BSAC
Banco Santander-Chile
Banks - Regional
Market Cap$14.85B
5Y Perf.+99.9%
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Stock Comparison
BSAC vs ITUB
Revenue, margins, valuation, and 5-year total return — side by side.
ITUB
Itaú Unibanco Holding S.A.
Banks - Regional
Market Cap$93.13B
5Y Perf.+165.7%
BSAC vs ITUB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | BSAC | ITUB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $14.85B | $93.13B |
| Revenue (TTM) | $4.66T | $384.58B |
| Net Income (TTM) | $1.05T | $44.86B |
| Gross Margin | 48.8% | 34.5% |
| Operating Margin | 26.7% | 13.1% |
| Forward P/E | 0.0x | 1.8x |
| Total Debt | $15.88T | $1.01T |
| Cash & Equiv. | $5.24T | $270.61B |
BSAC vs ITUB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BSAC
ITUB
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Banco Santander-Chi… (BSAC) | 100 | 199.9 | +99.9% |
| Itaú Unibanco Holdi… (ITUB) | 100 | 265.7 | +165.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BSAC vs ITUB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ITUB leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Banco Santander-Chile is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
BSAC
Banco Santander-Chile
The Banking Pick
BSAC is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.94, yield 100.0%
- Lower volatility, beta 0.94, current ratio 0.21x
- Beta 0.94, yield 100.0%, current ratio 0.21x
Best for: income & stability and sleep-well-at-night
ITUB
Itaú Unibanco Holding S.A.
The Banking Pick
ITUB carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 18.0%, EPS growth 4.0%
- 196.3% 10Y total return vs BSAC's 127.2%
- 18.0% NII/revenue growth vs BSAC's -5.0%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ITUB | 18.0% NII/revenue growth vs BSAC's -5.0% |
| Value | BSAC | Lower P/E (0.0x vs 1.8x) |
| Quality / Margins | ITUB | Efficiency ratio 0.2% vs BSAC's 0.2% (lower = leaner) |
| Stability / Safety | BSAC | Beta 0.94 vs ITUB's 1.11, lower leverage |
| Dividends | BSAC | 100.0% yield, 1-year raise streak, vs ITUB's 10.1% |
| Momentum (1Y) | ITUB | +48.5% vs BSAC's +36.8% |
| Efficiency (ROA) | ITUB | Efficiency ratio 0.2% vs BSAC's 0.2% |
BSAC vs ITUB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBSACLAGGINGITUB
ITUBItaú Unibanco Holding…
1leads
BSACBanco Santander-Chile
3leads
6 Total Categories
CATEGORYLEADERvs ITUBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BSAC4/5
Valuation MetricsMultiples, price ratios, and targets
BSAC5/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
BSAC7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
ITUB6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
BSAC leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BSAC is the larger business by revenue, generating $4.66T annually — 12.1x ITUB's $384.6B. BSAC is the more profitable business, keeping 21.9% of every revenue dollar as net income compared to ITUB's 11.7%.
| Metric | BSACBanco Santander-C… | ITUBItaú Unibanco Hol… |
|---|---|---|
| RevenueTrailing 12 months | $4.66T | $384.6B |
| EBITDAEarnings before interest/tax | $1.45T | $57.6B |
| Net IncomeAfter-tax profit | $1.05T | $44.9B |
| Free Cash FlowCash after capex | $776.1B | $117.6B |
| Gross MarginGross profit ÷ Revenue | +48.8% | +34.5% |
| Operating MarginEBIT ÷ Revenue | +26.7% | +13.1% |
| Net MarginNet income ÷ Revenue | +21.9% | +11.7% |
| FCF MarginFCF ÷ Revenue | +13.4% | +33.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -8.2% | -11.4% |
BSAC leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
BSAC leads this category, winning 5 of 7 comparable metrics.
