Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Banco Santander-Chile's quarterly P/E stands at 0.0x, up 79.6% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 7.8% YoY to 7.0x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 0.03 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.04 | 0.02 | 0.02 |
| — | +79.6% | +25.7% | +7.1% | -49.9% | -9.2% | -73.7% | -42.3% | +25.1% | -59.9% | +327.6% | +162.5% | +37.0% | |
| P/S Ratio | 2.75 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| — | +258.4% | -34.5% | +37.3% | +27.6% | +6.3% | +148.5% | +10.1% | +8.0% | +14.9% | +38.2% | +7.0% | -53.5% | |
| 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 | 0.00 | 0.00 |
| — | +54.1% | +17.2% | +24.4% | +9.8% | -4.0% | +13.0% | -0.3% | +4.3% | +14.9% | +20.3% | -0.4% | -25.6% | |
| P/FCF | 20.53 | — | 0.01 | 0.00 | — | 2.16 | 2.27 | 0.00 | — | 1.49 | — | — | 0.00 |
| — | — | -99.7% | -24.7% | — | +45.7% | — | — | — | +27.6% | — | — | +32.1% | |
| EV / EBITDA | 16.99 | 7.00 | 8.34 | 8.86 | 6.87 | 6.49 | 8.84 | 10.34 | 14.85 | 4.88 | 17.93 | 12.33 | 12.79 |
| — | +7.8% | -5.7% | -14.3% | -53.7% | +33.2% | -50.7% | -16.2% | +16.1% | -61.2% | +23.3% | +9.3% | +77.8% | |
| EV / EBIT | 18.84 | 9.52 | 9.24 | 9.75 | 7.59 | 7.19 | 10.75 | 11.62 | 18.24 | 5.43 | 26.62 | 15.42 | 15.71 |
| — | +32.5% | -14.0% | -16.1% | -58.4% | +32.3% | -59.6% | -24.6% | +16.1% | -67.1% | +118.6% | +24.2% | +97.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Banco Santander-Chile's operating margin was 60.6% in Q4 2025, up 32.6 pp QoQ and up 33.7 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 36.9% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 388.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 48.8% | 193.1% | 47.9% | 52.7% | 47.4% | 39.5% | 111.8% | 47.2% | 31.4% | 33.1% | 25.1% | 30.2% | 24.0% |
| — | +388.9% | -57.2% | +11.7% | +51.1% | +19.2% | +345.0% | +56.3% | +30.8% | +199.0% | -40.0% | -39.8% | -47.2% | |
| Operating Margin | 26.7% | 60.6% | 28.0% | 27.4% | 31.8% | 26.9% | 60.0% | 22.9% | 13.6% | 23.4% | 6.1% | 10.3% | 13.9% |
| — | +125.1% | -53.4% | +19.6% | +133.5% | +15.2% | +882.4% | +121.1% | -2.0% | +249.4% | -60.5% | -60.3% | -68.0% | |
| Net Margin | 21.9% | 44.7% | 22.7% | 22.8% | 26.4% | 21.9% | 43.5% | 17.8% | 10.3% | 19.0% | 4.6% | 9.4% | 12.0% |
| — | +104.1% | -47.8% | +28.3% | +155.6% | +14.9% | +842.7% | +88.7% | -13.7% | +184.2% | -67.8% | -58.8% | -66.1% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 18.4% | 4.9% | 5.3% | 6.0% | 5.6% | 5.6% | 5.6% | 5.1% | 2.5% | 5.4% | 1.3% | 3.1% | 3.0% |
| — | -12.9% | -6.0% | +17.7% | +125.0% | +4.1% | +328.7% | +65.9% | -17.0% | +182.1% | -72.8% | -59.9% | -47.3% | |
| ROA | 1.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.2% | 0.4% | 0.1% | 0.2% | 0.2% |
| — | -7.5% | +1.6% | +34.4% | +148.7% | +11.8% | +352.0% | +65.3% | -16.2% | +204.0% | -68.5% | -57.3% | -47.7% | |
| ROIC | 4.5% | 1.3% | 1.1% | 1.2% | 1.3% | 1.2% | 1.3% | 1.1% | 0.6% | 1.4% | 0.3% | 0.6% | 0.7% |
| — | +0.4% | -12.3% | +16.2% | +108.0% | -9.4% | +266.0% | +87.0% | -1.8% | +288.0% | -50.6% | -50.6% | -49.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Banco Santander-Chile's Debt/EBITDA ratio is 41.7x, down from 45.0x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 29.2% YoY to 0.21x, tightening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.77 | 2.77 | 3.23 | 3.70 | 2.90 | 2.75 | 3.66 | 3.66 | 3.45 | 2.39 | 2.89 | 2.75 | 4.05 |
| — | +0.7% | -11.8% | +0.9% | -16.0% | +15.0% | +26.9% | +33.1% | -14.9% | +8.8% | -29.6% | -47.9% | +3.1% | |
| Debt / EBITDA | 11.50 | 41.71 | 45.02 | 47.56 | 35.30 | 39.76 | 42.84 | 49.99 | 75.95 | 35.71 | 112.10 | 67.65 | 84.39 |
| — | +4.9% | +5.1% | -4.9% | -53.5% | +11.3% | -61.8% | -26.1% | -10.0% | -63.2% | +15.7% | +23.8% | +82.1% | |
| Current Ratio | 0.21 | 0.21 | 0.25 | 0.25 | 0.21 | 0.29 | 0.22 | 0.25 | 0.26 | 21.24 | 0.47 | 0.43 | 30.29 |
| — | -29.2% | +13.6% | +0.0% | -22.4% | -98.6% | -53.1% | -42.8% | -99.1% | -20.4% | -98.8% | +40.0% | +19.8% | |
| Quick Ratio | 0.21 | 0.21 | 0.25 | 0.25 | 0.21 | 0.29 | 0.22 | 0.25 | 0.26 | 21.24 | 0.47 | 0.43 | 30.29 |
| — | -29.2% | +13.6% | +0.0% | -22.4% | -98.6% | -53.1% | -42.8% | -99.1% | -20.4% | -98.8% | +40.0% | +19.8% | |
| Interest Coverage | 0.69 | 0.60 | 0.72 | 0.78 | 0.81 | 0.52 | 0.64 | 0.54 | 0.24 | 0.34 | 0.09 | 0.17 | 0.21 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
Analyst consensus, bull case, AI-generated risk factors, and peer comparison — all in one place.
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorDCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare business quality, growth, and profitability against top sector peers.
Start ComparisonQuick answers to the most common questions about buying BSAC stock.
Banco Santander-Chile's current P/E is 0.0x. The average P/E over the last 4 quarters is 0.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Banco Santander-Chile's current operating margin is 26.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Banco Santander-Chile's business trajectory between earnings reports.