Banco Santander-Chile (BSAC) Financial Ratios
28 years of historical data (1998–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
17.45
↑+159% vs avg
5yr avg: 6.73
30Y Low4.0·High21.9
P/FCF
↓
21.54
↑+181090% vs avg
5yr avg: 0.01
30Y Low0.0·High0.0
P/B Ratio
↓
0.03
↑+2042% vs avg
5yr avg: 0.00
30Y Low0.0·High0.0
ROE
↓
18.4%
↓+11% vs avg
5yr avg: 16.7%
30Y Low11%·High28%
Debt/EBITDA
↑
11.50
↓-1% vs avg
5yr avg: 11.60
30Y Low6.9·High27.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BSAC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Banco Santander-Chile trades at 0.0x earnings, 236% above its 5-year average of 0.0x, sitting at the 82nd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 100%. On a free-cash-flow basis, the stock trades at 21.5x P/FCF, 181090% above the 5-year average of 0.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $14.8B | $37M | $8.9B | $9.2B | $7.5B | $7.7B | $8.9B | $10.9B | $14.1B | $14.7B | $10.3B |
| Enterprise Value | $26.6B | $10.64T | $9.62T | $6.94T | $5.64T | $5.12T | $10.84T | $9.38T | $7.59T | $6.38T | $6.11T |
| P/E Ratio → | 0.03 | 0.00 | 0.01 | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.03 | 0.02 |
| P/S Ratio | 2.89 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 |
| P/B Ratio | 0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/FCF | 21.54 | 0.00 | 0.02 | — | — | — | — | 0.01 | 0.02 | — | 0.02 |
| P/OCF | 19.08 | 0.00 | 0.02 | — | — | — | — | 0.01 | 0.01 | — | 0.01 |
P/E links to full P/E history page with 30-year chart
BSAC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Banco Santander-Chile's enterprise value stands at 17.4x EBITDA, 159% above its 5-year average of 6.7x. The Financial Services sector median is 11.4x, placing the stock at a 53% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.28 | 1.96 | 1.33 | 1.19 | 1.52 | 4.05 | 3.34 | 2.87 | 2.58 | 2.42 |
| EV / EBITDA | 17.45 | 7.71 | 7.88 | 8.31 | 5.47 | 4.28 | 13.47 | 10.42 | 9.01 | 8.02 | 9.36 |
| EV / EBIT | 19.34 | 8.54 | 8.91 | 10.04 | 6.26 | 4.77 | 15.59 | 11.81 | 9.95 | 8.89 | 10.40 |
| EV / FCF | — | 17.04 | 25.67 | — | — | — | — | 5.32 | 8.21 | — | 9.45 |
BSAC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Banco Santander-Chile earns an operating margin of 26.7%, above the Financial Services sector average of 21.2%. Operating margins have expanded from 13.2% to 26.7% over the past 3 years, signaling improving operational efficiency. ROE of 18.4% indicates solid capital efficiency, compared to the sector median of 9.4%. ROIC of 4.5% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 48.8% | 48.8% | 42.6% | 30.4% | 39.1% | 58.5% | 58.3% | 56.3% | 56.6% | 58.2% | 52.6% |
| Operating Margin | 26.7% | 26.7% | 22.0% | 13.2% | 19.1% | 31.8% | 26.0% | 28.3% | 28.9% | 29.0% | 23.2% |
| Net Profit Margin | 21.9% | 21.9% | 17.4% | 11.1% | 16.8% | 25.0% | 20.5% | 22.0% | 22.5% | 22.8% | 18.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 18.4% | 18.4% | 16.0% | 11.3% | 16.9% | 20.7% | 15.2% | 18.4% | 18.7% | 18.7% | 16.7% |
| ROA | 1.5% | 1.5% | 1.2% | 0.8% | 1.2% | 1.4% | 1.0% | 1.4% | 1.6% | 1.5% | 1.3% |
| ROIC | 4.5% | 4.5% | 4.2% | 3.1% | 4.4% | 4.9% | 2.9% | 3.9% | 4.5% | 4.5% | 3.9% |
| ROCE | 3.4% | 3.4% | 2.0% | 1.0% | 1.7% | 2.3% | 1.3% | 2.4% | 2.9% | 2.0% | 2.3% |
BSAC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Banco Santander-Chile carries a Debt/EBITDA ratio of 11.5x, which is highly leveraged (178% above the sector average of 4.1x). Net debt stands at $10.6T ($15.9T total debt minus $5.2T cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.77 | 2.77 | 2.75 | 2.39 | 2.20 | 2.34 | 3.97 | 3.91 | 3.13 | 2.83 | 3.20 |
| Debt / EBITDA | 11.50 | 11.50 | 12.06 | 15.21 | 10.57 | 8.68 | 18.26 | 15.10 | 12.07 | 11.08 | 14.20 |
| Net Debt / Equity | — | 1.85 | 1.79 | 1.30 | 1.13 | 1.16 | 2.92 | 2.69 | 2.33 | 2.05 | 2.10 |
| Net Debt / EBITDA | 7.71 | 7.71 | 7.87 | 8.30 | 5.46 | 4.28 | 13.46 | 10.40 | 8.99 | 8.00 | 9.34 |
| Debt / FCF | — | 17.04 | 25.65 | — | — | — | — | 5.31 | 8.19 | — | 9.43 |
