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Banco Santander Chile (BSAC) vs Grupo Cibest S.A. - Sponsored ADR (CIB)

Banco Santander Chile and Grupo Cibest S.A. - Sponsored ADR are both Banks Regional companies. Banco Santander Chile is the larger, with a market value of $15.5B against $10.7B — 1.4× the size. Banco Santander Chile trades at the lower P/E: 12.5× against 19.1×. Grupo Cibest S.A. - Sponsored ADR grew revenue faster over the last twelve months: 79.5% against 1.92%. Banco Santander Chile has the higher net margin (24.0% vs 9.43%) and the higher return on invested capital (554.7% vs 33.7%). Only Grupo Cibest S.A. - Sponsored ADR pays a dividend (4.08%). Across the 19 metrics below, Grupo Cibest S.A. - Sponsored ADR leads on 10 and Banco Santander Chile on 9.

Valuation

Metric BSAC CIB Banks Regional median
P/E 12.48 19.09 11.98
P/S 2.90 2.26 2.34
P/B 2.71 2.04 1.19
Price to free cash flow 196.51 22.62 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.01% 5.24% 8.23%
Free cash flow yield 0.51% 4.42% 9.08%

Profitability

Metric BSAC CIB Banks Regional median
Gross margin 62.83% 69.28% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.02% 9.43% 18.66%
Free cash flow margin 0.00% 10.01% 21.11%
Return on equity 23.60% 11.82% 10.65%
Return on assets 1.69% 1.23% 1.13%
Return on invested capital 554.73% 33.72% 8.35%

Growth

Metric BSAC CIB Banks Regional median
Revenue growth (TTM) 1.92% 79.45% 6.98%
EPS growth (last fiscal year) 31.91% (41.90%) 18.88%
Revenue growth, 5-year CAGR 8.18% 2.34% 12.38%
Net income growth, 5-year CAGR 9.56% 50.69% 9.71%

Health

Metric BSAC CIB Banks Regional median
Debt to equity 2.06 0.18 0.22
Current ratio 1.72 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSAC CIB Banks Regional median
Dividend yield 0.00% 4.08% 2.57%
Payout ratio 0.00 0.78 0.30

Size

Metric BSAC CIB Banks Regional median
Market cap 15.46b 10.74b 913.33m

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