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Banco Santander-Chile (BSAC)
Price$30.98
Value ScoreD
Growth ScoreD
Momentum ScoreD
Favorite Metrics
Price vs S&P 500 (26W)-13.79%
Price vs S&P 500 (4W)-7.68%
VGM Score31.77
Market Capitalization$15.09B
P/E Ratio (Annual)12.78x
Indicated Dividend Yield (Annual)4.79%
All Metrics
P/CF (Annual)28.51x
Book Value / Share (Quarterly)$0.03
P/TBV (Annual)2.90x
Revenue Growth (3Y)20.75%
Cash Flow / Share (Quarterly)$0.00
Payout Ratio (TTM)220.26%
Price vs S&P 500 (YTD)-11.66%
Net Profit Margin (TTM)19.02%
EPS (TTM)$0.01
10-Day Avg Trading Volume155.81M
EPS Excl Extra (TTM)$0.01
Revenue Growth (5Y)14.70%
EPS (Annual)$0.01
Dividend / Share (Annual)$0.00
ROI (Annual)4.91%
Net Profit Margin (5Y Avg)28.03%
Cash / Share (Quarterly)$0.02
P/E Basic Excl Extra (TTM)12.83x
Revenue Growth QoQ (YoY)-9.46%
EPS Growth (5Y)15.27%
P/E Normalized (Annual)12.78x
ROA (Last FY)1.55%
Revenue Growth TTM (YoY)15.85%
EBITD / Share (TTM)$0.02
ROE (5Y Avg)19.21%
Operating Margin (TTM)20.34%
Cash Flow / Share (Annual)$0.00
P/B Ratio2.84x
P/B Ratio (Quarterly)3.05x
Net Income / Employee (Annual)$125,766
ROA (TTM)1.54%
EPS Growth QoQ (YoY)-1.66%
EV / EBITDA (TTM)21.89x
EPS Incl Extra (Annual)$0.01
3-Month Avg Trading Volume165.85M
52-Week Price Return31.29%
EV / Free Cash Flow (Annual)83.80x
P/E Incl Extra (TTM)12.83x
Tangible BV / Share (Quarterly)$0.03
P/S Ratio (Annual)3.07x
52-Week High$80.68
Operating Margin (5Y Avg)34.28%
EPS Excl Extra (Annual)$0.01
CapEx CAGR (5Y)10.06%
Tangible BV CAGR (5Y)5.84%
26-Week Price Return2.15%
13-Week Price Return-9.27%
Total Debt / Equity (Annual)3.54x
Enterprise Value$33.81B
Revenue / Share Growth (5Y)4.87%
Book Value / Share Growth (5Y)5.75%
Revenue / Employee (Annual)$297,258,980,832
Pretax Margin (Annual)35.55%
Cash / Share (Annual)$0.01
3-Month Return Std Dev28.04%
Net Income / Employee (TTM)$125,216
EBITDA CAGR (5Y)18.96%
EBITDA Interim CAGR (5Y)16.89%
ROE (Last FY)22.32%
EPS Basic Excl Extra (Annual)$0.01
P/FCF (TTM)27.91x
EV / Free Cash Flow (TTM)62.55x
Total Debt / Equity (Quarterly)3.52x
EPS Incl Extra (TTM)$0.01
ROI (TTM)4.80%
Dividend Growth Rate (5Y)12.63%
P/S Ratio (TTM)3.42x
Pretax Margin (5Y Avg)34.28%
Revenue / Share (Annual)$0.02
Tangible BV / Share (Annual)$0.03
Forward P/E11.38x
Free OCF CAGR (5Y)-11.63%
Price vs S&P 500 (52W)27.27%
P/E Ratio (TTM)12.83x
EPS Growth TTM (YoY)3.30%
Year-to-Date Return-1.55%
5-Day Price Return-2.21%
EPS Normalized (Annual)$0.01
ROA (5Y Avg)1.18%
Net Profit Margin (Annual)32.07%
Month-to-Date Return-2.71%
Cash Flow / Share (TTM)$0.00
EBITD / Share (Annual)$0.01
EPS Growth (3Y)9.21%
Operating Margin (Annual)35.55%
LT Debt / Equity (Annual)1.82x
P/CF (TTM)23.34x
ROI (5Y Avg)3.63%
P/E Excl Extra (TTM)12.83x
LT Debt / Equity (Quarterly)1.84x
EPS Basic Excl Extra (TTM)$0.01
P/TBV (Quarterly)3.10x
Payout Ratio (Annual)57.00%
P/B Ratio (Annual)2.84x
Dividend / Share (TTM)$0.00
Pretax Margin (TTM)20.34%
Book Value / Share (Annual)$0.03
Price vs S&P 500 (13W)-19.01%
Net Margin Growth (5Y)2.39%
Dividend Yield (TTM)4.46%
Beta0.78x
P/FCF (Annual)37.39x
Revenue / Share (TTM)$0.01
ROE (TTM)22.59%
52-Week Low$52.00
vGradeD
gGradeD
mGradeD
vgmGradeD
Show chart for
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
2.60
2.60
3.69
3.75
Industry Peers — Commercial Banks(63)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
BSACBanco Santander-Chile | D | D | D | $30.98 |
| RYRoyal Bank of Canada | D | C | B | $188.56 |
| MUFGMitsubishi UFJ Financial Group, Inc. | C | B | B | $18.89 |
| TDToronto Dominion Bank | D | C | A | $110.73 |
| SANBanco Santander S.A. | B | C | C | $12.34 |
| SMFGSumitomo Mitsui Financial Group, Inc American Depositary Shares (each representing 3/5th of a share of common stock) | D | B | C | $22.13 |
| BBVABanco Bilbao Vizcaya Argentaria, S.A. | C | C | C | $23.17 |
| HDBHDFC Bank Limited | D | C | F | $23.60 |
| BMOBank of Montreal | C | B | B | $162.62 |
| CMCanadian Imperial Bank of Commerce | C | B | B | $105.98 |
| IBNICICI Bank Limited | D | C | F | $25.75 |
About
Banco Santander Chile is Chile's largest bank by loans and second largest by deposits, with approximately 65% of revenue derived from mortgages, consumer credit, and commercial loans. The bank focuses on small- and medium-sized enterprises, with large firms exceeding CLP 10 billion in revenue representing only ~5% of its loan portfolio. Santander Chile is the country's leading card issuer (approximately 25% market share) and maintains a strategic partnership with LATAM, providing diversified revenue streams and competitive advantages in Chile's banking sector.