Overview Dividends

(BSAC) Banco Santander Chile - Ratings and Ratios

Exchange: NYSE • Country: Chile • Currency: USD • Type: Common Stock • ISIN: US05965X1090

Checking, Credit, Loans, Insurance, Investments

Diversified Banks
Market Cap in USD: 14,920m

IPO / Inception: 1994-05-23
Return 12m vs S&P 500: 50.2%

EPS (Earnings per Share)

EPS CAGR: 34.45%
EPS Trend: 40.2%

Last SUE: 3.36
Qual. Beats: 2

Revenue

Rev. CAGR: -2.21%
Rev. Trend: -4.7%

Last SUE: 0.23
Qual. Beats: 0

Dividends

Dividend Yield	4.20%
Yield on Cost 5y	8.85%
Yield CAGR 5y	-3.73%
Payout Consistency	88.7%
Payout Ratio	30.1%

Risk via 5d forecast
Volatility	24.0%
Value at Risk 5%th	40.5%
Relative Tail Risk	2.82%

Reward TTM
Sharpe Ratio	2.35
Alpha	66.88
CAGR/Max DD	1.62

Character TTM
Hurst Exponent	0.364
Beta	0.590
Beta Downside	0.578

Drawdowns 3y
Max DD	20.67%
Mean DD	6.20%
Median DD	5.32%

Description: BSAC Banco Santander Chile November 03, 2025

Banco Santander-Chile (BSAC) is the Chilean subsidiary of Spain’s Banco Santander, offering a full suite of commercial and retail banking services across five operating segments: Retail, Wealth Management & Insurance, Middle-Market, Corporate & Investment Banking, and Corporate Activities. Its product lineup includes checking and savings accounts, debit/credit cards, a broad range of loan products (consumer, auto, mortgage, government-guaranteed, and foreign-currency), as well as ancillary services such as mutual fund management, insurance, brokerage, leasing, factoring, and treasury solutions for individuals, SMEs, large corporates, and public entities.

Key data points that shape BSAC’s outlook: (1) Q4 2024 net interest margin (NIM) held at 2.1 % ± 0.2 pp, reflecting modest pressure from Chile’s recent rate cuts; (2) loan portfolio grew 5.4 % YoY in H1 2025, driven by strong demand for mortgage and SME financing amid a 2.8 % GDP expansion forecast for 2025; (3) non-performing loan (NPL) ratio remains low at 1.1 % ± 0.1 %, underscoring asset-quality resilience despite higher inflationary pressures. Macro-level drivers include the Central Bank of Chile’s policy easing cycle, which reduces funding costs, and a gradual shift toward digital banking that is compressing branch-related expenses while expanding reach to under-banked segments.

For a deeper quantitative assessment, you may find ValueRay’s platform useful for benchmarking BSAC against peers and exploring scenario-based valuations.

Piotroski VR‑10 (Strict, 0-10) 1.0

Net Income (1069.72b TTM) > 0 and > 6% of Revenue (6% = 274.65b TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 0.81pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -533.9% (prev -642.9%; Δ 109.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 1030.88b <= Net Income 1069.72b (YES >=105%, WARN >=100%)

Net Debt (11244.44b) to EBITDA (1437.17b) ratio: 7.82 <= 3.0 (WARN <= 3.5)

Current Ratio 0.25 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (471.1m) change vs 12m ago 0.00% (target <= -2.0% for YES)

Gross Margin 46.74% (prev 46.83%; Δ -0.09pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.83% (prev 6.54%; Δ 0.28pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.69 (EBITDA TTM 1437.17b / Interest Expense TTM 1896.72b) >= 6 (WARN >= 3)

Altman Z'' -2.10

(A) -0.36 = (Total Current Assets 8251.04b - Total Current Liabilities 32687.81b) / Total Assets 68240.21b

(B) 0.01 = Retained Earnings (Balance) 836.89b / Total Assets 68240.21b

(D) 0.07 = Book Value of Equity 4592.38b / Total Liabilities 63532.74b

Total Rating: -2.10 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 56.08

1. Piotroski 1.0pt

2. FCF Yield 4.79%

3. FCF Margin 21.43%

4. Debt/Equity 3.31

5. Debt/Ebitda 7.82

6. ROIC - WACC (= 1.90)%

7. RoE 24.04%

8. Rev. Trend -4.66%

9. EPS Trend 40.20%

What is the price of BSAC shares?

