Banco Santander-Chile (BSAC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Banco Santander-Chile (BSAC) stock price & volume — 10-year historical chart
Banco Santander-Chile (BSAC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Banco Santander-Chile (BSAC) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.63vs $0.62+1.6% | $799Mvs $811M-1.5% |
| Q1 2026 | Jan 30, 2026 | $0.59vs $0.59+0.0% | $835Mvs $782M+6.8% |
| Q4 2025 | Oct 30, 2025 | $0.50vs $0.59-15.8% | $1.1B |
| Q3 2025 | Jul 31, 2025 | $0.60vs $0.62-3.2% | $443Mvs $763M-41.9% |
Banco Santander-Chile (BSAC) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison
Banco Santander-Chile (BSAC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Banco Santander-Chile (BSAC) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 1.33T | 1.41T | 1.42T | 1.59T | 1.79T | 1.57T | 1.09T | 1.79T | 1.99T |
| NII Growth % | 3.54% | 6.61% | 0.18% | 12.48% | 12.61% | -12.52% | -30.38% | 63.47% | 11.19% |
| Net Interest Margin % | 3.71% | 3.61% | 2.8% | 2.86% | 2.81% | 2.29% | 1.54% | 2.61% | 2.92% |
| Interest Income | 2.06T | 2.24T | 2.32T | 2.23T | 2.9T | 4.09T | 4.4T | 4.09T | 3.8T |
| Interest Expense | 731.75B | 829.95B | 904.42B | 638.48B | 1.11T | 2.52T | 3.31T | 2.31T | 1.81T |
| Loan Loss Provision | 302.25B | 317.41B | 323.31B | 478.26B | 291.23B | 356.49B | 322.79B | 504.59B | 575.31B |
| Non-Interest Income | 412.81B | 398.88B | 489.24B | 443.48B | 469.11B | 633.81B | 817.79B | 808.42B | 864.47B |
| Non-Interest Income % | 16.7% | 15.09% | 17.41% | 16.57% | 13.91% | 13.43% | 15.66% | 16.49% | 18.55% |
| Total Revenue | 2.47T▲ 0% | 2.64T▲ 7.0% | 2.81T▲ 6.3% | 2.68T▼ 4.8% | 3.37T▲ 26.1% | 4.72T▲ 39.9% | 5.22T▲ 10.6% | 4.9T▼ 6.1% | 4.66T▼ 5.0% |
| Revenue Growth % | -2.28% | 6.96% | 6.33% | -4.8% | 26.08% | 39.92% | 10.62% | -6.1% | -4.96% |
| Non-Interest Expense | 719.78B | 732.78B | 788.2B | 863.8B | 898.56B | 946.32B | 896.67B | 1.01T | 1.03T |
| Efficiency Ratio | 29.13% | 27.72% | 28.04% | 32.28% | 26.63% | 20.05% | 17.17% | 20.62% | 22.11% |
| Operating Income | 717.46B▲ 0% | 763.07B▲ 6.4% | 794.69B▲ 4.1% | 695.26B▼ 12.5% | 1.07T▲ 54.5% | 901.11B▼ 16.1% | 691.38B▼ 23.3% | 1.08T▲ 56.1% | 1.25T▲ 15.4% |
| Operating Margin % | 29.03% | 28.87% | 28.27% | 25.98% | 31.84% | 19.09% | 13.24% | 22.02% | 26.73% |
| Operating Income Growth % | 22.13% | 6.36% | 4.14% | -12.51% | 54.49% | -16.11% | -23.27% | 56.15% | 15.36% |
| Pretax Income | 717.46B▲ 0% | 763.07B▲ 6.4% | 794.69B▲ 4.1% | 695.26B▼ 12.5% | 1.07T▲ 54.5% | 901.11B▼ 16.1% | 691.38B▼ 23.3% | 1.08T▲ 56.1% | 1.25T▲ 15.4% |
| Pretax Margin % | 29.03% | 28.87% | 28.27% | 25.98% | 31.84% | 19.09% | 13.24% | 22.02% | 26.73% |
| Income Tax | 145.03B | 167.14B | 175.07B | 142.53B | 221.66B | 93.62B | 97.55B | 219.75B | 207.36B |
| Effective Tax Rate % | 20.21% | 21.9% | 22.03% | 20.5% | 20.64% | 10.39% | 14.11% | 20.35% | 16.65% |
| Net Income | 562.8B▲ 0% | 595.33B▲ 5.8% | 619.09B▲ 4.0% | 547.61B▼ 11.5% | 842.47B▲ 53.8% | 792.28B▼ 6.0% | 579.43B▼ 26.9% | 852.96B▲ 47.2% | 1.02T▲ 19.8% |
