(BSAC) Banco Santander Chile - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 14.482m USD | Total Return: 30.6% in 12m
Avg Turnover: 15.2M
EPS Trend: 92.5%
Qual. Beats: 0
Rev. Trend: -37.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Banco Santander-Chile (BSAC) is a full-service financial institution operating as a subsidiary of the Spanish multinational Banco Santander, S.A. Headquartered in Santiago, the bank provides a comprehensive suite of retail, commercial, and investment banking services. Its operations are divided into segments targeting individual consumers, small-to-medium enterprises, and large corporate clients, alongside specialized divisions for wealth management and insurance brokerage.
The company utilizes a universal banking model, offering diverse products ranging from traditional mortgage and consumer lending to complex derivatives, securitization, and asset management. In the Chilean banking sector, major institutions like BSAC often benefit from high barriers to entry and a concentrated market structure dominated by a few large players. The banks integration with its global parent company allows it to leverage international treasury and trade finance capabilities while maintaining a dominant domestic footprint.
For a more granular view of the companys financial health and valuation metrics, consider exploring the data available on ValueRay. This summary provides a baseline for understanding the firms structural role within the Chilean economy and its diversified revenue streams across banking and insurance markets.
- Monetary policy shifts and central bank interest rate cuts impact net interest margins
- Fluctuations in Chilean inflation rates significantly affect consumer loan demand and profitability
- Domestic economic growth trends dictate credit quality and provision for loan losses
- Expansion of digital banking and insurance services drives non-interest fee income growth
- Political instability and regulatory changes in Chile influence investor risk premium and valuation
| 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 0.54%; Δ 5.00k% > 0.5%) |
| Asset Turnover: 7.04% > 50% (prev 6.08%; Δ 0.96% > 0%) |
| Interest Coverage Ratio: 0.70 > 6 (EBITDA TTM 1382b / 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: 0.02 (Book Value of Equity 1253b / Total Liabilities 65003b) |
| Altman-Z'' = 1.19 = BB |
| DSRI: 20.7k (Receivables 1928b/79.0m, Revenue 4818b/4077b) |
| GMI: 1.06 (GM 50.52% / 53.74%) |
| 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 = 17.0k (Cap -4..+1) = D |
As of May 24, 2026, the stock is trading at USD 31.51 with a total of 170,665 shares traded.
Over the past week, the price has changed by +2.65%,
over one month by -3.21%,
over three months by -8.29% and
over the past year by +30.55%.
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 | 33.5 | 6.2% |
P/E Trailing = 12.7025
P/E Forward = 13.8504
P/S = 4.4068
P/B = 2.6549
P/EG = 2.1988
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 = 58876b CLP (13010b + Debt 47743b - CCE 1877b)
Interest Coverage Ratio = 0.70 (Ebit TTM 1247b / Interest Expense TTM 1770b)
EV/FCF = 76.69x (Enterprise Value 58876b / FCF TTM 768b)
FCF Yield = 1.30% (FCF TTM 768b / Enterprise Value 58876b)
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 = 0.84 (Enterprise Value 58876b / Total Assets 69897b)
Interest Expense / Debt = 3.71% (Interest Expense 1770b / Debt 47743b)
Taxrate = 16.62% (55.9b / 336b)
NOPAT = 1040b (EBIT 1247b * (1 - 16.62%))
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 1040b / Invested Capital 52590b)
WACC = 4.21% (E(13010b)/V(60753b) * Re(8.33%) + D(47743b)/V(60753b) * Rd(3.71%) * (1-Tc(0.17)))
Discount Rate = 8.33% (= 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: 92.54 | EPS CAGR: 68.74% | SUE: 0.02 | # QB: 0
Revenue Correlation: -37.07 | Revenue CAGR: -3.79% | SUE: 0.03 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.68 | Chg30d=-5.41% | Revisions=-20% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.71 | Chg30d=-7.05% | Revisions=+20% | Analysts=4
EPS current Year (2026-12-31): EPS=2.73 | Chg30d=+1.99% | Revisions=+20% | GrowthEPS=+10.2% | GrowthRev=+2.9%
EPS next Year (2027-12-31): EPS=3.12 | Chg30d=+0.81% | Revisions=+33% | GrowthEPS=+14.1% | GrowthRev=+10.3%
[Analyst] Revisions Ratio: +33%