(BSAC) Banco Santander Chile - Ratings and Ratios
Banking, Loans, Credit Cards, Insurance, Investments, Savings
BSAC EPS (Earnings per Share)
BSAC Revenue
Description: BSAC Banco Santander Chile
Banco Santander Chile (BSAC) is a major banking institution in Chile, offering a wide range of financial products and services across various segments, including retail, wealth management, and corporate banking. The banks diverse product portfolio includes checking and savings accounts, credit and debit cards, consumer and commercial loans, and mortgage financing services.
The banks operations are segmented into Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other. This segmentation allows BSAC to cater to different customer needs, from individual consumers to large corporations, and provides a comprehensive suite of financial services, including investment management, foreign exchange, and transactional services.
From a financial perspective, BSAC has a market capitalization of approximately $11.7 billion USD, with a price-to-earnings ratio of 10.81 and a forward P/E of 10.94, indicating a relatively stable valuation. The banks return on equity (RoE) is 23.63%, suggesting a strong profitability profile. Additional key performance indicators (KPIs) to consider include the banks efficiency ratio, net interest margin, and loan-to-deposit ratio, which can provide further insights into its operational efficiency and asset quality.
Notably, BSAC is a subsidiary of Banco Santander, S.A., one of the largest banking groups globally, which may provide access to international markets, expertise, and resources. This affiliation can be a significant advantage for BSAC, enabling it to leverage its parent companys global network and expertise to drive growth and innovation in the Chilean market.
To further evaluate BSACs investment potential, it would be essential to analyze its asset quality, capital adequacy, and liquidity profile, as well as its growth prospects and competitive positioning in the Chilean banking market. Key metrics to examine include the banks non-performing loan ratio, capital adequacy ratio, and liquidity coverage ratio, which can provide a more comprehensive understanding of its financial health and stability.
BSAC Stock Overview
| Market Cap in USD | 12,075m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1994-05-23 |
BSAC Stock Ratings
| Growth Rating | 87.1% |
| Fundamental | 59.5% |
| Dividend Rating | 63.2% |
| Return 12m vs S&P 500 | 15.3% |
| Analyst Rating | 3.0 of 5 |
BSAC Dividends
| Dividend Yield 12m | 5.63% |
| Yield on Cost 5y | 12.41% |
| Annual Growth 5y | -2.99% |
| Payout Consistency | 90.6% |
| Payout Ratio | 41.4% |
BSAC Growth Ratios
| Growth Correlation 3m | 24.8% |
| Growth Correlation 12m | 83.6% |
| Growth Correlation 5y | 66.4% |
| CAGR 5y | 26.87% |
| CAGR/Max DD 3y | 1.30 |
| CAGR/Mean DD 3y | 4.67 |
| Sharpe Ratio 12m | 2.40 |
| Alpha | 0.01 |
| Beta | 0.932 |
| Volatility | 24.63% |
| Current Volume | 240.5k |
| Average Volume 20d | 287.4k |
| Stop Loss | 25.1 (-3.2%) |
| Signal | -0.01 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (1065.34b TTM) > 0 and > 6% of Revenue (6% = 176.76b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.52pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -944.1% (prev -537.1%; Δ -407.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 898.36b <= Net Income 1065.34b (YES >=105%, WARN >=100%) |
| Net Debt (8875.21b) to EBITDA (709.11b) ratio: 12.52 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.06 (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 66.99% (prev 62.26%; Δ 4.73pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.38% (prev 5.61%; Δ -1.23pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.42 (EBITDA TTM 709.11b / Interest Expense TTM 1533.26b) >= 6 (WARN >= 3) |
Altman Z'' -2.60
| (A) -0.42 = (Total Current Assets 1802.03b - Total Current Liabilities 29614.61b) / Total Assets 66188.44b |
| (B) 0.01 = Retained Earnings (Balance) 379.44b / Total Assets 66188.44b |
| (C) 0.01 = EBIT TTM 638.85b / Avg Total Assets 67225.23b |
| (D) 0.07 = Book Value of Equity 4292.44b / Total Liabilities 61562.42b |
| Total Rating: -2.60 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 59.53
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 1.63% = 0.82 |
| 3. FCF Margin 27.72% = 6.93 |
| 4. Debt/Equity 8.93 = -2.50 |
| 5. Debt/Ebitda 56.82 = -2.50 |
| 6. ROIC - WACC (= 0.66)% = 0.83 |
| 7. RoE 24.45% = 2.04 |
| 8. Rev. Trend 35.72% = 2.68 |
| 9. EPS Trend 64.66% = 3.23 |
What is the price of BSAC shares?