| Net Margin % | 22.77% | 22.52% | 22.03% | 20.47% | 24.97% | 16.78% | 11.1% | 17.4% | 21.92% |
| Net Income Growth % | 18.22% | 5.78% | 3.99% | -11.55% | 53.84% | -5.96% | -26.87% | 47.21% | 19.78% |
| Net Income (Continuing) | 572.43B | 595.92B | 619.61B | 552.73B | 852.43B | 807.48B | 593.84B | 859.85B | 1.04T |
| EPS (Diluted) | 1200.00▲ 0% | 1256.00▲ 4.7% | 1316.00▲ 4.8% | 1164.00▼ 11.6% | 1788.00▲ 53.6% | 1680.00▼ 6.0% | 1052.00▼ 37.4% | 1812.00▲ 72.2% | 894400.00▲ 49259.8% |
| EPS Growth % | 19.52% | 4.67% | 4.78% | -11.55% | 53.61% | -6.04% | -37.38% | 72.24% | 49259.82% |
| EPS (Basic) | 1200.00 | 1256.00 | 1316.00 | 1164.00 | 1788.00 | 1680.00 | 1052.00 | 1812.00 | 894400.00 |
| Diluted Shares Outstanding | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 1.18M |
Banco Santander-Chile (BSAC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 5.02T | 5.06T | 8.51T | 11.16T | 11.14T | 11.3T | 10.52T | 7.61T | 6.64T |
| Cash & Due from Banks | 2.45T | 2.59T | 4.22T | 3.87T | 5.26T | 5.27T | 5.78T | 5.12T | 5.24T |
| Short Term Investments | 2.57T | 2.47T | 4.28T | 7.3T | 5.87T | 6.03T | 4.74T | 2.5T | 1.4T |
| Total Investments | 5.71T | 35.02T | 8.64T | 14.67T | 56.55T | 17.02T | 17.71T | 61.43T | 57.42T |
| Investments Growth % | -21.17% | 512.81% | -75.32% | 69.74% | 285.5% | -69.91% | 4.09% | 246.86% | -6.53% |
| Long-Term Investments | 3.14T | 32.55T | 4.36T | 7.37T | 50.68T | 10.98T | 12.97T | 58.94T | 56.02T |
| Accounts Receivables | 59.57B | 59.51B | 147.11B | 100.5B | 92.04B | 184.99B | 199.75B | 209.71B | 99.44B |
| Goodwill & Intangibles | 63.22B | 66.92B | 73.39B | 82.54B | 95.41B | 107.79B | 97.55B | 88.67B | 91.47B |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 63.22B | 66.92B | 73.39B | 82.54B | 95.41B | 107.79B | 97.55B | 88.67B | 91.47B |
| PP&E (Net) | 242.55B | 253.59B | 408.33B | 388.85B | 374.82B | 371.89B | 352.27B | 312.64B | 272.44B |
| Other Assets | -371.09B | 136.02B | -462.87B | 0 | 226.65B | -641.25B | -553.48B | 81.86B | 4.59T |
| Total Current Assets | 6.67T | 5.73T | 8.78T | 11.37T | 11.76T | 11.81T | 10.9T | 8.98T | 6.79T |
| Total Non-Current Assets | 3.45T | 33.4T | 4.84T | 7.84T | 52.09T | 11.46T | 13.42T | 59.42T | 61.36T |
| Total Assets | 35.8T▲ 0% | 39.13T▲ 9.3% | 50.57T▲ 29.2% | 55.7T▲ 10.1% | 63.84T▲ 14.6% | 68.42T▲ 7.2% | 71.09T▲ 3.9% | 68.4T▼ 3.8% | 68.15T▼ 0.4% |
| Asset Growth % | -3.25% | 9.3% | 29.24% | 10.14% | 14.61% | 7.17% | 3.9% | -3.78% | -0.37% |
| Return on Assets (ROA) | 1.55% | 1.59% | 1.38% | 1.03% | 1.41% | 1.2% | 0.83% | 1.22% | 1.5% |
| Accounts Payable | 370.24B | 344.06B | 375.71B | 376.22B | 607.95B | 603.01B | 492.28B | 528.72B | 647.79B |
| Total Debt | 8.81T | 10.17T | 13.6T | 14.69T | 10.38T | 10.9T | 12.71T | 14.73T | 15.88T |
| Net Debt | 6.36T | 7.58T | 9.37T | 10.83T | 5.12T | 5.63T | 6.93T | 9.61T | 10.64T |
| Long-Term Debt | 8.81T | 9.95T | 13.44T | 14.55T | 10.15T | 10.45T | 12.32T | 14.38T | 13.08T |
| Short-Term Debt | 0 | 48.55B | 0 | 0 | 86.63B | 315.36B | 282.58B | 276.59B | 2.76T |
| Other Liabilities | 0 | 3.51T | 0 | 0 | 21.69T | 0 | 0 | 17.92T | 16.57T |
| Total Current Liabilities | 210.84B | 22.24T | 223.73B | 241.43B | 27.02T | 442.67B | 513B | 30.69T | 32.72T |
| Total Non-Current Liabilities | 8.82T | 13.65T | 13.7T | 14.83T | 32.39T | 10.94T | 12.62T | 32.36T | 29.69T |
| Total Liabilities | 32.7T | 35.89T | 47.1T | 52T | 59.41T | 63.46T | 65.77T | 63.04T | 62.41T |
| Total Equity | 3.11T▲ 0% | 3.25T▲ 4.4% | 3.48T▲ 7.2% | 3.7T▲ 6.5% | 4.43T▲ 19.5% | 4.96T▲ 12.1% | 5.32T▲ 7.1% | 5.36T▲ 0.8% | 5.74T▲ 7.0% |
| Equity Growth % | 7.25% | 4.42% | 7.18% | 6.5% | 19.51% | 12.11% | 7.12% | 0.78% | 7.04% |
| Equity / Assets (Capital Ratio) | 8.68% | 8.29% | 6.88% | 6.65% | 6.94% | 7.25% | 7.48% | 7.83% | 8.42% |
| Return on Equity (ROE) | 18.74% | 18.74% | 18.41% | 15.25% | 20.72% | 16.87% | 11.27% | 15.98% | 18.42% |
| Book Value per Share | 6597.24 | 6888.89 | 7383.55 | 7863.84 | 9398.07 | 10536.59 | 11287.23 | 11375.04 | 999999.00 |
| Tangible BV per Share | 6463.05 | 6746.83 | 7227.77 | 7688.64 | 9195.54 | 10307.79 | 11080.17 | 11186.83 | 4793667.24 |
| Common Stock | 891.3B | 891.3B | 891.3B | 891.3B | 891.3B | 891.3B | 891.3B | 891.3B | 891.3B |
| Additional Paid-in Capital | 0 | 891.3B | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 395.37B | 373.62B | 393.68B | 410.5B | 647.07B | 679.44B | 537.46B | 499.17B | 661.6B |
| Accumulated OCI | 1.78T | 1.04T | 2.11T | 2.32T | 2.2T | 2.69T | 3.16T | 3.17T | 3.43T |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Banco Santander-Chile (BSAC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -416.36B | 1.02T | 1.86T | -819.99B | -3.19T | -358.99B | -2.17T | 482.39B | 704.9B |
| Operating CF Growth % | -156.56% | 345.58% | 81.48% | -144.19% | -288.65% | 88.74% | -503.16% | 122.28% | 46.13% |
| Net Income | 575.25B | 599.69B | 621.31B | 215.99B | 842.47B | 792.28B | 496.4B | 852.96B | 1.05T |
| Depreciation & Amortization | 77.82B | 79.28B | 106.09B | 109.43B | 122.06B | 129.99B | 143.76B | 141.44B | 0 |
| Deferred Taxes | -6.75B | -25.52B | 37.43B | -28.46B | 0 | -52.18B | 0 | 12.66B | 0 |
| Other Non-Cash Items | 47.98B | 1.24T | 1.61T | -417.48B | 592.28B | -304.13B | -175.53B | -994.43B | -831.96B |
| Working Capital Changes | -1.11T | -867.54B | -516.45B | -697.87B | -4.74T | -923.77B | -2.63T | 470.59B | 483.65B |
| Cash from Investing | -73.46B | -91.56B | -141.79B | -70.11B | -84.27B | -94.6B | -100.08B | -106.58B | -1.29T |
| Purchase of Investments | -3M | 0 | -62.14B | -3.02T | 0 | -647.48B | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 1.93B | 3.01T | 0 | 628.79B | 0 | 0 | 0 |
| Net Investment Activity | -3M | 0 | -60.21B | -7.57B | 0 | -18.69B | 0 | 0 | 0 |
| Acquisitions | -3M | 0 | 0 | 7.57B | 0 | 18.69B | 0 | 0 | 0 |
| Other Investing | -14.68B | -23.24B | -24.19B | 15.68B | -26.28B | 18.69B | -43.42B | -43.42B | -1.29T |
