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Banco Santander Chile

BSAC Financial Banks Regional

Banco Santander Chile’s revenue for fiscal 2025 (year ended December 2025) was $5.1 billion, down 5.02% from fiscal 2024.

Revenue
+6.76%
EPS
+50.0%
Free cash flow
+440.0%
Total debt
−11.1%

Quarter to June 2026, against a year earlier

32.44 0.63 −1.91%
Market cap
$15.2B
P/E
12.4×
Fwd P/E
—
Dividend yield
4.57%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 15,230.00
Revenue ttm 5,277.95
Net income ttm 414.57
Free cash flow ttm 77.81
Net debt Q (5,478.05)
Valuation
P/E 12.38
Forward P/E —
Price / sales 2.87
Forward P/S Powerpack
Price / FCF 194.95
Price / book 2.68
Financial health
Current ratio Q 1.72
Debt / equity Q 2.06
Interest coverage Q —
Growth
Revenue growth Q +6.76% (above 0%: growing)
Operating income growth Q +37.67% (above 0%: growing)
EPS, this year +5.23%
EPS, next year A +4.34%
Revenue, next year A —
EPS, past 5 yrs +10.00%
EPS, next 5 yrs A +6.01%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 37.70%
10-year low 10-year high
P/S against its own 10 years 59.74%
10-year low 10-year high
P/B against its own 10 years 72.17%
10-year low 10-year high

Dividends raised 2 years running

Yield
4.57%
Annual rate
1.48
Payout ratio
56.6%
Growth, 2018–26
+0.02%/yr
  1. 1.48 ’18
  2. 1.11 ’19 −25
  3. 0.88 ’20 −20
  4. 0.93 ’21 +5
  5. 1.14 ’22 +23
  6. 1.27 ’23 +12
  7. 0.77 ’24 −39
  8. 1.33 ’25 +72
  9. 1.48 ’26 +11
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 16,386 17,136 15,916 17,140
Receivables — — — —
Inventory — — — —
Other — — — —
63,981 61,280 59,597 61,188
2023 2024 2025 Q'26
Payables 35,611 34,495 33,626 35,630
ST’ Debt — — — —
Other — — — —
35,611 34,495 33,626 35,630

Compound Annual Growth %

10y 5y 3y
Sales 3.88% 8.18% (0.44%)
Cash Flow (24.19%) 0.00% 0.00%
Earnings 5.90% 9.56% 8.85%
Book Value 4.77% 5.55% 4.94%

Earnings Trends EPS, adjusted, against the consensus

Sep 2026 Estimate 0.65 Actual 0.52

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Dec 2025 0.59 0.59 Met by 0.00
Mar 2026 0.62 0.63 Beat by 0.01
Jun 2026 0.67 0.90 Beat by 0.23
Sep 2026 0.65 0.52 Miss by 0.13
Dec 2026 0.73 — Reports 29 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.63 0.90 — — —
’25 0.61 0.60 0.50 0.59 2.48
’24 0.26 0.49 0.58 0.61 1.88
’23 0.36 0.34 0.14 0.63 1.48
’22 0.64 0.66 0.41 0.09 1.96
’21 0.54 — 0.46 — 2.32
’20 0.36 0.59 0.28 0.29 1.54
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 1,221 1,351 — — —
’25 1,148 1,265 1,128 1,578 5,120
’24 1,338 1,287 1,291 1,475 5,390
’23 1,479 1,691 1,454 1,631 6,255
’22 1,050 1,439 1,315 1,384 5,188
’21 1,015 — 992 — 4,398
’20 893 1,682 685 195 3,455
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 107 — — — —
’25 (7) 117 311 (360) 61
’24 (294) (372) 894 302 531
’23 797 76 (595) 1,301 1,579
’22 1,313 (249) (944) (515) (395)
’21 873 6,213 3,680 — (763)
’20 (409) 3 (586) (74) (1,066)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 102 — — — —
’25 (30) 93 301 (419) (54)
’24 (315) (393) 879 243 413
’23 782 58 (635) 1,230 1,435
’22 1,304 (266) (966) (571) (499)
’21 854 6,197 3,607 — (873)
’20 (414) (18) (605) (120) (1,157)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 3,300 3,794 4,261 3,952 3,455 4,398 5,188 6,255 5,390 5,120 5,278 +5.0% — — — —
Gross margin, % 66.29 71.07 68.84 67.96 75.98 67.20 46.65 36.49 52.90 61.13 62.83 (5.2) pt
EBT 764 1,080 1,227 1,113 904 1,396 991 830 1,188 1,370 1,542 +6.7%
EBT margin, % 23.14 28.48 28.79 28.15 26.16 31.75 19.10 13.26 22.03 26.76 29.22 +3.6 pt
Net income 622 863 960 870 719 1,108 888 713 946 1,142 415 +7.0%
Per share, $
Per share, $ Revenue 7.00 8.05 9.05 8.39 7.33 9.34 11.01 13.28 11.44 10.87 11.29 +5.0%
Earnings 1.31 1.94 2.02 1.84 1.54 2.32 1.96 1.48 1.88 2.48 2.62 +7.3%
Cash flow 2.03 (1.33) 3.47 5.50 (2.26) (1.62) (0.84) 3.35 1.13 0.13 0.00 (26.4%)
Capex (0.25) (0.23) (0.31) (0.22) (0.19) (0.23) (0.22) (0.31) (0.25) (0.24) 0.00 0.0%
Free cash flow 1.79 (1.56) 3.16 5.27 (2.46) (1.85) (1.06) 3.05 0.88 (0.12) 0.00 n/m
Book value 8.11 10.02 11.02 10.34 10.22 12.22 11.59 13.61 12.51 13.39 12.09 +5.7%
Shares, m 471 471 471 471 471 471 471 471 471 471 470 0.0%
Valuation, ×
Valuation, × P/E 16.50 13.98 14.88 13.90 12.55 10.40 8.50 13.19 9.72 13.53 12.38 12.7
P/S 3.14 4.02 3.31 2.75 2.59 2.66 1.39 1.46 1.65 2.86 2.87 2.6
P/B 2.71 3.23 2.71 2.23 1.86 1.75 1.32 1.43 1.51 2.32 2.68 2.1
EV/Sales 3.21 2.04 4.92 2.64 3.38 3.28 1.72 2.37 1.01 2.15 — 2.7
EV/FCF 12.59 (10.52) 14.08 4.20 (10.10) 0.90 (17.85) 10.32 13.23 (201.63) — (18.5)
Cash, $m
Cash, $m Operating cash flow 957 (625) 1,636 2,589 (1,066) (763) (395) 1,579 531 61 175 (26.4%)
Capex (116) (110) (147) (105) (91) (110) (104) (144) (117) (115) (97) 0.0%
Free cash flow 841 (735) 1,489 2,484 (1,157) (873) (499) 1,435 413 (54) 78 n/m
Balance, $m
Balance, $m Working capital 19,231 22,009 21,100 28,951 26,847 27,318 27,512 28,370 26,785 25,971 25,558 +3.4%
Net debt 227 (7,518) 6,891 (431) 2,744 4,881 1,684 5,655 (3,417) (3,669) (5,478) n/m
Shareholders’ equity 3,820 4,722 5,193 4,870 4,816 5,756 5,460 6,411 5,895 6,310 5,652 +5.7%
Returns, %
Returns, % ROA 1.28 1.66 1.64 1.30 0.99 1.41 1.10 0.87 1.17 1.50 1.69 +0.2 pt
ROIC 11.80 0.00 6.35 15.72 7.48 8.20 8.67 4.31 29.99 32.52 554.73 +20.7 pt
ROE 15.91 19.77 19.21 17.23 14.70 20.72 15.54 11.71 15.25 18.42 23.60 +2.5 pt
People
People Employees 11,354 11,068 11,305 11,200 10,470 9,988 9,389 9,229 8,757 8,526 — (3.1%)
Revenue/emp, $m 0.29 0.34 0.38 0.35 0.33 0.44 0.55 0.68 0.62 0.60 — +8.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Banco Santander Chile vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
KEY KeyCorp $22.1B 11.5× 11.2× +1.55% (above 0%: growing) +24.39% (above 0%: growing) +85.68% (above 0%: growing) 71.05% 0.00% Compare
BCH Banco De Chile $19.6B 14.0× 14.3× +11.52% (above 0%: growing) +4.13% (above 0%: growing) +134.20% (above 0%: growing) 75.90% 0.00% Compare
BSBR Banco Santander Brasil SA $17.7B 6.2× — +14.98% (above 0%: growing) −5.56% (below 0%: shrinking) +274.78% (above 0%: growing) 40.57% 0.00% Compare
EWBC East West Bancorp, Inc. $17.7B 12.2× 12.2× −0.14% (below 0%: shrinking) +4.91% (above 0%: growing) +112.58% (above 0%: growing) 66.97% 0.00% Compare
WF Woori Bank $16.8B 7.7× — +37.39% (above 0%: growing) +12.90% (above 0%: growing) −106.07% (below 0%: shrinking) 57.49% 0.00% Compare
PNFP Pinnacle Financial Partners, Inc. $15.3B 13.5× 13.0× +126.12% (above 0%: growing) +9.55% (above 0%: growing) −3.18% (below 0%: shrinking) 66.77% 0.00% Compare
BSAC Banco Santander Chile $15.2B 12.4× — +6.76% (above 0%: growing) +50.00% (above 0%: growing) +440.00% (above 0%: growing) 67.88% 0.00%
BBD Banco Bradesco SA $14.0B 5.5× 5.2× +16.65% (above 0%: growing) +44.44% (above 0%: growing) +1,455.10% (above 0%: growing) 34.57% 0.00% Compare
FHN First Horizon Corporation $11.0B 16.4× 16.5× −39.55% (below 0%: shrinking) n/m +664.86% (above 0%: growing) 52.50% 0.00% Compare
Median of peers $17.2B 11.8× 12.6× +13.25% +9.55% +123.39% 62.13% 0.00%

All 327 Banks Regional stocks →

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BSAC metrics, ten years each

stockrow.com/BSAC · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com