Over the past week, the price has changed by +0.35%, over one month by +6.62%, over three months by +6.75% and over the past year by +36.69%.
Is Banco Santander Chile a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BSAC is around 30.73 USD . This means that BSAC is currently undervalued and has a potential upside of +18.51% (Margin of Safety).
Is BSAC a buy, sell or hold?
- 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 | 24.7 | -4.9% |
| Analysts Target Price | 24.7 | -4.9% |
| ValueRay Target Price | 32.5 | 25.3% |
Last update: 2025-09-11 04:33
BSAC Fundamental Data Overview
CCE Cash And Equivalents = 1802.03b CLP (Cash And Short Term Investments, last quarter)
P/E Trailing = 10.9064
P/E Forward = 11.2867
P/S = 0.0052
P/B = 2.5719
P/EG = 2.8229
Beta = 0.549
Revenue TTM = 2946.04b CLP
EBIT TTM = 638.85b CLP
EBITDA TTM = 709.11b CLP
Long Term Debt = 10677.24b CLP (from longTermDebt, last quarter)
Short Term Debt = 29614.61b CLP (from totalCurrentLiabilities, last quarter)
Debt = 40291.85b CLP (Calculated: Short Term 29614.61b + Long Term 10677.24b)
Net Debt = 8875.21b CLP (from netDebt column, last quarter)
Enterprise Value = 49985.03b CLP (11495.21b + Debt 40291.85b - CCE 1802.03b)
Interest Coverage Ratio = 0.42 (Ebit TTM 638.85b / Interest Expense TTM 1533.26b)
FCF Yield = 1.63% (FCF TTM 816.67b / Enterprise Value 49985.03b)
FCF Margin = 27.72% (FCF TTM 816.67b / Revenue TTM 2946.04b)
Net Margin = 36.16% (Net Income TTM 1065.34b / Revenue TTM 2946.04b)
Gross Margin = 66.99% ((Revenue TTM 2946.04b - Cost of Revenue TTM 972.50b) / Revenue TTM)
Tobins Q-Ratio = 11.64 (Enterprise Value 49985.03b / Book Value Of Equity 4292.44b)
Interest Expense / Debt = 1.03% (Interest Expense 414.18b / Debt 40291.85b)
Taxrate = 20.35% (219.75b / 1079.60b)
NOPAT = 508.82b (EBIT 638.85b * (1 - 20.35%))
Current Ratio = 0.06 (Total Current Assets 1802.03b / Total Current Liabilities 29614.61b)
Debt / Equity = 8.93 (Debt 40291.85b / last Quarter total Stockholder Equity 4514.32b)
Debt / EBITDA = 56.82 (Net Debt 8875.21b / EBITDA 709.11b)
Debt / FCF = 49.34 (Debt 40291.85b / FCF TTM 816.67b)
Total Stockholder Equity = 4356.47b (last 4 quarters mean)
RoA = 1.61% (Net Income 1065.34b, Total Assets 66188.44b )
RoE = 24.45% (Net Income TTM 1065.34b / Total Stockholder Equity 4356.47b)
RoCE = 4.25% (Ebit 638.85b / (Equity 4356.47b + L.T.Debt 10677.24b))
RoIC = 3.40% (NOPAT 508.82b / Invested Capital 14973.03b)
WACC = 2.73% (E(11495.21b)/V(51787.06b) * Re(9.45%)) + (D(40291.85b)/V(51787.06b) * Rd(1.03%) * (1-Tc(0.20)))
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
Discount Rate = 9.45% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 64.37% ; FCFE base≈967.71b ; Y1≈635.34b ; Y5≈290.55b
Fair Price DCF = 9741 (DCF Value 4589.29b / Shares Outstanding 471.1m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 64.66 | EPS CAGR: 56.92% | SUE: 4.0 | # QB: 1
Revenue Correlation: 35.72 | Revenue CAGR: -14.54% | SUE: N/A | # QB: None
Additional Sources for BSAC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle