Banco Santander Chile BSAC

34.37 0.59 1.75% as of 25 Sep
Market cap
$15.9B
P/E
13.1×

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios

Market Cap 15,910.00
Revenue 5,277.95
Net Income 414.57
Free Cash Flow 77.81
Net Debt (5,478.05)
Current Ratio 1.72
Debt/Equity 2.06
P/E ratio 13.12
P/S ratio 3.04
P/B ratio 2.84
Past 5Y EPS Growth 2.86%
This Y EPS Growth 8.68%
Next Y EPS Growth 4.54%
Next 5Y EPS Growth 7.29%
in millions of $

Dividends

Payout Ratio 0.89
Annual Dividend Rate 1.25
Annual Dividend Yield 4.78%
total individual payouts
2025 1.33
1.33
2024 0.77
0.77
2023 1.27
1.27
2022 1.14
1.14
2021 0.93
0.93
2020 0.88
0.42
0.47
2019 1.11
1.11
2018 1.48
1.48
2017 1.04
1.04
2016 1.08
1.08
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

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
in millions of $

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%

Revenue

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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

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)
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

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)
in millions of $ · fiscal quarters ending in the months shown

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 1.27
’22 0.64 0.66 0.41 0.09 1.96
’21 0.54 — 0.46 — 1.93
’20 0.36 0.59 0.28 0.29 1.54
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.7
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
15.69 21.21 28.67 20.78 11.43 15.37 13.37 15.32 17.73 18.19

Analyst estimates 2026–2028

Powerpack
Low Price
23.50 32.29 35.09 32.97 24.37 26.15 22.95 21.81 21.43 31.67
High Price
11,354 11,068 11,305 11,200 10,470 9,988 9,389 9,229 8,757 8,526
Employees
0 0 0 0 0 0 1 1 1 1
Revenue/Emp
3,300 3,794 4,261 3,952 3,455 4,398 5,188 6,255 5,390 5,120
Revenue
66.29% 71.07% 68.84% 67.96% 75.98% 67.20% 46.65% 36.49% 52.90% 61.13%
Gross Margin
764 1,080 1,227 1,113 904 1,396 991 830 1,188 1,370
EBT
23.14% 28.48% 28.79% 28.15% 26.16% 31.75% 19.10% 13.26% 22.03% 26.76%
EBT Margin
622 863 960 870 719 1,108 888 713 946 1,142
Net Income
85 117 127 149 142 159 135 173 156 149
Depreciation
7.00 8.05 9.05 8.39 7.33 9.34 11.01 13.28 11.44 10.87
Revenue/Sh
1.51 1.94 1.80 1.57 1.54 1.93 1.96 1.27 1.88 2.48
Earnings/Sh
2.03 (1.33) 3.47 5.50 (2.26) (1.62) (0.84) 3.35 1.13 0.13
Cash Flow/Sh
(0.25) (0.23) (0.31) (0.22) (0.19) (0.23) (0.22) (0.31) (0.25) (0.24)
Capex/Sh
1.79 (1.56) 3.16 5.27 (2.46) (1.85) (1.06) 3.05 0.88 (0.12)
Free CF/Sh
8.11 10.02 11.02 10.34 10.22 12.22 11.59 13.61 12.51 13.39
Book Value/Sh
471 471 471 471 471 471 471 471 471 471
Shares
16.50 13.98 14.88 13.90 12.55 10.40 8.50 13.19 9.72 13.53
PE Ratio
3.14 4.02 3.31 2.75 2.59 2.66 1.39 1.46 1.65 2.86
PS Ratio
2.71 3.23 2.71 2.23 1.86 1.75 1.32 1.43 1.51 2.32
PB Ratio
3.21 2.04 4.92 2.64 3.38 3.28 1.72 2.37 1.01 2.15
EV/Sales
12.59 (10.52) 14.08 4.20 (10.10) 0.90 (17.85) 10.32 13.23 (201.63)
EV/FCF
957 (625) 1,636 2,589 (1,066) (763) (395) 1,579 531 61
Op' Cash Flow
(116) (110) (147) (105) (91) (110) (104) (144) (117) (115)
Capex
841 (735) 1,489 2,484 (1,157) (873) (499) 1,435 413 (54)
FCF
19,231 22,009 21,100 28,951 26,847 27,318 27,512 28,370 26,785 25,971
Working Cap'
12,016 3,612 15,846 16,829 18,893 22,391 17,634 22,041 13,718 12,247
Total Debt
227 (7,518) 6,891 (431) 2,744 4,881 1,684 5,655 (3,417) (3,669)
Net Debt
3,820 4,722 5,193 4,870 4,816 5,756 5,460 6,411 5,895 6,310
Sh' Equity
1.28% 1.66% 1.64% 1.30% 0.99% 1.41% 1.10% 0.87% 1.17% 1.50%
ROA
11.80% 0.00% 6.35% 15.72% 7.48% 8.20% 8.67% 4.31% 29.99% 32.52%
ROIC
15.91% 19.77% 19.21% 17.23% 14.70% 20.72% 15.54% 11.71% 15.25% 18.42%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Banco Santander Chile peers in Banks Regional

All 325 Banks Regional stocks →

Banco Santander Chile (BSAC) key facts

  • Banco Santander Chile (BSAC) is a Banks Regional company in the Financial sector, traded in the US as an ADR.
  • Banco Santander Chile’s revenue for fiscal 2025 (year ended December 2025) was CLP 5.1 billion, down 5.02% from fiscal 2024.
  • As of September 25, 2026, BSAC traded at $34.37, a market capitalization of $15.9 billion.
  • Banco Santander Chile pays an annual dividend of $1.25 per share, a yield of 4.78%, with a payout ratio of 89.0%.
  • Return on equity was 18.4% and debt-to-equity 2.06.

Source: company filings (standardised) and stockrow calculations.

Banco Santander Chile (BSAC) Latest News

News by impact score

Fine-tune

25 Sep

3

Banco Santander Chile announced a conference call-webcast to discuss 3Q 2026 results on Nov. 4, 2026 at 11:00 Chile time (9:00 ET). CFO Patricia Pérez, Chief Strategy Officer & IR head Cristian Vicuña, and Chief Economist Andres Sansone will participate; a Q&A session will follow. The Management Commentary report will be published Oct. 30, 2026 before the market opens, with the quiet period starting Oct. 16. Webcast slides are at https://mm.closir.com/slides?id=720987; dial-in numbers are provided for UK, US, Chile and other countries; passcode 720987. Please dial in about 10 minutes early. Contacts: Cristian Vicuña, Rowena Lambert, Claudia Villalon. As of June 30, 2026, Santander Chile reported assets of CLP 70,323,331 million (US$76,348m), gross loans of CLP 41,426,628 million (US$44,976m), deposits of CLP 32,390,791 million (US$35,166m), equity of CLP 4,974,214 million (US$5,400m); BIS ratio 16.6%, core 11.1%; 8,315 employees and 224 branches. Near-term investor sentiment may be affected by the quarterly results call, but no transformative strategic changes are indicated.

14 Sep

4

Santander announces US$800 million investment plan in Chile at ChileDay Madrid 2026. US$800 million investment plan signals major capital commitment with direct effect on Chilean operations and growth trajectory.

11 Aug

4

Banco Santander Chile reported record profitability in its Q2 2026 earnings call. Record profitability signals strong financial results likely to boost stock performance and investor outlook.

3

Banco Santander Chile and LATAM Pass have renewed their long-standing partnership, enhancing the loyalty program's leadership in Chile. This alliance aims to provide customers with improved benefits and rewards, solidifying their positions in the competitive market. The renewal of the alliance is expected to moderately influence customer engagement and loyalty, impacting financial performance.

5 Aug

3

Banco Santander Chile Q2 earnings call highlighted financial results including net income, loan growth, deposit trends, and management outlook on operations and competitive position. Quarterly earnings data directly informs assessments of profitability and near-term trajectory.

29 Jul

3

Banco Santander-Chile reported strong second quarter 2026 results driven by continued customer growth, higher profitability and solid capital levels. Strong quarterly earnings with customer growth and profitability gains point to moderately positive effects on near-term financial performance and market sentiment.

9 May

4

Banco Santander Chile Q1 earnings call highlights key financial results, including net profit, revenue growth, asset quality, and strategic outlook amid economic challenges. Q1 earnings highlights detail financial performance and guidance that significantly influence stock price and investor expectations.

6 May

3

Banco Santander-Chile (BSAC) shares dropped 8.3% over the past four weeks, creating a buy-the-dip opportunity due to strong fundamentals and undervaluation. Buy-the-dip recommendation amid recent decline highlights potential recovery in financial performance and investor sentiment.

30 Apr

4

Banco Santander-Chile announced first quarter 2026 earnings. Quarterly earnings announcements deliver key financial results that significantly impact stock performance and investor sentiment.

16 Feb

4

Banco Santander Chile reported strong net income growth in Q4 2025 earnings call highlights. Strong net income growth reflects robust financial health, likely enhancing investor sentiment and future stock performance.

6 Feb

3

Banco Santander Chile faces a shift in market perception following conflicting analyst calls regarding its future performance. Analysts have differing views on the bank's growth potential and market positioning, leading to uncertainty among investors. This divergence in opinions highlights the challenges the bank may face in navigating its competitive landscape and achieving its strategic objectives. Conflicting analyst calls indicate a moderately noticeable influence on investor sentiment and market performance.

30 Jan

4

Banco Santander Chile reported its Q4 earnings, showcasing a solid financial performance with notable growth in net income and improved efficiency ratios. The bank's loan portfolio expanded, driven by increased demand for credit, while non-performing loans remained stable. The results reflect the bank's strategic focus on digital transformation and customer service enhancements, positioning it well for future growth in a competitive market. Overall, the earnings report indicates a positive outlook for Banco Santander Chile amidst economic challenges. The earnings report highlights significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

4

Banco Santander Chile announced its earnings for the fourth quarter of 2025, highlighting key financial metrics and performance indicators. The report reflects the bank's operational efficiency and market positioning, showcasing growth in various segments. The results are expected to influence investor sentiment and market dynamics moving forward. The earnings report indicates significant financial performance that could impact investor sentiment and market positioning.

22 Jan

3

Banco Santander Chile's stock price target has been revised, reflecting changes in market conditions and investor sentiment. Analysts are adjusting their forecasts based on recent financial performance and broader economic indicators. The new price target aims to provide investors with updated insights into the bank's potential growth and profitability in the coming quarters. The revised price target indicates a moderately noticeable influence on the bank's market performance and investor sentiment.

9 Jan

3

Banco Santander Chile announced a webcast and conference call for analysts and investors to discuss its fourth quarter 2025 results. The event aims to provide insights into the bank's financial performance and strategic direction, allowing stakeholders to engage with management and ask questions. The webcast may influence investor sentiment and provide insights into the bank's financial performance, but the overall effect is expected to be somewhat limited.

8 Jan

3

Banco Santander Chile (BSAC) and Banco de Chile (BCH) are compared in terms of value stock potential. Analysts evaluate key financial metrics, including price-to-earnings ratios, dividend yields, and growth prospects. The analysis highlights BSAC's strong market position and recent performance, while BCH is noted for its stability and consistent dividends. Investors are encouraged to consider both stocks based on their individual investment strategies and market conditions. Both banks are positioned well in the market, but the overall impact on BSAC's trajectory is expected to be limited.

6 Jan

3

Banco Santander Chile (BSAC) and Banco de Chile (BCH) are compared in terms of their stock value, with analysis focusing on financial metrics, market performance, and growth potential. The evaluation considers factors such as earnings, dividends, and overall market conditions to determine which stock presents a better investment opportunity. Investors are encouraged to weigh the strengths and weaknesses of both banks to make informed decisions. The comparison of BSAC and BCH may influence investor sentiment and financial performance but is not expected to fundamentally alter their trajectories.

17 Dec

4

Recent analyst upgrades for Banco Santander Chile (BSAC) have shifted market sentiment positively, with several firms raising their price targets and ratings. Analysts cite improved economic conditions and the bank's strong performance metrics as key factors influencing their outlook. The upgrades suggest a growing confidence in BSAC's ability to navigate market challenges and capitalize on growth opportunities in the Chilean banking sector. Analyst upgrades indicate significant shifts in market sentiment and potential for improved financial performance.

1 Dec

3

Analysts express caution and optimism regarding Banco Santander Chile (BSAC) as the bank navigates a challenging economic environment. Key catalysts that could shift the narrative include potential regulatory changes, shifts in interest rates, and the bank's strategic initiatives aimed at enhancing customer experience and digital transformation. Despite current challenges, there is a belief that these factors could positively influence BSAC's market performance and investor sentiment in the near future. Potential regulatory changes and strategic initiatives may moderately influence BSAC's financial performance and competitive positioning.

19 Nov

4

Banco Santander Chile has proposed to incorporate PagoNxt as a strategic partner for Getnet Chile, aiming to enhance its leadership in the local payments market. This partnership is expected to strengthen Getnet's position and expand its offerings in the competitive payment landscape in Chile. The partnership with PagoNxt is a significant strategic move that could enhance market positioning and investor sentiment.

6 Nov

3

Banco Santander Chile (BSAC) is being compared to Banco BCP (BAP) to determine which stock offers better value at present. Analysts are evaluating financial metrics, market conditions, and growth potential to assess investment opportunities. The analysis includes a review of recent performance, dividend yields, and overall market sentiment towards both banks. Investors are encouraged to consider these factors when making investment decisions. The comparison of BSAC with BAP highlights competitive positioning and market sentiment, which could moderately influence investor decisions.

3

Options trading activity for Banco Santander Chile (BSAC) indicates a potential spike in stock price, with a notable increase in call options suggesting bullish sentiment among investors. Analysts are observing this trend closely, as it may reflect expectations of positive developments or market movements affecting the bank's performance. The heightened interest in options could signal confidence in the company's future prospects, prompting speculation about upcoming earnings or strategic initiatives. Increased options activity suggests moderate investor optimism, which may influence market sentiment and stock performance.

3 Nov

4

Recent developments at Banco Santander Chile (BSAC) indicate a strategic shift aimed at enhancing its market position and financial performance. The bank is focusing on digital transformation and expanding its product offerings to meet evolving customer needs. Additionally, regulatory changes and economic conditions in Chile are influencing the bank's operational strategies. These factors are expected to shape BSAC's investment narrative moving forward. Strategic shifts and regulatory changes are likely to significantly impact the bank's future performance and market positioning.

30 Oct

4

Banco Santander Chile reported its Q3 earnings, showcasing a notable increase in net income driven by higher interest rates and improved loan demand. The bank's total assets grew, reflecting a strong performance in retail banking and corporate lending. Additionally, the bank's efficiency ratio improved, indicating better cost management. However, concerns about potential economic slowdowns and regulatory challenges were highlighted, which could impact future growth. Overall, the results exceeded market expectations, reinforcing investor confidence. The earnings report indicates significant growth and improved financial metrics, which could influence future performance and investor sentiment.

4

Banco Santander Chile reported its earnings for the third quarter of 2025, highlighting significant growth in net income and improved efficiency ratios. The bank's total assets increased, driven by strong loan demand and effective cost management strategies. Additionally, the bank announced plans for further digital transformation initiatives aimed at enhancing customer experience and operational efficiency. Overall, the results reflect a positive outlook for the bank's performance in the coming quarters. The earnings report indicates significant growth and strategic initiatives that could notably influence the bank's future performance and market position.

20 Oct

4

Banco Santander Chile is experiencing a positive shift in narrative due to recent analyst upgrades and new partnerships. These developments are expected to enhance the bank's market position and investor sentiment, reflecting a growing confidence in its future performance. Analyst upgrades and new partnerships are likely to significantly impact the bank's trajectory and investor sentiment.

14 Oct

3

Banco Santander Chile (BSAC) is being compared to Banco Bilbao Vizcaya Argentaria (BAP) to determine which stock offers better value currently. Analysts are evaluating financial metrics, market conditions, and growth potential to assess the investment appeal of both banks. Key factors include profitability, dividend yields, and market positioning, which could influence investor decisions. Comparative analysis of BSAC and BAP may moderately influence investor sentiment and market performance.

3 Oct

3

Banco Santander Chile announced a webcast and conference call for analysts and investors to discuss its third quarter 2025 financial results. The event aims to provide insights into the bank's performance and strategic direction, allowing stakeholders to engage with management and ask questions. The conference call is expected to provide insights that may influence investor sentiment and financial performance but is unlikely to fundamentally alter the company's trajectory.

6 Aug

4 transcript

Banco Santander Chile (BSAC) reported strong financial performance in Q2 2025, highlighting a robust return on equity (ROE) and significant growth in digital banking services. The bank's strategic focus on digital transformation has contributed to its competitive positioning in the market, attracting more customers and enhancing operational efficiency. Overall, the earnings call emphasized the bank's commitment to innovation and customer-centric solutions, positioning it well for future growth. Strong ROE and digital growth indicate significant strategic moves that could alter the company's trajectory.

31 Jul

4

Banco Santander Chile reported its Q2 earnings, highlighting a significant increase in net income driven by strong loan growth and improved asset quality. The bank's total loans rose, reflecting robust demand in both retail and corporate segments. Additionally, the bank's cost-to-income ratio improved, indicating enhanced operational efficiency. However, challenges such as rising interest rates and economic uncertainties were noted, which could impact future performance. Overall, the results exceeded market expectations, positioning the bank favorably in the competitive landscape. Strong loan growth and improved asset quality indicate significant positive momentum for future performance.

stockrow.com/BSAC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com