| Cash from Financing | -330.64B | -423.61B | -385.29B | 102.09B | 2.83T | -384.32B | 2.95T | -372.85B | -50.06B |
| Dividends Paid | -330.64B | -423.61B | -355.14B | -331.25B | -310.47B | -464.98B | -485.19B | -347.48B | -570.84B |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 0 | 0 | -1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K |
| Other Financing | 0 | 0 | 0 | 0 | 2.59T | 0 | 3T | 0 | -546.66B |
| Net Change in Cash | -851.86B▲ 0% | 621.81B▲ 173.0% | 1.46T▲ 134.0% | -816.71B▼ 156.1% | -2.73B▲ 99.7% | -812.01B▼ 29698.5% | 680.84B▲ 183.8% | 10.28B▼ 98.5% | -2.77T▼ 27060.5% |
| Exchange Rate Effect | -31.4B | 114.5B | 126.67B | -28.71B | 437.56B | 25.9B | -1.78B | 7.32B | 637.69B |
| Cash at Beginning | 2.49T | 1.63T | 2.26T | 3.71T | 2.89T | 2.89T | 2.08T | 2.76T | 2.77T |
| Cash at End | 1.63T | 2.26T | 3.71T | 2.89T | 2.89T | 2.08T | 2.76T | 2.77T | 0 |
| Interest Paid | 0 | 0 | 0 | 0 | 1.11T | 0 | 4.11T | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | -507.75B▲ 0% | 924.6B▲ 282.1% | 1.77T▲ 90.9% | -905.78B▼ 151.3% | -3.24T▼ 258.2% | -472.28B▲ 85.4% | -2.22T▼ 370.5% | 374.67B▲ 116.9% | 624.4B▲ 66.7% |
| FCF Growth % | -178.54% | 282.1% | 90.93% | -151.31% | -258.25% | 85.45% | -370.47% | 116.86% | 66.66% |
Banco Santander-Chile (BSAC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 16.7% | 18.74% | 18.74% | 18.41% | 15.25% | 20.72% | 16.87% | 11.27% | 15.98% | 18.42% |
| Return on Assets (ROA) | 1.33% | 1.55% | 1.59% | 1.38% | 1.03% | 1.41% | 1.2% | 0.83% | 1.22% | 1.5% |
| Net Interest Margin | 3.46% | 3.71% | 3.61% | 2.8% | 2.86% | 2.81% | 2.29% | 1.54% | 2.61% | 2.92% |
| Efficiency Ratio | 29.41% | 29.13% | 27.72% | 28.04% | 32.28% | 26.63% | 20.05% | 17.17% | 20.62% | 22.11% |
| Equity / Assets | 7.83% | 8.68% | 8.29% | 6.88% | 6.65% | 6.94% | 7.25% | 7.48% | 7.83% | 8.42% |
| Book Value / Share | 6.15K | 6.6K | 6.89K | 7.38K | 7.86K | 9.4K | 10.54K | 11.29K | 11.38K | 1000K |
| NII Growth | 2.08% | 3.54% | 6.61% | 0.18% | 12.48% | 12.61% | -12.52% | -30.38% | 63.47% | 11.19% |
| Dividend Payout | 70.72% | 58.75% | 71.16% | 57.36% | 60.49% | 36.85% | 58.69% | 83.74% | 40.74% | 55.87% |
Banco Santander-Chile (BSAC) stock FAQ — growth, dividends, profitability & financials explained
Banco Santander-Chile (BSAC) saw revenue decline by 5.0% over the past year.
Yes, Banco Santander-Chile (BSAC) is profitable, generating $1.05T in net income for fiscal year 2025 (21.9% net margin).
Yes, Banco Santander-Chile (BSAC) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.
Banco Santander-Chile (BSAC) has a return on equity (ROE) of 18.4%. This is reasonable for most industries.
Banco Santander-Chile (BSAC) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
Banco Santander-Chile (BSAC) has an efficiency ratio of 22.1%. This is excellent, indicating strong cost control.
Banco Santander-Chile (BSAC) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates