Banco Santander-Chile BSAC FINANCIAL
Company Overview
Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other segments. The company provides checking accounts and savings products; debit and credit cards; consumer, auto, commercial, mortgage, and government-guaranteed loans; and Chilean peso and foreign currency denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines, as well as mortgage financing services. It offers mutual fund management, insurance and securities brokerage, foreign exchange services, financial leasing, financial consulting and advisory, investment management, foreign trade, leasing, factoring, treasury, and transactional services, as well as specialized services to finance residential projects. In addition, the company offers short-term financing and funding, and brokerage services, as well as derivatives, securitization, and other products; and manages capital allocations. Further, it provides health, life, travel, automobile, and unemployment insurance products; personal and corporate protection products; guarantees; international investment accounts, structured funds, and alternative investment funds; and wealth management and open architecture, asset management, and private banking services. It serves individuals, small to middle-sized companies, and other companies, as well as universities, government agencies, municipalities, regional governments, and construction and real estate companies. The company was incorporated in 1977 and is headquartered in Santiago, Chile. Banco Santander-Chile is a subsidiary of Banco Santander, S.A.
Why Investors Should Care
Generates a return on equity of 23.6%, reflecting efficient use of shareholder capital.
Trades at an undemanding P/E of 13.9.
Maintains a net profit margin of 47.2%.
Offers a dividend yield of 4.17%.
Recent Developments
- Dec 2025 Revenue of $2.85T (+9.9% YoY); net profit $1.02T.
- Trailing 12 Months Year-on-year growth — revenue +20.2%, earnings +40.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 9.0%, profit CAGR 8.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 8.96% |
| 1 Year: | 20.20% |
Compounded Profit Growth
| 5 Years: | 8.85% |
| 1 Year: | 40.00% |
Stock Price Performance
| 1 Year: | +52.13% |
| 6 Months: | +15.82% |
| 3 Months: | +18.58% |
| 1 Month: | +1.11% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)55.83 · Neutral
P/E of 13.89 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 23.6%.
- Excellent profit margin of 47.2%.
- Attractive dividend yield of 4.17%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BSAC Banco Santander-Chile FINANCIAL | 35.55 | 13.89 | $16.75B | 4.17% | - | 23.59% | 8.96% | 8.85% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 732.32B | 490.46B | 1.25T | 732.20B | 831.74B |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | - | 418.40B | 422.90B | 553.45B | 374.79B | 394.46B |
| Pretax Income | - | - | 326.64B | 304.48B | 279.77B | 336.39B | 450.96B |
| Tax Provision | - | - | 49.82B | 53.61B | 51.13B | 55.91B | 59.14B |
| Net Income | - | - | 272.56B | 247.51B | 223.78B | 273.19B | 382.57B |
| Diluted EPS | - | - | 578.54 | 520.00 | 560.00 | 560.00 | 812.05 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 2.20T | 1.91T | 2.60T | 2.85T |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 2.52T | 3.31T | 2.31T | 1.81T |
| Pretax Income | - | 901.11B | 691.38B | 1.08T | 1.25T |
| Tax Provision | - | 93.62B | 97.55B | 219.75B | 207.36B |
| Net Income | - | 792.28B | 579.43B | 852.96B | 1.02T |
| Diluted EPS | - | 1,681.60 | 1,053.68 | 1,820.00 | 2,168.40 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 68.42T | 70.78T | 68.40T | 68.15T |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 5.27T | 5.78T | 5.12T | 5.24T |
| Inventory | - | - | - | - | - |
| Receivables | - | 184.99B | 199.75B | 209.71B | 99.44B |
| Total Liabilities | - | 63.46T | 65.44T | 63.04T | 62.41T |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | 12.18T | 14.13T | 14.38T | 13.08T |
| Total Debt | - | 12.32T | 14.24T | 14.45T | 13.12T |
| Total Equity | - | 4.85T | 5.22T | 5.25T | 5.62T |
| Shares Outstanding | - | 188.45B | 188.45B | 188.45B | 188.45B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -358.99B | 1.32T | 482.39B | 55.41B |
| Investing Cash Flow | - | -94.60B | -117.85B | -106.58B | -104.94B |
| Financing Cash Flow | - | -384.32B | -515.29B | -372.85B | -621.10B |
| Capital Expenditure | - | -113.29B | -119.49B | -107.72B | -137.53B |
| Free Cash Flow | - | -472.28B | 1.20T | 374.67B | -82.12B |
| Net Change in Cash | - | -837.91B | 682.62B | 2.96B | -670.64B |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 35.9% | 30.3% | 32.9% | 35.8% |
| ROE % | - | 16.3% | 11.1% | 16.2% | 18.2% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Franklin Resources, Inc. | 0.74% | 3.46M | $117.19M |
| 2 | INCA Investments, LLC | 0.41% | 1.94M | $65.75M |
| 3 | USS Investment Management Ltd. | 0.33% | 1.56M | $52.84M |
| 4 | Vanguard Capital Management LLC | 0.31% | 1.45M | $49.10M |
| 5 | Blackrock Inc. | 0.29% | 1.38M | $46.60M |
| 6 | Robeco Institutional Asset Management B.V. | 0.26% | 1.20M | $40.75M |
| 7 | Allspring Global Investments Holdings, LLC | 0.23% | 1.10M | $37.12M |
| 8 | Itau Unibanco Holding, S.A. | 0.15% | 691.76K | $23.41M |
| 9 | Dimensional Fund Advisors LP | 0.14% | 672.13K | $22.74M |
| 10 | TT International Asset Management LTD | 0.13% | 617.13K | $20.88M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for BSAC
Nykredit A S Invests $1.41 Million in Banco Santander Chile $BSAC - marketbeat.com
<a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxORmlIN21ieDRMTzlxeDdjS3Q1dEFvM2ZaelhFU3B3ZktkN2RSVTJUdW1rLWQ0TzBZRExjc3loUE9xd3l4NHpLeE0zVXBob0RBd0VYSkFSX0VENGZaalVQd2lBam9zU1JTZ05QRXAyeVpmMlFfcE9VRXEwSnJQRDJIeWx6VGZwd3JYYXVsS1…
Why Banco Santander-Chile (BSAC) is a Great Dividend Stock Right Now - finance.yahoo.com
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Banco Santander-Chile (NYSE: BSAC) prices $15M SOFR-linked bond - Stock Titan
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Banco Santander-Chile (BSAC) Could Be a Great Choice - Eastern Progress
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Banco Santander Chile (NYSE:BSAC) Given Average Recommendation of "Hold" by Brokerages - marketbeat.com
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Banco Santander-Chile Issues CHF 100 Million EMTN Bond in Swiss Market - The Globe and Mail
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BSAC — Frequently Asked Questions
What is the current share price of Banco Santander-Chile (BSAC)?
As of 2026-09-19 21:16 PDT, Banco Santander-Chile (BSAC) trades at $35.55 on NYSE. Its 52-week range is $22.40 to $36.15.
What is the market capitalisation of BSAC?
Banco Santander-Chile (BSAC) has a market capitalisation of $16.75B on NYSE.
What is the P/E ratio of BSAC?
BSAC trades at a trailing price-to-earnings (P/E) ratio of 13.89. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.45.
Does BSAC pay a dividend?
Banco Santander-Chile (BSAC) currently offers a dividend yield of 4.17%.
What is the return on equity (ROE) of BSAC?
BSAC has a return on equity (ROE) of 23.59%.
Is BSAC a good stock to buy?
This page provides a data-driven analysis of Banco Santander-Chile (BSAC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.