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Banco Santander Chile (BSAC) vs First Horizon Corporation (FHN)

Banco Santander Chile and First Horizon Corporation are both Banks Regional companies. Banco Santander Chile is the larger, with a market value of $15.5B against $10.8B — 1.4× the size. Banco Santander Chile trades at the lower P/E: 12.5× against 15.9×. Banco Santander Chile grew revenue faster over the last twelve months: 1.92% against −8.23%. Banco Santander Chile has the higher net margin (24.0% vs 15.1%) and the higher return on invested capital (554.7% vs 12.3%). Only First Horizon Corporation pays a dividend (2.88%). Across the 18 metrics below, Banco Santander Chile leads on 10 and First Horizon Corporation on 8.

Valuation

Metric BSAC FHN Banks Regional median
P/E 12.48 15.85 11.98
P/S 2.90 2.42 2.34
P/B 2.71 1.28 1.19
Price to free cash flow 196.51 10.63 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.01% 6.31% 8.23%
Free cash flow yield 0.51% 9.41% 9.08%

Profitability

Metric BSAC FHN Banks Regional median
Gross margin 62.83% 67.95% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.02% 15.14% 18.66%
Free cash flow margin 0.00% 0.00% 21.11%
Return on equity 23.60% 7.83% 10.65%
Return on assets 1.69% 0.81% 1.13%
Return on invested capital 554.73% 12.27% 8.35%

Growth

Metric BSAC FHN Banks Regional median
Revenue growth (TTM) 1.92% (8.23%) 6.98%
EPS growth (last fiscal year) 31.91% 37.50% 18.88%
Revenue growth, 5-year CAGR 8.18% 8.01% 12.38%
Net income growth, 5-year CAGR 9.56% 3.07% 9.71%

Health

Metric BSAC FHN Banks Regional median
Debt to equity 2.06 0.14 0.22
Current ratio 1.72 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSAC FHN Banks Regional median
Dividend yield 0.00% 2.88% 2.57%
Payout ratio 0.00 0.46 0.30

Size

Metric BSAC FHN Banks Regional median
Market cap 15.46b 10.83b 913.33m

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