BSAC
Banco Santander-Chile
Banks - Regional
Market Cap$14.38B
5Y Perf.+93.6%
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Stock Comparison
BSAC vs BSBR
Revenue, margins, valuation, and 5-year total return — side by side.
BSBR
Banco Santander (Brasil) S.A.
Banks - Regional
Market Cap$43.40B
5Y Perf.+28.8%
BSAC vs BSBR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | BSAC | BSBR |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $14.38B | $43.40B |
| Revenue (TTM) | $4.66T | $151.54B |
| Net Income (TTM) | $1.05T | $12.69B |
| Gross Margin | 48.8% | 27.5% |
| Operating Margin | 26.7% | 11.0% |
| Forward P/E | 0.0x | 6.5x |
| Total Debt | $15.88T | $129.96B |
| Cash & Equiv. | $5.24T | $201.98B |
BSAC vs BSBR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BSAC
BSBR
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Banco Santander-Chi… (BSAC) | 100 | 193.6 | +93.6% |
| Banco Santander (Br… (BSBR) | 100 | 128.8 | +28.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BSAC vs BSBR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BSAC leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and capital preservation and lower volatility. Banco Santander (Brasil) S.A. is the stronger pick specifically for growth and revenue expansion and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
BSAC
Banco Santander-Chile
The Banking Pick
BSAC carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 1 yrs, beta 0.94, yield 100.0%
- 125.2% 10Y total return vs BSBR's 103.4%
- Lower volatility, beta 0.94, current ratio 0.21x
Best for: income & stability and long-term compounding
BSBR
Banco Santander (Brasil) S.A.
The Banking Pick
BSBR is the clearest fit if your priority is growth exposure and bank quality.
- Rev growth 17.5%, EPS growth 87.4%
- NIM 4.5% vs BSAC's 2.9%
- 17.5% NII/revenue growth vs BSAC's -5.0%
Best for: growth exposure and bank quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BSBR | 17.5% NII/revenue growth vs BSAC's -5.0% |
| Value | BSAC | Lower P/E (0.0x vs 6.5x) |
| Quality / Margins | BSBR | Efficiency ratio 0.2% vs BSAC's 0.2% (lower = leaner) |
| Stability / Safety | BSAC | Beta 0.94 vs BSBR's 1.11 |
| Dividends | BSAC | 100.0% yield, 1-year raise streak, vs BSBR's 6.0% |
| Momentum (1Y) | BSAC | +32.8% vs BSBR's +24.0% |
| Efficiency (ROA) | BSBR | Efficiency ratio 0.2% vs BSAC's 0.2% |
BSAC vs BSBR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBSACLAGGINGBSBR
BSBRBanco Santander (Bras…
1leads
BSACBanco Santander-Chile
4leads
6 Total Categories
CATEGORYLEADERvs BSBRMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BSAC5/5
Valuation MetricsMultiples, price ratios, and targets
BSAC4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
BSBR5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
BSAC6/6
Risk & VolatilityBeta, volatility, and downside exposure
BSAC2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
BSAC leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BSAC is the larger business by revenue, generating $4.66T annually — 30.8x BSBR's $151.5B. BSAC is the more profitable business, keeping 21.9% of every revenue dollar as net income compared to BSBR's 8.4%.
| Metric | BSACBanco Santander-C… | BSBRBanco Santander (… |
|---|---|---|
| RevenueTrailing 12 months | $4.66T | $151.5B |
| EBITDAEarnings before interest/tax | $1.45T | $18.5B |
| Net IncomeAfter-tax profit | $1.05T | $12.7B |
| Free Cash FlowCash after capex | $776.1B | $5.5B |
| Gross MarginGross profit ÷ Revenue | +48.8% | +27.5% |
| Operating MarginEBIT ÷ Revenue | +26.7% | +11.0% |
| Net MarginNet income ÷ Revenue | +21.9% | +8.4% |
| FCF MarginFCF ÷ Revenue | +13.4% | +0.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -8.2% | -37.3% |
BSAC leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
BSAC leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 0.0x trailing earnings, BSAC trades at a 100% valuation discount to BSBR's 17.6x P/E. On an enterprise value basis, BSBR's 7.4x EV/EBITDA is more attractive than BSAC's 17.0x.
| Metric | BSACBanco Santander-C… | BSBRBanco Santander (… |
|---|---|---|
| Market CapShares × price | $14.4B | $43.4B |
| Enterprise ValueMkt cap + debt − cash | $26.3B | $28.9B |
| Trailing P/EPrice ÷ TTM EPS | 0.03x | 17.60x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.01x | 6.48x |
| PEG RatioP/E ÷ EPS growth rate | 0.00x | — |
| EV / EBITDAEnterprise value multiple | 17.04x | 7.38x |
| Price / SalesMarket cap ÷ Revenue | 2.77x | 1.42x |
| Price / BookPrice ÷ Book value/share | 0.03x | 0.86x |
| Price / FCFMarket cap ÷ FCF | 20.64x | 160.80x |
BSAC leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
BSBR leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
BSAC delivers a 21.5% return on equity — every $100 of shareholder capital generates $22 in annual profit, vs $10 for BSBR. BSBR carries lower financial leverage with a 1.03x debt-to-equity ratio, signaling a more conservative balance sheet compared to BSAC's 2.77x.
| Metric | BSACBanco Santander-C… | BSBRBanco Santander (… |
|---|---|---|
| ROE (TTM)Return on equity | +21.5% | +10.2% |
| ROA (TTM)Return on assets | +1.6% | +1.0% |
| ROICReturn on invested capital | +4.5% | +4.9% |
| ROCEReturn on capital employed | +3.4% | +3.7% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 |
| Debt / EquityFinancial leverage | 2.77x | 1.03x |
| Net DebtTotal debt minus cash | $10.64T | -$72.0B |
| Cash & Equiv.Liquid assets | $5.24T | $202.0B |
| Total DebtShort + long-term debt | $15.88T | $130.0B |
| Interest CoverageEBIT ÷ Interest expense | 0.72x | 0.16x |
BSBR leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
BSAC leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BSAC five years ago would be worth $15,452 today (with dividends reinvested), compared to $10,906 for BSBR. Over the past 12 months, BSAC leads with a +32.8% total return vs BSBR's +24.0%. The 3-year compound annual growth rate (CAGR) favors BSAC at 20.4% vs BSBR's 5.9% — a key indicator of consistent wealth creation.
| Metric | BSACBanco Santander-C… | BSBRBanco Santander (… |
|---|---|---|
| YTD ReturnYear-to-date | +2.7% | -3.4% |
| 1-Year ReturnPast 12 months | +32.8% | +24.0% |
| 3-Year ReturnCumulative with dividends | +74.3% | +18.9% |
| 5-Year ReturnCumulative with dividends | +54.5% | +9.1% |
| 10-Year ReturnCumulative with dividends | +125.2% | +103.4% |
| CAGR (3Y)Annualised 3-year return | +20.4% | +5.9% |
BSAC leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
BSAC leads this category, winning 2 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 BSBR's 1.11 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | BSACBanco Santander-C… | BSBRBanco Santander (… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.94x | 1.11x |
| 52-Week HighHighest price in past year | $37.72 | $7.32 |
| 52-Week LowLowest price in past year | $22.77 | $4.62 |
| % of 52W HighCurrent price vs 52-week peak | +80.9% | +79.2% |
| RSI (14)Momentum oscillator 0–100 | 40.3 | 48.3 |
| Avg Volume (50D)Average daily shares traded | 453K | 968K |
BSAC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — BSAC and BSBR each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates BSAC as "Hold" and BSBR as "Buy". Consensus price targets imply 24.2% upside for BSBR (target: $7) vs 9.7% for BSAC (target: $34). For income investors, BSAC offers the higher dividend yield at 100.00% vs BSBR's 5.95%.
| Metric | BSACBanco Santander-C… | BSBRBanco Santander (… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $33.50 | $7.20 |
| # AnalystsCovering analysts | 12 | 11 |
| Dividend YieldAnnual dividend ÷ price | +100.0% | +6.0% |
| Dividend StreakConsecutive years of raises | 1 | 2 |
| Dividend / ShareAnnual DPS | $484767.98 | $1.71 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Evenly matched — BSAC and BSBR each lead in 1 of 2 comparable metrics.
Key Takeaway
BSAC leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). BSBR leads in 1 (Profitability & Efficiency). 1 tied.
Best OverallBanco Santander-Chile (BSAC)Leads 4 of 6 categories
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BSAC vs BSBR: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BSAC or BSBR a better buy right now?
For growth investors, Banco Santander (Brasil) S.
A. (BSBR) is the stronger pick with 17. 5% 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 Banco Santander (Brasil) S. A. (BSBR) a "Buy" — based on 11 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 BSBR?
On trailing P/E, Banco Santander-Chile (BSAC) is the cheapest at 0.
0x versus Banco Santander (Brasil) S. A. at 17. 6x. On forward P/E, Banco Santander-Chile is actually cheaper at 0. 0x.
03Which is the better long-term investment — BSAC or BSBR?
Over the past 5 years, Banco Santander-Chile (BSAC) delivered a total return of +54.
5%, compared to +9. 1% for Banco Santander (Brasil) S. A. (BSBR). Over 10 years, the gap is even starker: BSAC returned +125. 2% versus BSBR's +103. 4%. 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 BSBR?
By beta (market sensitivity over 5 years), Banco Santander-Chile (BSAC) is the lower-risk stock at 0.
94β versus Banco Santander (Brasil) S. A. 's 1. 11β — meaning BSBR is approximately 18% more volatile than BSAC relative to the S&P 500. On balance sheet safety, Banco Santander (Brasil) S. A. (BSBR) carries a lower debt/equity ratio of 103% versus 3% for Banco Santander-Chile — giving it more financial flexibility in a downturn.
05Which is growing faster — BSAC or BSBR?
By revenue growth (latest reported year), Banco Santander (Brasil) S.
A. (BSBR) is pulling ahead at 17. 5% 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 87. 4% for Banco Santander (Brasil) 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 BSBR?
Banco Santander-Chile (BSAC) is the more profitable company, earning 21.
9% net margin versus 8. 4% for Banco Santander (Brasil) 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 11. 0% for BSBR. 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 BSBR more undervalued right now?
On forward earnings alone, Banco Santander-Chile (BSAC) trades at 0.
0x forward P/E versus 6. 5x for Banco Santander (Brasil) S. A. — 6. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BSBR: 24. 2% to $7. 20.
08Which pays a better dividend — BSAC or BSBR?
All stocks in this comparison pay dividends.
Banco Santander-Chile (BSAC) offers the highest yield at 100. 0%, versus 6. 0% for Banco Santander (Brasil) S. A. (BSBR).
09Is BSAC or BSBR 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, +125. 2% 10Y return). Both have compounded well over 10 years (BSAC: +125. 2%, BSBR: +103. 4%), 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 BSBR?
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; BSBR 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% · BSBR: 17.5%)Net Margin>
%
(BSAC: 21.9% · BSBR: 8.4%)P/E Ratio<
x
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