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BSAC logoBanco Santander-Chile(BSAC)Earnings, Financials & Key Ratios

BSAC•NYSE•Banking & Credit
$30.36
$14.3B mkt cap·0.0× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryNon-US regional and universal banks
AboutBanco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail Banking, Middle-Market, Corporate Investment Banking, and Corporate Activities segments. The company offers debit and credit cards, checking accounts, and savings products; consumer, automobile, commercial, mortgage, and government-guaranteed loans; and Chilean peso and foreign currency denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines, as well as mortgage financing services. It also provides mutual funds, insurance and securities brokerage, foreign exchange, financial leasing, factoring, financial consulting and advisory, investment management, foreign trade, treasury, and transactional services, as well as specialized services to finance projects for the real estate industry. In addition, the company offers short-term financing and fund raising, and brokerage services, as well as derivatives, securitization, and other tailor-made products. It serves individuals, small to middle-sized entities, companies, and large corporations, as well as universities, government entities, and local and regional governments. As of December 31, 2021, the company operated 326 branches, which include 220 under the Santander brand name, 14 under the Select brand name, 7 specialized branches for the middle market, and 22 as auxiliary and payment centers, as well as 1,338 ATMs, including depository ATMs. Banco Santander-Chile was incorporated in 1977 and is headquartered in Santiago, Chile.Show more
  • Net Interest Income$1986.68B+11.2%
  • Total Revenue$4660.08B-5.0%
  • Net Income$1021.65B+19.8%
  • Return on Equity18.42%+15.3%
  • Net Interest Margin2.92%+11.6%
  • Efficiency Ratio22.11%+7.2%
  • ROA1.5%+22.4%
  • Equity / Assets8.42%+7.4%
  • Book Value per Share999999.00+8691.2%
  • Tangible BV/Share4793667.24+42751.0%
  • Debt/Equity2.77+0.7%
Analysis→Technical→

BSAC Key Insights

Banco Santander-Chile (BSAC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 22.1% efficiency ratio
  • ✓Good 3Y average ROE of 15.2%
  • ✓Share count reduced 99.8% through buybacks
  • ✓Trading at only 0.0x book value

✗Weaknesses

  • ✗High debt to equity ratio of 2.8x

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BSAC Price & Volume

Banco Santander-Chile (BSAC) stock price & volume — 10-year historical chart

Loading chart...

BSAC Growth Metrics

Banco Santander-Chile (BSAC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years6.57%
5 Years11.73%
3 Years-0.43%
TTM-

Profit CAGR

10 Years8.58%
5 Years13.28%
3 Years8.85%
TTM23.48%

EPS CAGR

10 Years98.28%
5 Years277.67%
3 Years710.48%
TTM22.37%

Return on Capital

10 Years2.13%
5 Years2.09%
3 Years2.13%
Last Year3.41%

BSAC Recent Earnings

Banco Santander-Chile (BSAC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 4/12 qtrs (40%)
Q2 2026Latest
Apr 30, 2026
EPS
$0.63
Est $0.62
+1.6%
Revenue
$799M
Est $811M
-1.5%
Q1 2026
Jan 30, 2026
EPS
$0.59
Est $0.59
+0.0%
Revenue
$835M
Est $782M
+6.8%
Q4 2025
Oct 30, 2025
EPS
$0.50
Est $0.59
-15.8%
Revenue
$1.1B
Q3 2025
Jul 31, 2025
EPS
$0.60
Est $0.62
-3.2%
Revenue
$443M
Est $763M
-41.9%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 30, 2026
$0.63vs $0.62+1.6%
$799Mvs $811M-1.5%
Q1 2026Jan 30, 2026
$0.59vs $0.59+0.0%
$835Mvs $782M+6.8%
Q4 2025Oct 30, 2025
$0.50vs $0.59-15.8%
$1.1B
Q3 2025Jul 31, 2025
$0.60vs $0.62-3.2%
$443Mvs $763M-41.9%
Based on last 12 quarters of dataView full earnings history →

BSAC Peer Comparison

Banco Santander-Chile (BSAC) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
BCH logoBCHBanco de ChileDirect Competitor18.44B36.5114.01-43.11%45.09%20.56%2.64%2.41
BBD logoBBDBanco Bradesco S.A.Direct Competitor40.62B3.848.47-64.29%26.56%13.23%2.02
ITUB logoITUBItaú Unibanco Holding S.A.Direct Competitor94.45B8.5710.7718.03%11.66%20.64%27.49%4.71
SAN logoSANBanco Santander, S.A.Direct Competitor174.38B11.8811.64-7.71%11.76%12.76%4.40
BSBR logoBSBRBanco Santander (Brasil) S.A.Direct Competitor43.81B5.8517.7217.45%8.42%10.21%0.62%1.03
BAP logoBAPCredicorp Ltd.Product Competitor25.26B318.2816.066.4%20.38%17.35%15.23%1.07
GGAL logoGGALGrupo Financiero Galicia S.A.Product Competitor5.39B40.694.78-23.52%15.29%12.91%0.36
BMA logoBMABanco Macro S.A.Product Competitor4.37B69.6219.06-33.31%5.04%6.12%13.03%0.11

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

BSAC Income Statement

Banco Santander-Chile (BSAC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income1.33T1.41T1.42T1.59T1.79T1.57T1.09T1.79T1.99T
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 Income2.06T2.24T2.32T2.23T2.9T4.09T4.4T4.09T3.8T
Interest Expense731.75B829.95B904.42B638.48B1.11T2.52T3.31T2.31T1.81T
Loan Loss Provision302.25B317.41B323.31B478.26B291.23B356.49B322.79B504.59B575.31B
Non-Interest Income412.81B398.88B489.24B443.48B469.11B633.81B817.79B808.42B864.47B
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 Expense719.78B732.78B788.2B863.8B898.56B946.32B896.67B1.01T1.03T
Efficiency Ratio29.13%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 Tax145.03B167.14B175.07B142.53B221.66B93.62B97.55B219.75B207.36B
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)572.43B595.92B619.61B552.73B852.43B807.48B593.84B859.85B1.04T
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)1200.001256.001316.001164.001788.001680.001052.001812.00894400.00
Diluted Shares Outstanding471.12M471.12M471.12M471.12M471.12M471.12M471.12M471.12M1.18M

BSAC Balance Sheet

Banco Santander-Chile (BSAC) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments5.02T5.06T8.51T11.16T11.14T11.3T10.52T7.61T6.64T
Cash & Due from Banks2.45T2.59T4.22T3.87T5.26T5.27T5.78T5.12T5.24T
Short Term Investments2.57T2.47T4.28T7.3T5.87T6.03T4.74T2.5T1.4T
Total Investments5.71T35.02T8.64T14.67T56.55T17.02T17.71T61.43T57.42T
Investments Growth %-21.17%512.81%-75.32%69.74%285.5%-69.91%4.09%246.86%-6.53%
Long-Term Investments3.14T32.55T4.36T7.37T50.68T10.98T12.97T58.94T56.02T
Accounts Receivables59.57B59.51B147.11B100.5B92.04B184.99B199.75B209.71B99.44B
Goodwill & Intangibles63.22B66.92B73.39B82.54B95.41B107.79B97.55B88.67B91.47B
Goodwill000000000
Intangible Assets63.22B66.92B73.39B82.54B95.41B107.79B97.55B88.67B91.47B
PP&E (Net)242.55B253.59B408.33B388.85B374.82B371.89B352.27B312.64B272.44B
Other Assets-371.09B136.02B-462.87B0226.65B-641.25B-553.48B81.86B4.59T
Total Current Assets6.67T5.73T8.78T11.37T11.76T11.81T10.9T8.98T6.79T
Total Non-Current Assets3.45T33.4T4.84T7.84T52.09T11.46T13.42T59.42T61.36T
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 Payable370.24B344.06B375.71B376.22B607.95B603.01B492.28B528.72B647.79B
Total Debt8.81T10.17T13.6T14.69T10.38T10.9T12.71T14.73T15.88T
Net Debt6.36T7.58T9.37T10.83T5.12T5.63T6.93T9.61T10.64T
Long-Term Debt8.81T9.95T13.44T14.55T10.15T10.45T12.32T14.38T13.08T
Short-Term Debt048.55B0086.63B315.36B282.58B276.59B2.76T
Other Liabilities03.51T0021.69T0017.92T16.57T
Total Current Liabilities210.84B22.24T223.73B241.43B27.02T442.67B513B30.69T32.72T
Total Non-Current Liabilities8.82T13.65T13.7T14.83T32.39T10.94T12.62T32.36T29.69T
Total Liabilities32.7T35.89T47.1T52T59.41T63.46T65.77T63.04T62.41T
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 Share6597.246888.897383.557863.849398.0710536.5911287.2311375.04999999.00
Tangible BV per Share6463.056746.837227.777688.649195.5410307.7911080.1711186.834793667.24
Common Stock891.3B891.3B891.3B891.3B891.3B891.3B891.3B891.3B891.3B
Additional Paid-in Capital0891.3B0000000
Retained Earnings395.37B373.62B393.68B410.5B647.07B679.44B537.46B499.17B661.6B
Accumulated OCI1.78T1.04T2.11T2.32T2.2T2.69T3.16T3.17T3.43T
Treasury Stock000000000
Preferred Stock000000000

BSAC Cash Flow Statement

Banco Santander-Chile (BSAC) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations-416.36B1.02T1.86T-819.99B-3.19T-358.99B-2.17T482.39B704.9B
Operating CF Growth %-156.56%345.58%81.48%-144.19%-288.65%88.74%-503.16%122.28%46.13%
Net Income575.25B599.69B621.31B215.99B842.47B792.28B496.4B852.96B1.05T
Depreciation & Amortization77.82B79.28B106.09B109.43B122.06B129.99B143.76B141.44B0
Deferred Taxes-6.75B-25.52B37.43B-28.46B0-52.18B012.66B0
Other Non-Cash Items47.98B1.24T1.61T-417.48B592.28B-304.13B-175.53B-994.43B-831.96B
Working Capital Changes-1.11T-867.54B-516.45B-697.87B-4.74T-923.77B-2.63T470.59B483.65B
Cash from Investing-73.46B-91.56B-141.79B-70.11B-84.27B-94.6B-100.08B-106.58B-1.29T
Purchase of Investments-3M0-62.14B-3.02T0-647.48B000
Sale/Maturity of Investments001.93B3.01T0628.79B000
Net Investment Activity-3M0-60.21B-7.57B0-18.69B000
Acquisitions-3M007.57B018.69B000
Other Investing-14.68B-23.24B-24.19B15.68B-26.28B18.69B-43.42B-43.42B-1.29T
Cash from Financing-330.64B-423.61B-385.29B102.09B2.83T-384.32B2.95T-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 Repurchases000000000
Stock Issued000000000
Net Stock Activity000000000
Debt Issuance (Net)00-1000K1000K1000K1000K1000K-1000K1000K
Other Financing00002.59T03T0-546.66B
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-31.4B114.5B126.67B-28.71B437.56B25.9B-1.78B7.32B637.69B
Cash at Beginning2.49T1.63T2.26T3.71T2.89T2.89T2.08T2.76T2.77T
Cash at End1.63T2.26T3.71T2.89T2.89T2.08T2.76T2.77T0
Interest Paid00001.11T04.11T00
Income Taxes Paid000000000
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%

BSAC Banking Ratios

Banco Santander-Chile (BSAC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin3.46%3.71%3.61%2.8%2.86%2.81%2.29%1.54%2.61%2.92%
Efficiency Ratio29.41%29.13%27.72%28.04%32.28%26.63%20.05%17.17%20.62%22.11%
Equity / Assets7.83%8.68%8.29%6.88%6.65%6.94%7.25%7.48%7.83%8.42%
Book Value / Share6.15K6.6K6.89K7.38K7.86K9.4K10.54K11.29K11.38K1000K
NII Growth2.08%3.54%6.61%0.18%12.48%12.61%-12.52%-30.38%63.47%11.19%
Dividend Payout70.72%58.75%71.16%57.36%60.49%36.85%58.69%83.74%40.74%55.87%

BSAC Frequently Asked Questions

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

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More BSAC

Banco Santander-Chile (BSAC) financial analysis — history, returns, DCA and operating performance tools

Full BSAC Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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