As of December 29, 2025, the stock is trading at USD 31.67 with a total of 88,152 shares traded.
Over the past week, the price has changed by +1.34%, over one month by +5.81%, over three months by +20.28% and over the past year by +78.32%.

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.

Strong Buy: 1
Buy: 0
Hold: 8
Sell: 2
Strong Sell: 0

What are the forecasts/targets for the BSAC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	27.7	-12.7%
Analysts Target Price	27.7	-12.7%
ValueRay Target Price	43.3	36.7%

BSAC Fundamental Data Overview December 28, 2025

Market Cap CLP = 13516.23b (14.92b USD * 905.9 USD.CLP)
P/E Trailing = 12.668
P/E Forward = 12.2249
P/S = 4.8775
P/B = 2.9536
P/EG = 2.1082
Beta = 0.45
Revenue TTM = 4577.42b CLP
EBIT TTM = 1300.30b CLP
EBITDA TTM = 1437.17b CLP
Long Term Debt = 11824.07b CLP (from longTermDebt, last quarter)
Short Term Debt = 3331.39b CLP (from shortTermDebt, last quarter)
Debt = 15200.52b CLP (from shortLongTermDebtTotal, last quarter)
Net Debt = 11244.44b CLP (from netDebt column, last quarter)
Enterprise Value = 20465.80b CLP (13516.23b + Debt 15200.52b - CCE 8250.95b)
Interest Coverage Ratio = 0.69 (Ebit TTM 1300.30b / Interest Expense TTM 1896.72b)
FCF Yield = 4.79% (FCF TTM 981.00b / Enterprise Value 20465.80b)
FCF Margin = 21.43% (FCF TTM 981.00b / Revenue TTM 4577.42b)
Net Margin = 23.37% (Net Income TTM 1069.72b / Revenue TTM 4577.42b)
Gross Margin = 46.74% ((Revenue TTM 4577.42b - Cost of Revenue TTM 2437.90b) / Revenue TTM)
Gross Margin QoQ = 47.89% (prev 52.66%)
Tobins Q-Ratio = 0.30 (Enterprise Value 20465.80b / Total Assets 68240.21b)
Interest Expense / Debt = 2.78% (Interest Expense 422.90b / Debt 15200.52b)
Taxrate = 17.61% (53.61b / 304.48b)
NOPAT = 1071.34b (EBIT 1300.30b * (1 - 17.61%))
Current Ratio = 0.25 (Total Current Assets 8251.04b / Total Current Liabilities 32687.81b)
Debt / Equity = 3.31 (Debt 15200.52b / totalStockholderEquity, last quarter 4592.38b)
Debt / EBITDA = 7.82 (Net Debt 11244.44b / EBITDA 1437.17b)
Debt / FCF = 11.46 (Net Debt 11244.44b / FCF TTM 981.00b)
Total Stockholder Equity = 4449.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.57% (Net Income 1069.72b / Total Assets 68240.21b)
RoE = 24.04% (Net Income TTM 1069.72b / Total Stockholder Equity 4449.84b)
RoCE = 7.99% (EBIT 1300.30b / Capital Employed (Equity 4449.84b + L.T.Debt 11824.07b))
RoIC = 6.97% (NOPAT 1071.34b / Invested Capital 15368.72b)
WACC = 5.07% (E(13516.23b)/V(28716.75b) * Re(8.19%) + D(15200.52b)/V(28716.75b) * Rd(2.78%) * (1-Tc(0.18)))
Discount Rate = 8.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
[DCF Debug] Terminal Value 69.82% ; FCFE base≈754.61b ; Y1≈495.44b ; Y5≈226.57b
Fair Price DCF = 9223 (DCF Value 4344.88b / Shares Outstanding 471.1m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 40.20 | EPS CAGR: 34.45% | SUE: 3.36 | # QB: 2
Revenue Correlation: -4.66 | Revenue CAGR: -2.21% | SUE: 0.23 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.61 | Chg30d=+0.010 | Revisions Net=+2 | Analysts=3
EPS next Year (2026-12-31): EPS=2.57 | Chg30d=+0.012 | Revisions Net=+2 | Growth EPS=+7.5% | Growth Revenue=+7.0%

Additional Sources for BSAC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle