Saturday 17 October 2026 Export BSAC’s income statement to Excel — free account

Banco Santander Chile

Banco Santander Chile’s revenue for fiscal 2025 (year ended December 2025) was $5.1 billion, down 5.02% from fiscal 2024. In the quarter to June 2026, revenue grew 6.76%, EPS grew 50.0%, free cash flow grew 440.0% and total debt fell 11.1%, each against the same quarter a year earlier.

32.70 0.12 −0.37%

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Market cap: $15.5B
P/E: 12.5×
Fwd P/E: —
Dividend yield: 0.00%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 15,460.00

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 12.48

Fwd P/E —

P/S ratio 2.90

P/B ratio 2.71

Past 5Y EPS Growth 10.00%

This Y EPS Growth 5.38%

Next Y EPS Growth 4.39%

Next Y revenue growth —

Next 5Y EPS Growth 5.84%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 39.48%

10-year low 10-year high

P/S against its own 10 years 60.89%

10-year low 10-year high

P/B against its own 10 years 73.90%

10-year low 10-year high

Dividends

Payout Ratio 0.00

Annual Dividend Rate 0.00

Annual Dividend Yield 0.00%

	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

special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	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
	High	23.50	32.29	35.09	32.97	24.37	26.15	22.95	21.81	21.43	31.67
People
People	Employees	11,354	11,068	11,305	11,200	10,470	9,988	9,389	9,229	8,757	8,526
	Revenue/emp, $m	0.29	0.34	0.38	0.35	0.33	0.44	0.55	0.68	0.62	0.60
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
	Gross margin, %	66.29	71.07	68.84	67.96	75.98	67.20	46.65	36.49	52.90	61.13
	EBT	764	1,080	1,227	1,113	904	1,396	991	830	1,188	1,370
	EBT margin, %	23.14	28.48	28.79	28.15	26.16	31.75	19.10	13.26	22.03	26.76
	Net income	622	863	960	870	719	1,108	888	713	946	1,142
	Depreciation	85	117	127	149	142	159	135	173	156	149
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
	Earnings	1.51	1.94	1.80	1.57	1.54	1.93	1.96	1.27	1.88	2.48
	Cash flow	2.03	(1.33)	3.47	5.50	(2.26)	(1.62)	(0.84)	3.35	1.13	0.13
	Capex	(0.25)	(0.23)	(0.31)	(0.22)	(0.19)	(0.23)	(0.22)	(0.31)	(0.25)	(0.24)
	Free cash flow	1.79	(1.56)	3.16	5.27	(2.46)	(1.85)	(1.06)	3.05	0.88	(0.12)
	Book value	8.11	10.02	11.02	10.34	10.22	12.22	11.59	13.61	12.51	13.39
	Shares, m	471	471	471	471	471	471	471	471	471	471
Valuation, ×
Valuation, ×	P/E	16.50	13.98	14.88	13.90	12.55	10.40	8.50	13.19	9.72	13.53
	P/S	3.14	4.02	3.31	2.75	2.59	2.66	1.39	1.46	1.65	2.86
	P/B	2.71	3.23	2.71	2.23	1.86	1.75	1.32	1.43	1.51	2.32
	EV/Sales	3.21	2.04	4.92	2.64	3.38	3.28	1.72	2.37	1.01	2.15
	EV/FCF	12.59	(10.52)	14.08	4.20	(10.10)	0.90	(17.85)	10.32	13.23	(201.63)
Cash, $m
Cash, $m	Operating cash flow	957	(625)	1,636	2,589	(1,066)	(763)	(395)	1,579	531	61
	Capex	(116)	(110)	(147)	(105)	(91)	(110)	(104)	(144)	(117)	(115)
	Free cash flow	841	(735)	1,489	2,484	(1,157)	(873)	(499)	1,435	413	(54)
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
	Total debt	12,016	3,612	15,846	16,829	18,893	22,391	17,634	22,041	13,718	12,247
	Net debt	227	(7,518)	6,891	(431)	2,744	4,881	1,684	5,655	(3,417)	(3,669)
	Shareholders’ equity	3,820	4,722	5,193	4,870	4,816	5,756	5,460	6,411	5,895	6,310
Returns, %
Returns, %	ROA	1.28	1.66	1.64	1.30	0.99	1.41	1.10	0.87	1.17	1.50
	ROIC	11.80	0.00	6.35	15.72	7.48	8.20	8.67	4.31	29.99	32.52
	ROE	15.91	19.77	19.21	17.23	14.70	20.72	15.54	11.71	15.25	18.42

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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	$21.3B	11.5×	11.9×	−1.14% (below 0%: shrinking)	+25.71% (above 0%: growing)	−80.76% (below 0%: shrinking)	70.74%	0.00%	Compare
BSBR Banco Santander Brasil SA	$20.9B	7.4×	—	+14.98% (above 0%: growing)	−5.56% (below 0%: shrinking)	+274.78% (above 0%: growing)	40.57%	0.00%	Compare
BCH Banco De Chile	$19.8B	14.7×	13.3×	+14.73% (above 0%: growing)	+34.37% (above 0%: growing)	−141.88% (below 0%: shrinking)	79.35%	0.00%	Compare
EWBC East West Bancorp, Inc.	$17.3B	12.1×	11.8×	+3.68% (above 0%: growing)	+17.78% (above 0%: growing)	+112.58% (above 0%: growing)	66.63%	0.00%	Compare
WF Woori Bank	$17.1B	8.1×	—	+37.39% (above 0%: growing)	+1.14% (above 0%: growing)	−106.07% (below 0%: shrinking)	57.49%	0.00%	Compare
BSAC Banco Santander Chile	$15.5B	12.5×	—	+6.76% (above 0%: growing)	+50.00% (above 0%: growing)	+440.00% (above 0%: growing)	67.88%	0.00%
PNFP Pinnacle Financial Partners, Inc.	$14.3B	12.9×	12.5×	+121.34% (above 0%: growing)	+2.99% (above 0%: growing)	−73.20% (below 0%: shrinking)	66.28%	0.00%	Compare
FHN First Horizon Corporation	$10.8B	15.9×	11.3×	−39.55% (below 0%: shrinking)	n/m	+664.86% (above 0%: growing)	52.50%	0.00%	Compare
CIB Grupo Cibest S.A. - Sponsored ADR	$10.7B	19.1×	—	+178.87% (above 0%: growing)	+85.47% (above 0%: growing)	−187.28% (below 0%: shrinking)	71.39%	0.00%	Compare
Median of peers	$17.2B	12.5×	11.9×	+14.86%	+17.78%	−76.98%	66.46%	0.00%

All 323 Banks Regional stocks →

Banco Santander Chile (BSAC) key facts

Concern: Banco Santander Chile’s revenue for fiscal 2025 (year ended December 2025) was $5.1 billion, down 5.02% from fiscal 2024.
Banco Santander Chile (BSAC) is a Banks Regional company in the Financial sector, traded in the US as an ADR.
As of October 16, 2026, BSAC traded at $32.70, a market capitalization of $15.5 billion.
Return on equity was 18.4% and debt-to-equity 2.06.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.