈189.59b
[DCF] Fair Price = N/A (negative equity: EV 6018.24b - Net Debt 10909.64b = -4891.41b; debt exceeds intrinsic value)
EPS Correlation: 45.04 | EPS CAGR: -2.59% | SUE: -0.03 | # QB: 0
Revenue Correlation: -25.08 | Revenue CAGR: -4.09% | SUE: -0.35 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.67 | Chg7d=+0.019 | Chg30d=+0.020 | Revisions Net=+1 | Analysts=3
EPS current Year (2026-12-31): EPS=2.72 | Chg7d=+0.000 | Chg30d=+0.103 | Revisions Net=+0 | Growth EPS=+9.7% | Growth Revenue=+6.2%
EPS next Year (2027-12-31): EPS=3.05 | Chg7d=+0.000 | Chg30d=+0.198 | Revisions Net=+3 | Growth EPS=+12.0% | Growth Revenue=+7.7%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.6% (Discount Rate 8.8% - Earnings Yield 7.3%)
[Growth] Growth Spread = +1.9% (Analyst 3.4% - Implied 1.6%)