Banco Santander-Chile

BSAC • Banks - Regional

$35.67

▼ -0.19 (-0.53%)

Current price

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

$16.31B

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$35.67

Change-0.53%

Market Cap$16.31B

52W Range23.11 - 37.72

Beta0.24

Gross Margin48.84%

Oper. Margin26.73%

Profit Margin21.92%

Debt/Eq2.83

Current Ratio0.21

Quick Ratio0.21

Revenue 5Y4.85%

Price$35.67

Change-0.53%

Market Cap$16.31B

52W Range23.11 - 37.72

Beta0.24

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$34.50

Target Upside-3.28%

Target Median$34.50

Target Range31.00 - 38.00

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

Analyst sentiment

No vote count available

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: 2.36

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

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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.

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Peers

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Size reflects market cap · color matches the chart line

1Y peer performance

Top performers + selected company

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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