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BSACBanco Santander-Chile
$32.33$15.2B
Overview & Tools
OverviewChart Terminal ↗Visualize
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Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
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Income StatementBalance SheetCash FlowRatios & Margins
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P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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BSAC logo

Banco Santander-Chile

BSAC
NYSE · Large & Global Banks
$32.33
At close - Nov 6, 4:00 PM EST - USD
Market Cap$15.23B
P/E13.3x
52W High$37.72
Volume302.5K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Volatile Earnings and Thin Capital Cushion Weigh on BSAC

BSAC's reported earnings base has been unstable, with quarterly net income ranging from roughly $217.7B to $382.6B and net interest income swinging between $364.0B and $705.5B, while provision entries have alternated between reversals near $374.8B and charges above $145.0B, making the underlying credit cost trend…

GrowthMixed
ProfitabilityModerate
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

BSAC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

6/12 Beats

EPS beat 6 of last 12 quarters

02

Valuation risk

In Line

P/E is in line with peer median

03

Market leadership

RS 55 · Avg

Average momentum (RS Rating: 55)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Jan 30
01

Build the investment case

Start with the evidence for owning the stock and the risks that can break the thesis.

EXECUTIVE THESIS

The Investment Case

Full Analysis
Fundamental Trajectory

Net interest margin has held in a narrow 0.5% to 1.0% band with volatile fee income and provision reversals, indicating earnings quality is hard to assess from the reported revenue base.

Analyst Consensus-4.1% target
Buy(12 analysts)
5 Buy4 Hold3 Sell

The Bull Case

Upside Catalysts

Strong Dividend Yield

BSAC offers an annual dividend of $0.99 per share, translating to a yield of 2.97%. Additionally, a future dividend of $1.13 is anticipated, which would represent a yield of 3.33%.

Analyst Upgrades and Sentiment

Recent analyst upgrades for BSAC stock indicate a positive shift in sentiment. Some analysts have issued 'Buy' ratings, suggesting an average price target of $35.50 with a potential upside of 6.16%.

Resilient Financial Performance

BSAC has shown resilience through consistent earnings and effective management, which supports its stability in the market. This performance is further bolstered by increasing institutional engagement, reflecting confidence in the bank's operations.

The Bear Case

Key Downside Risks

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
BSAC+8.37%
S&P 500 (^GSPC)+7.63%
1-Year Return
BSAC+15.87%
S&P 500 (^GSPC)+9.69%
3-Year Return
BSAC+94.99%
S&P 500 (^GSPC)+68.76%
5-Year Return
BSAC+104.63%
S&P 500 (^GSPC)+56.80%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
13.3x
Forward P/EExpansion
0.0x
EV/EBITDA100th %ile
17.2x
FCF YieldCash Flow
N/A

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
13.3x
0.0x
100th· High
EV/EBITDA
17.2x
7.7x
100th· High
Price/FCF
N/A
0.0x
N/A
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$20.88-35.4%
Base (Fair)$32.14-0.6%
Bull$44.91+38.9%
$20.88 Bear$32.14 Base$44.91 Bull
Current Market Price: $32.33
Trades at a 0.6% premium to Base DCF ($32.14)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$2851.15B+9.9% YoY
Net income FY25
$1021.65B+19.8% YoY
Free cash flow FY25
$624.4B+66.7% YoY
Operating margin FY25
43.7%+2.1 pts YoY
ROIC (FY25)4.5%
Avg ROIC 5Y4.2%
ROE (TTM)21.4%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate6/12 (50%)
Revenue Beat Rate6/12 (50%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 30, 2026
$0.52-20.0%
vs $0.65
$738M-2.9%
vs $760M
Q3 2026
Jul 29, 2026
$0.90+34.3%
vs $0.67
$901M+2.0%
vs $883M
Q2 2026
Apr 30, 2026
$0.63+1.6%
vs $0.62
$807M-0.5%
vs $811M
Q1 2026
Jan 30, 2026
$0.59+0.0%
vs $0.59
$835M+6.8%
vs $782M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Defense World·Oct 13, 2026
MetroCity Bankshares (NASDAQ:MCBS) vs. Banco Santander Chile (NYSE:BSAC) Head-To-Head Review

Banco Santander Chile (NYSE: BSAC - Get Free Report) and MetroCity Bankshares (NASDAQ: MCBS - Get Free Report) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their valuation, risk, analyst recommendations, dividends, earnings, profitability and institutional ownership. Dividends Banco Santander Chile pays an annual

The Motley Fool·Oct 7, 2026
Banco Santander-Chile's 2026 Outlook: Efficiency Ratio Improves to 30.8% as the Bank Remains Resilient Amid a Sluggish Economy

The bank maintains a strong competitive moat through its dominant market share in Chile. Efficiency gains from digital transformation have significantly improved the bank's bottom-line profitability.

Defense World·Oct 6, 2026
Banco Santander Chile (NYSE:BSAC) & Zions Bancorporation, N.A. (NASDAQ:ZION) Head-To-Head Review

Banco Santander Chile (NYSE: BSAC - Get Free Report) and Zions Bancorporation, N.A. (NASDAQ: ZION - Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their valuation, profitability, dividends, analyst recommendations, institutional ownership, earnings and risk. Insider and Institutional Ownership 6.4% of

GlobeNewsWire·Sep 25, 2026
Banco Santander Chile: Third Quarter 2026 Analyst and Investor Webcast / Conference Call

SANTIAGO, Chile, Sept. 25, 2026 (GLOBE NEWSWIRE) -- You are cordially invited to participate in Banco Santander Chile's (NYSE: BSAC) conference call-webcast on Wednesday November 4, 2026, at 11.00 AM Chile time (9.00 AM ET) where we will discuss 3Q 2026 financial results. The Bank's Officers participating in the conference call are: Patricia Pérez, CFO, Cristian Vicuña, Chief Strategy Officer & Head of IR and Andres Sansone, Chief Economist. A question and answer session will follow the presentation.

Filtered for Banco Santander-ChileMore Headlines
04

Compare before deciding

Benchmark BSAC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Banco Santander-Chile (BSAC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
BSAC logoBSACBanco Santander-ChileCurrent
$32.33$15.23B13.319.86%38.39%21.39%3.84%
BCH logoBCHBanco de Chile
$38.66$19.53B15.51-32.35%49.52%20.82%5.22%
BBD logoBBDBanco Bradesco S.A.
$2.54$26.86B5.6411.85%20.41%14.13%8.01%
ITUB logoITUBItaú Unibanco Holding S.A.
$7.39$81.45B9.394.21%25.77%21.15%10.42%
SAN logoSANBanco Santander, S.A.
$11.74$172.32B10.99-5.18%25%14.04%1.99%
BSBR logoBSBRBanco Santander (Brasil) S.A.
$4.64$34.74B14.92-3.79%26.65%9.95%3.41%

Compare BSAC vs Peers

Banco Santander-Chile (BSAC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BCH

Most directly comparable listed peer for BSAC.

Scale Benchmark

vs V

Larger-name benchmark to compare BSAC against a more recognizable public peer.

Peer Set

Compare Top 5

vs BCH, BBD, ITUB, SAN

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BSAC Frequently Asked Questions

Banco Santander-Chile (BSAC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Banco Santander-Chile growing?

Banco Santander-Chile (BSAC) grew revenue by 8.5% over the trailing twelve months, compared with the twelve months before.

Is BSAC profitable?

Yes. Banco Santander-Chile (BSAC) earned $1.12T in net income over the trailing twelve months (a 38.4% net margin).

Dividend & Returns
Does BSAC pay dividends?

Yes. Banco Santander-Chile (BSAC) pays a dividend that yields 3.84% at the current price, a moderate yield.

What is BSAC's return on equity?

Banco Santander-Chile (BSAC) had a return on equity (ROE) of 21.4% over the trailing twelve months. That is well above the market's typical 10-15%.

Industry Metrics
What is Banco Santander-Chile's net interest margin?

Banco Santander-Chile (BSAC) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

What is Banco Santander-Chile's efficiency ratio?

Banco Santander-Chile (BSAC) has an efficiency ratio of 36.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in BSAC back in 1998?

Total return calculator · dividends reinvested · 28+ years of data

See returns →