Pricing Log in Create free account
Saturday 17 October 2026 Export BSAC’s income statement to Excel — free account

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. 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%
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.

Target Price Range

Analyst price targets

Recommendation Rating

2.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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 $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.

Banco Santander Chile (BSAC) Latest News

No news at this impact. Lower the threshold for more.
stockrow.com/BSAC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com