| Interest Coverage | 0.69 | 0.69 | 0.47 | 0.21 | 0.36 | 0.97 | 1.09 | 0.88 | 0.92 | 0.98 | 0.69 |
BSAC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.21x is below 1.0, meaning current liabilities exceed current assets — though the company's $5.2T cash position helps mitigate short-term liquidity concerns. The current ratio has declined from 21.24x to 0.21x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.21 | 0.21 | 0.29 | 21.24 | 26.69 | 0.44 | 47.08 | 39.23 | 0.26 | 31.65 | 46.72 |
| Quick Ratio | 0.21 | 0.21 | 0.29 | 21.24 | 26.69 | 0.44 | 47.08 | 39.23 | 0.26 | 31.65 | 46.72 |
| Cash Ratio | 0.16 | 0.16 | 0.17 | 11.26 | 11.90 | 0.19 | 16.01 | 18.88 | 0.12 | 11.60 | 18.04 |
| Asset Turnover | — | 0.07 | 0.07 | 0.07 | 0.07 | 0.05 | 0.05 | 0.06 | 0.07 | 0.07 | 0.07 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BSAC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Banco Santander-Chile returns 100.0% to shareholders annually primarily through dividends. A payout ratio of 55.9% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 100.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Payout Ratio | 55.9% | 55.9% | 40.7% | 83.7% | 58.7% | 36.9% | 60.5% | 57.4% | 71.2% | 58.7% | 70.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 100.0% | 2874959.8% | 9607.6% | 5397.6% | 10606.1% | 10976.1% | 6129.5% | 5704.4% | 4200.7% | 3837.5% | 4590.8% |
| FCF Yield | 4.6% | 1704446.6% | 4216.7% | — | — | — | — | 16242.5% | 6563.8% | — | 6274.9% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Shares Outstanding | — | $1M | $471M | $471M | $471M | $471M | $471M | $471M | $471M | $471M | $471M |
Peer Comparison
Compare BSAC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BSACYou | $15B | 0.0 | 17.4 | 21.5 | 48.8% | 26.7% | 18.4% | 4.5% | 11.5 |
 BCH | $19B | 14.5 | 19.9 | 39.1 | 100.0% | 100.0% | 19.4% | 10.3% | 9.7 |
 BBD | $41B | 8.7 | — | — | 34.6% | -1.1% | 13.3% | -0.3% | — |
 ITUB | $93B | 10.6 | 20.9 | 3.6 | 34.5% | 13.1% | 20.6% | 3.2% | 17.6 |
 SAN | $182B | 12.1 | 21.6 | — | 40.0% | 15.6% | 12.8% | 2.3% | 22.7 |
 BSBR | $45B | 18.1 | 7.7 | 165.5 | 27.5% | 11.0% | 10.4% | 4.9% | 6.7 |
 BAP | $26B | 16.5 | 9.4 | 6.7 | 64.2% | 29.0% | 16.2% | 8.2% | 4.4 |
 GGAL | $6B | 5.1 | 2.7 | — | 62.7% | 20.8% | 40.2% | 31.0% | 0.9 |
 BMA | $5B | 21.1 | 8.9 | 8.5 | 68.3% | 5.6% | 7.7% | 5.5% | 0.9 |
 SUPV | $765M | -18.7 | — | — | 39.5% | -4.8% | -6.3% | -5.7% | — |
 BBAR | $3B | 12.6 | 3.8 | — | 65.9% | 8.5% | 12.7% | 10.7% | 0.7 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 28 years · Updated daily
Full BSAC Stock Analysis
Analyst consensus, bull case, AI-generated risk factors, and peer comparison — all in one place.
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Side-by-side business, growth, and profitability comparison vs Banco de Chile.
Start ComparisonBSAC — Frequently Asked Questions
Quick answers to the most common questions about buying BSAC stock.
What is Banco Santander-Chile's P/E ratio?
Banco Santander-Chile's current P/E ratio is 0.0x. The historical average is 0.0x. This places it at the 82th percentile of its historical range.
What is Banco Santander-Chile's EV/EBITDA?
Banco Santander-Chile's current EV/EBITDA is 17.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 8.9x.
What is Banco Santander-Chile's ROE?
Banco Santander-Chile's return on equity (ROE) is 18.4%. The historical average is 19.7%.
Is BSAC stock overvalued?
Based on historical data, Banco Santander-Chile is trading at a P/E of 0.0x. This is at the 82th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Banco Santander-Chile's dividend yield?
Banco Santander-Chile's current dividend yield is 100.00% with a payout ratio of 55.9%.
What are Banco Santander-Chile's profit margins?
Banco Santander-Chile has 48.8% gross margin and 26.7% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Banco Santander-Chile have?
Banco Santander-Chile's Debt/EBITDA ratio is 11.5x, indicating high leverage. A ratio above 4x may signal elevated financial risk.