Banco Santander-Chile

BSAC • Banks - Regional

$32.99

— 0.00 (0.00%)

EarningsLatest report: Jun 30, 2026

FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology

Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.

Market Cap

$15.54B

Growth

4.9%

Cash Flow

2/5

Trend

Volatile

Evidence

Stable or improving margins · 21.9%Positive revenue growth · 8.4%Positive free cash flow · 1325.38Reasonable earnings multiple · 12.97High debt level · 2.83

Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$33.00

Change0.00%

Shares Out471.12M

Market Cap$15.54B

52W Range23.11 - 37.72

Beta0.24

P/E12.76

P/S19.01

P/B2.94

P/FCF-64.47

EV/Sales82.41

EV/EBITDA162.96

Price$33.00

Change0.00%

Shares Out471.12M

Market Cap$15.54B

52W Range23.11 - 37.72

Beta0.24

P/E12.76

P/S19.01

P/B2.94

P/FCF-64.47

EV/Sales82.41

EV/EBITDA162.96

EV/FCF-279.48

Earnings Yield7.84%

FCF Yield-1.55%

Dividend Yield0.00%

Gross Margin48.84%

Oper. Margin26.73%

Profit Margin21.92%

Debt/Eq2.83

Current Ratio0.21

Quick Ratio0.21

Revenue 5Y4.85%

FCF 5Y3.03%

Target$31.00

Target Upside-6.05%

Target Median$31.00

Target Range31.00 - 31.00

Volume213.24K

Avg Volume391.55K

EPS Surprise0.01

Investment DNA

How strong this company looks for long-term investors

out of 100

Business Quality

Margins, moat, returns

85/100

Financial Strength

Debt, cash, stability

20/100

Growth Potential

Revenue and expansion

91/100

Price Attractiveness

Cheap or expensive today

75/100

Why this score▼

Stable or improving margins · 21.9%Positive revenue growth · 8.4%Positive free cash flow · 1325.38Reasonable earnings multiple · 12.97High debt level · 2.83Weak liquidity · 0.21

Analyst view

Analyst sentiment and price target

BSAC

Analyst sentiment

Based on 12 analyst votes · 2026-10-20

58/100

Neutral

Bullish

Hold

Bearish

Price Target

2026-08-02

Low

$31.00

Mean

$34.50

Median

$34.50

High

$38.00

Company Overview

IPO: 10/31/1994

Industry: Banks - Regional

P/B i: 2.94

Debt / Equity i: 2.83

Operating Margin: 26.73%

Net Margin: 21.92%

ROE i: -

ROIC: -

Financial Health

Score4 / 20

Debt / Equity: 2.83

Current Ratio: 0.21

Quick Ratio: 0.21

Status: HighRisk

Warnings

High debt level
Weak Liquidity
Weak quick ratio

🧾

No insider activity

No recent insider transactions available.

About the Company

Banco Santander-Chile

Banco Santander-Chile, along with its affiliated entities, operates as a prominent financial institution in Chile, delivering a comprehensive array of commercial and retail banking solutions. Its business operations are structured into distinct segments: Retail Banking, Middle-Market, Corporate Investment Banking, and internal Corporate Activities. The bank offers a diverse portfolio of financial products, including debit and credit cards, checking accounts, and various savings options. It provides numerous lending solutions, such as consumer, automobile, general commercial, and mortgage loans, some of which are government-guaranteed. Furthermore, the company extends loans denominated in both Chilean pesos and foreign currencies to facilitate various commercial transactions, international trade, foreign currency forward contracts, and credit lines, alongside specialized mortgage financing services. Beyond traditional banking, Banco Santander-Chile provides an extensive suite of additional services. These encompass mutual funds, insurance and securities brokerage, foreign exchange services, financial leasing, factoring, financial consulting and advisory, investment management, foreign trade support, treasury management, and transactional services. It also offers specialized financing for real estate development projects. The institution's offerings further include short-term financing, capital raising, general brokerage, and sophisticated financial instruments such as derivatives, securitization, and other customized financial products. Its broad client base spans individual consumers, small and medium-sized enterprises (SMEs), larger corporations, universities, national government entities, and local and regional administrative bodies. As of December 31, 2021, the bank maintained a robust physical presence, operating 326 branches. This network included 220 under the primary Santander brand, 14 distinguished as Select branches, 7 specialized locations catering to the middle market, and 22 designated as auxiliary and payment centers. These were complemented by 1,338 ATMs, many of which offered deposit functionalities. Banco Santander-Chile was established in 1977 and is headquartered in Santiago, Chile.

Source - link

Peers

BCH CIB EWBC FHN FITB RF VLY WF

Size reflects market cap · color matches the chart line

1Y peer performance

Top performers + selected company

Latest news

MetroCity Bankshares (NASDAQ:MCBS) vs. Banco Santander Chile (NYSE:BSAC) Head-To-Head Review

Banco Santander Chile (NYSE: BSAC - Get Free Report) and MetroCity Bankshares (NASDAQ: MCBS - Get Free Report) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their valuation, risk, analyst recommendations, dividends, earnings, profitability and institutional ownership. Dividends Banco Santander Chile pays an annual

Defense World

Banco Santander-Chile's 2026 Outlook: Efficiency Ratio Improves to 30.8% as the Bank Remains Resilient Amid a Sluggish Economy

The bank maintains a strong competitive moat through its dominant market share in Chile. Efficiency gains from digital transformation have significantly improved the bank's bottom-line profitability.

The Motley Fool

Banco Santander Chile (NYSE:BSAC) & Zions Bancorporation, N.A. (NASDAQ:ZION) Head-To-Head Review

Banco Santander Chile (NYSE: BSAC - Get Free Report) and Zions Bancorporation, N.A. (NASDAQ: ZION - Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their valuation, profitability, dividends, analyst recommendations, institutional ownership, earnings and risk. Insider and Institutional Ownership 6.4% of

Defense World

Banco Santander Chile: Third Quarter 2026 Analyst and Investor Webcast / Conference Call

SANTIAGO, Chile, Sept. 25, 2026 (GLOBE NEWSWIRE) -- You are cordially invited to participate in Banco Santander Chile's (NYSE: BSAC) conference call-webcast on Wednesday November 4, 2026, at 11.00 AM Chile time (9.00 AM ET) where we will discuss 3Q 2026 financial results. The Bank's Officers participating in the conference call are: Patricia Pérez, CFO, Cristian Vicuña, Chief Strategy Officer & Head of IR and Andres Sansone, Chief Economist. A question and answer session will follow the presentation.

GlobeNewsWire

Critical Survey: Zions Bancorporation, N.A. (NASDAQ:ZION) and Banco Santander Chile (NYSE:BSAC)

Zions Bancorporation, N.A. (NASDAQ: ZION - Get Free Report) and Banco Santander Chile (NYSE: BSAC - Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, profitability, risk, valuation and earnings. Dividends Zions Bancorporation, N.A. pays an

Defense World

Earnings Surprises

Period	Estimate	Actual	Surprise
2026-04-30	0.62	0.63	0.01
2026-01-30	0.59	0.59	0
2025-10-30	0.594	0.5	-0.094
2025-07-31	0.62	0.6	-0.02
2025-04-30	0.55	0.61	0.06
2025-01-31	0.66	0.61	-0.05
2024-10-30	0.67	0.55	-0.12
2024-07-31	0.5	0.49	-0.01
2024-04-30	0.36	0.27	-0.09
2024-02-02	0.42	0.43	0.01
2023-10-31	0.44	0.14	-0.3
2023-08-04	0.35	0.34	-0.01