Valuation Metrics
At 0.0x trailing earnings, BSAC trades at a 100% valuation discount to ITUB's 10.6x P/E. Adjusting for growth (PEG ratio), BSAC offers better value at 0.00x vs ITUB's 0.52x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | BSACBanco Santander-C… | ITUBItaú Unibanco Hol… |
|---|---|---|
| Market CapShares × price | $14.8B | $93.1B |
| Enterprise ValueMkt cap + debt − cash | $26.6B | $243.4B |
| Trailing P/EPrice ÷ TTM EPS | 0.03x | 10.62x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.01x | 1.80x |
| PEG RatioP/E ÷ EPS growth rate | 0.00x | 0.52x |
| EV / EBITDAEnterprise value multiple | 17.45x | 20.85x |
| Price / SalesMarket cap ÷ Revenue | 2.89x | 1.20x |
| Price / BookPrice ÷ Book value/share | 0.03x | 2.17x |
| Price / FCFMarket cap ÷ FCF | 21.54x | 3.59x |
BSAC leads this category, winning 5 of 7 comparable metrics.
Profitability & Efficiency
BSAC leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
BSAC delivers a 21.5% return on equity — every $100 of shareholder capital generates $22 in annual profit, vs $21 for ITUB. BSAC carries lower financial leverage with a 2.77x debt-to-equity ratio, signaling a more conservative balance sheet compared to ITUB's 4.71x. On the Piotroski fundamental quality scale (0–9), BSAC scores 5/9 vs ITUB's 4/9, reflecting solid financial health.
| Metric | BSACBanco Santander-C… | ITUBItaú Unibanco Hol… |
|---|---|---|
| ROE (TTM)Return on equity | +21.5% | +20.6% |
| ROA (TTM)Return on assets | +1.6% | +1.5% |
| ROICReturn on invested capital | +4.5% | +3.2% |
| ROCEReturn on capital employed | +3.4% | +2.8% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 4 |
| Debt / EquityFinancial leverage | 2.77x | 4.71x |
| Net DebtTotal debt minus cash | $10.64T | $742.0B |
| Cash & Equiv.Liquid assets | $5.24T | $270.6B |
| Total DebtShort + long-term debt | $15.88T | $1.01T |
| Interest CoverageEBIT ÷ Interest expense | 0.72x | 0.23x |
BSAC leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
ITUB leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ITUB five years ago would be worth $26,251 today (with dividends reinvested), compared to $15,931 for BSAC. Over the past 12 months, ITUB leads with a +48.5% total return vs BSAC's +36.8%. The 3-year compound annual growth rate (CAGR) favors ITUB at 27.7% vs BSAC's 21.5% — a key indicator of consistent wealth creation.
| Metric | BSACBanco Santander-C… | ITUBItaú Unibanco Hol… |
|---|---|---|
| YTD ReturnYear-to-date | +5.9% | +18.0% |
| 1-Year ReturnPast 12 months | +36.8% | +48.5% |
| 3-Year ReturnCumulative with dividends | +79.4% | +108.2% |
| 5-Year ReturnCumulative with dividends | +59.3% | +162.5% |
| 10-Year ReturnCumulative with dividends | +127.2% | +196.3% |
| CAGR (3Y)Annualised 3-year return | +21.5% | +27.7% |
ITUB leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — BSAC and ITUB each lead in 1 of 2 comparable metrics.
Risk & Volatility
BSAC is the less volatile stock with a 0.94 beta — it tends to amplify market swings less than ITUB's 1.11 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ITUB currently trades 88.0% from its 52-week high vs BSAC's 83.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BSACBanco Santander-C… | ITUBItaú Unibanco Hol… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.94x | 1.11x |
| 52-Week HighHighest price in past year | $37.72 | $9.60 |
| 52-Week LowLowest price in past year | $22.77 | $6.05 |
| % of 52W HighCurrent price vs 52-week peak | +83.6% | +88.0% |
| RSI (14)Momentum oscillator 0–100 | 30.2 | 45.3 |
| Avg Volume (50D)Average daily shares traded | 449K | 24.3M |
Evenly matched — BSAC and ITUB each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — BSAC and ITUB each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates BSAC as "Hold" and ITUB as "Buy". Consensus price targets imply 6.3% upside for BSAC (target: $34) vs -24.5% for ITUB (target: $6). For income investors, BSAC offers the higher dividend yield at 100.00% vs ITUB's 10.14%.
| Metric | BSACBanco Santander-C… | ITUBItaú Unibanco Hol… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $33.50 | $6.38 |
| # AnalystsCovering analysts | 12 | 12 |
| Dividend YieldAnnual dividend ÷ price | +100.0% | +10.1% |
| Dividend StreakConsecutive years of raises | 1 | 4 |
| Dividend / ShareAnnual DPS | $484767.98 | $4.23 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.7% |
Evenly matched — BSAC and ITUB each lead in 1 of 2 comparable metrics.
