BSAC Stock Analysis: Banco Santander Chile | NYSE
Banks - Regional | NYSE, USA | Market Cap: 15.231m USD | 12M Return: 12.7% | US05965X1090 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 14.4M
EPS Trend: 91.2%
Qual. Beats: -1
Rev. Trend: -18.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Banco Santander-Chile (NYSE: BSAC) is a diversified commercial and retail bank operating in Chile through five segments: Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other. Its product portfolio spans deposit accounts, debit and credit cards, consumer and commercial loans, mortgages, mutual funds, insurance, securities brokerage, foreign exchange, leasing, factoring, treasury, and wealth management services. The bank serves individuals, small and middle-market companies, large corporates, universities, government entities, and the construction and real estate sector. Incorporated in 1977 and headquartered in Santiago, BSAC is a subsidiary of Spains Banco Santander, S.A., and trades on the NYSE as an American Depositary Receipt (ADR), a common structure that allows Chilean banks to access U.S. capital markets without a full domestic listing.
- Chile central bank rate cuts compress net interest margin
- Loan growth in middle-market segment drives retail earnings
- Chilean peso volatility weighs on foreign currency loan book
| Net Income: 1117b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -2.38 > 1.0 |
| NWC/Revenue: -636.5% < 20% (prev -533.9%; Δ -102.7% < -1%) |
| CFO/TA -0.00 > 3% & CFO -374b > Net Income 1117b |
| Net Debt (11103b) to EBITDA (1490b): 7.45 < 3 |
| Current Ratio: 0.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (471.1m) vs 12m ago 0.0% < -2% |
| Gross Margin: 44.55% > 18% (prev 46.74%; Δ -2.19% > 0.5%) |
| Asset Turnover: 5.87% > 50% (prev 6.71%; Δ -0.83% > 0%) |
| Interest Coverage Ratio: 0.77 > 6 (EBIT TTM 1358b / Interest Expense TTM 1766b) |
| A: -0.35 (Total Current Assets 9913b - Total Current Liabilities 37280b) / Total Assets 78141b |
| B: 0.01 (Retained Earnings 932b / Total Assets 78141b) |
| C: 0.02 (EBIT TTM 1358b / Avg Total Assets 73190b) |
| D: 0.07 (Book Value of Equity 4943b / Total Liabilities 73026b) |
| Altman-Z'' = -2.06 = D |
As of November 12, 2026, the stock is trading at USD 32.43 with a total of 236,596 shares traded. Over the past week, the price has changed by -1.94%, over one month by +0.75%, over three months by -7.42% and over the past year by +12.65%.
Current recommended Stop Loss: 31.10 (which is 4.1% or 1.5 ATR below the current price).
Banco Santander Chile has received a consensus analysts rating of 2.91. Therefore, it is recommended to hold BSAC.
- StrongBuy: 0
- Buy: 2
- Hold: 7
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 35 | 7.8% |
Market Cap CLP = 14969b (15.2b USD * 982.8 USD.CLP)
P/E Trailing = 12.4826
P/E Forward = 15.7729
P/S = 5.0618
P/B = 3.0208
P/EG = 2.3528
Revenue TTM = 4300b CLP
EBIT TTM = 1358b CLP
EBITDA TTM = 1490b CLP
Long Term Debt = 10690b CLP (from longTermDebt, last quarter)
Short Term Debt = 3910b CLP (from shortTermDebt, last quarter)
Debt = 14722b CLP (from shortLongTermDebtTotal, last quarter) + Leases 60.8b
Net Debt = 11103b CLP (calculated: Debt 14722b - CCE 3620b)
Enterprise Value = 26072b CLP (14969b + Debt 14722b - CCE 3620b)
Interest Coverage Ratio = 0.77 (Ebit TTM 1358b / Interest Expense TTM 1766b)
EV/FCF = -55.23x (Enterprise Value 26072b / FCF TTM -472b)
FCF Yield = -1.81% (FCF TTM -472b / Enterprise Value 26072b)
FCF Margin = -10.98% (FCF TTM -472b / Revenue TTM 4300b)
Net Margin = 25.97% (Net Income TTM 1117b / Revenue TTM 4300b)
Gross Margin = 44.55% ((Revenue TTM 4300b - Cost of Revenue TTM 2384b) / Revenue TTM)
Gross Margin QoQ = -11.28% (prev 57.57%)
Tobins Q-Ratio = 0.33 (Enterprise Value 26072b / Total Assets 78141b)
Interest Expense / Debt = 11.99% (Interest Expense 1766b / Debt 14722b)
Taxrate = 15.68% (213b / 1358b)
NOPAT = 1145b (EBIT 1358b * (1 - 15.68%))
Current Ratio = 0.27 (Total Current Assets 9913b / Total Current Liabilities 37280b)
Debt / Equity = 2.98 (Debt 14722b / totalStockholderEquity, last quarter 4943b)
Debt / EBITDA = 7.45 (Net Debt 11103b / EBITDA 1490b)
Debt / FCF = -23.52 (negative FCF - burning cash) (Net Debt 11103b / FCF TTM -472b)
Total Stockholder Equity = 5068b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.53% (Net Income 1117b / Total Assets 78141b)
RoE = 22.03% (Net Income TTM 1117b / Total Stockholder Equity 5068b)
RoCE = 8.62% (EBIT 1358b / Capital Employed (Equity 5068b + L.T.Debt 10690b))
RoIC = 2.57% (NOPAT 1145b / Invested Capital 44556b)
WACC = 8.77% (E(14969b)/V(29691b) * Re(7.45%) + D(14722b)/V(29691b) * Rd(11.99%) * (1-Tc(0.16)))
Discount Rate = 7.45% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -29.01 | Cagr: 0.0%
[DCF] Fair Price = unknown (Cash Flow -472b)
EPS Correlation: 91.15 | EPS CAGR: 37.01% | SUE: -1.20 | # QB: -1
Revenue Correlation: -18.95 | Revenue CAGR: -1.91% | SUE: -0.24 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.71 | Chg30d=-6.96% | Revisions=-25% | Analysts=3
EPS current Year (2026-12-31): EPS=2.61 | Chg30d=-9.54% | Revisions=-25% | GrowthEPS=+5.2% | GrowthRev=+5.5%
EPS next Year (2027-12-31): EPS=2.98 | Chg30d=-1.81% | Revisions=-25% | GrowthEPS=+14.3% | GrowthRev=+8.9%
[Analyst] Revisions Ratio: -50% (up=0, down=3)