Key Takeaway
BSAC leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). ITUB leads in 1 (Total Returns). 2 tied.
Best OverallBanco Santander-Chile (BSAC)Leads 3 of 6 categories
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BSAC vs ITUB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BSAC or ITUB a better buy right now?
For growth investors, Itaú Unibanco Holding S.
A. (ITUB) is the stronger pick with 18. 0% revenue growth year-over-year, versus -5. 0% for Banco Santander-Chile (BSAC). Banco Santander-Chile (BSAC) offers the better valuation at 0. 0x trailing P/E (0. 0x forward), making it the more compelling value choice. Analysts rate Itaú Unibanco Holding S. A. (ITUB) a "Buy" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — BSAC or ITUB?
On trailing P/E, Banco Santander-Chile (BSAC) is the cheapest at 0.
0x versus Itaú Unibanco Holding S. A. at 10. 6x. On forward P/E, Banco Santander-Chile is actually cheaper at 0. 0x.
03Which is the better long-term investment — BSAC or ITUB?
Over the past 5 years, Itaú Unibanco Holding S.
A. (ITUB) delivered a total return of +162. 5%, compared to +59. 3% for Banco Santander-Chile (BSAC). Over 10 years, the gap is even starker: ITUB returned +196. 3% versus BSAC's +127. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — BSAC or ITUB?
By beta (market sensitivity over 5 years), Banco Santander-Chile (BSAC) is the lower-risk stock at 0.
94β versus Itaú Unibanco Holding S. A. 's 1. 11β — meaning ITUB is approximately 18% more volatile than BSAC relative to the S&P 500. On balance sheet safety, Banco Santander-Chile (BSAC) carries a lower debt/equity ratio of 3% versus 5% for Itaú Unibanco Holding S. A. — giving it more financial flexibility in a downturn.
05Which is growing faster — BSAC or ITUB?
By revenue growth (latest reported year), Itaú Unibanco Holding S.
A. (ITUB) is pulling ahead at 18. 0% versus -5. 0% for Banco Santander-Chile (BSAC). On earnings-per-share growth, the picture is similar: Banco Santander-Chile grew EPS 492. 6% year-over-year, compared to 4. 0% for Itaú Unibanco Holding S. A.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — BSAC or ITUB?
Banco Santander-Chile (BSAC) is the more profitable company, earning 21.
9% net margin versus 11. 7% for Itaú Unibanco Holding S. A. — meaning it keeps 21. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BSAC leads at 26. 7% versus 13. 1% for ITUB. At the gross margin level — before operating expenses — BSAC leads at 48. 8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is BSAC or ITUB more undervalued right now?
On forward earnings alone, Banco Santander-Chile (BSAC) trades at 0.
0x forward P/E versus 1. 8x for Itaú Unibanco Holding S. A. — 1. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BSAC: 6. 3% to $33. 50.
08Which pays a better dividend — BSAC or ITUB?
All stocks in this comparison pay dividends.
Banco Santander-Chile (BSAC) offers the highest yield at 100. 0%, versus 10. 1% for Itaú Unibanco Holding S. A. (ITUB).
09Is BSAC or ITUB better for a retirement portfolio?
For long-horizon retirement investors, Banco Santander-Chile (BSAC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
94), 100. 0% yield, +127. 2% 10Y return). Both have compounded well over 10 years (BSAC: +127. 2%, ITUB: +196. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between BSAC and ITUB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: BSAC is a mid-cap deep-value stock; ITUB is a mid-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(BSAC: -5.0% · ITUB: 18.0%)Net Margin>
%
(BSAC: 21.9% · ITUB: 11.7%)P/E Ratio<
x
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