BANCO SANTANDER-CHILE-ADR (BSAC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BSAC - US05965X1090 - ADR
30.17 USD
-0.81 (-2.61%)
Taking everything into account, BSAC scores 3 out of 10 in our fundamental rating. BSAC was compared to 387 industry peers in the Banks industry. While BSAC is still in line with the averages on profitability rating, there are concerns on its financial health. BSAC is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
BSAC had positive earnings in each of the past 5 years.
In multiple years BSAC reported negative operating cash flow during the last 5 years.
1.2 Ratios
BSAC has a Return On Assets of 1.57%. This is amongst the best in the industry. BSAC outperforms 89.92% of its industry peers.
The Return On Equity of BSAC (23.39%) is better than 99.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.57% | ||
| ROE | 23.39% | ||
| ROIC | N/A |
ROA(3y)1.05%
ROA(5y)1.06%
ROE(3y)16.98%
ROE(5y)17.65%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BSAC's Profit Margin of 31.11% is amongst the best of the industry. BSAC outperforms 83.46% of its industry peers.
BSAC's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BSAC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 31.11% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.43%
PM growth 5Y3.1%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for BSAC remains at a similar level compared to 1 year ago.
BSAC has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, BSAC has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BSAC is 15.71, which is on the high side as it means it would take BSAC, 15.71 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 15.71, BSAC is not doing good in the industry: 81.91% of the companies in the same industry are doing better.
A Debt/Equity ratio of 2.63 is on the high side and indicates that BSAC has dependencies on debt financing.
BSAC's Debt to Equity ratio of 2.63 is on the low side compared to the rest of the industry. BSAC is outperformed by 91.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.63 | ||
| Debt/FCF | 15.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BSAC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 40.30%, which is quite impressive.
The Earnings Per Share has been growing by 9.13% on average over the past years. This is quite good.
BSAC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.54%.
Measured over the past years, BSAC shows a small growth in Revenue. The Revenue has been growing by 5.93% on average per year.
EPS 1Y (TTM)40.3%
EPS 3Y3.53%
EPS 5Y9.13%
EPS Q2Q%1.56%
Revenue 1Y (TTM)14.54%
Revenue growth 3Y6.01%
Revenue growth 5Y5.93%
Sales Q2Q%2.46%
3.2 Future
Based on estimates for the next years, BSAC will show a small growth in Earnings Per Share. The EPS will grow by 6.04% on average per year.
Based on estimates for the next years, BSAC will show a small growth in Revenue. The Revenue will grow by 5.52% on average per year.
EPS Next Y22.98%
EPS Next 2Y13.3%
EPS Next 3Y10.92%
EPS Next 5Y6.04%
Revenue Next Year12.52%
Revenue Next 2Y8.9%
Revenue Next 3Y8.16%
Revenue Next 5Y5.52%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y13.3%
EPS Next 3Y10.92%
5. Dividend
5.1 Amount
BSAC has a Yearly Dividend Yield of 3.41%.
Compared to an average industry Dividend Yield of 3.15, BSAC pays a bit more dividend than its industry peers.
BSAC's Dividend Yield is a higher than the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.41% |
5.2 History
The dividend of BSAC decreases each year by -0.44%.
BSAC has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of BSAC decreased recently.
Dividend Growth(5Y)-0.44%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
55.88% of the earnings are spent on dividend by BSAC. This is a bit on the high side, but may be sustainable.
DP55.88%
EPS Next 2Y13.3%
EPS Next 3Y10.92%
NYSE:BSAC (12/5/2025, 1:22:06 PM)
30.17
-0.81 (-2.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners18.91%
Inst Owner Change4.36%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap14.21B
Revenue(TTM)3.45T
Net Income(TTM)1.07T
Analysts72
Price Target29.73 (-1.46%)
Short Float %0.37%
Short Ratio1.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.41% |
Yearly DividendN/A
Dividend Growth(5Y)-0.44%
DP55.88%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.28%
Min EPS beat(2)-5.4%
Max EPS beat(2)0.85%
EPS beat(4)3
Avg EPS beat(4)1.8%
Min EPS beat(4)-5.4%
Max EPS beat(4)9.65%
EPS beat(8)4
Avg EPS beat(8)-0.47%
EPS beat(12)5
Avg EPS beat(12)-7.2%
EPS beat(16)8
Avg EPS beat(16)-2.38%
Revenue beat(2)0
Avg Revenue beat(2)-2.06%
Min Revenue beat(2)-3.62%
Max Revenue beat(2)-0.49%
Revenue beat(4)1
Avg Revenue beat(4)-1.55%
Min Revenue beat(4)-3.62%
Max Revenue beat(4)0.11%
Revenue beat(8)3
Avg Revenue beat(8)-2.33%
Revenue beat(12)4
Avg Revenue beat(12)-1.48%
Revenue beat(16)8
Avg Revenue beat(16)3.17%
PT rev (1m)3.3%
PT rev (3m)23.17%
EPS NQ rev (1m)-2.65%
EPS NQ rev (3m)-2.65%
EPS NY rev (1m)0.15%
EPS NY rev (3m)0.15%
Revenue NQ rev (1m)-2.07%
Revenue NQ rev (3m)-2.07%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | N/A | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)N/A
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.57% | ||
| ROE | 23.39% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.11% | ||
| GM | N/A | ||
| FCFM | 33.18% |
ROA(3y)1.05%
ROA(5y)1.06%
ROE(3y)16.98%
ROE(5y)17.65%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.43%
PM growth 5Y3.1%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.63 | ||
| Debt/FCF | 15.71 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 69.11% | ||
| Cap/Sales | 2.74% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 106.65% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)70.12%
Cap/Depr(5y)67.23%
Cap/Sales(3y)3.66%
Cap/Sales(5y)3.4%
Profit Quality(3y)98.06%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)40.3%
EPS 3Y3.53%
EPS 5Y9.13%
EPS Q2Q%1.56%
EPS Next Y22.98%
EPS Next 2Y13.3%
EPS Next 3Y10.92%
EPS Next 5Y6.04%
Revenue 1Y (TTM)14.54%
Revenue growth 3Y6.01%
Revenue growth 5Y5.93%
Sales Q2Q%2.46%
Revenue Next Year12.52%
Revenue Next 2Y8.9%
Revenue Next 3Y8.16%
Revenue Next 5Y5.52%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-49.86%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y180.56%
FCF growth 3YN/A
FCF growth 5Y-11.63%
OCF growth 1Y135%
OCF growth 3YN/A
OCF growth 5Y-10.82%
BANCO SANTANDER-CHILE-ADR / BSAC FAQ
What is the ChartMill fundamental rating of BANCO SANTANDER-CHILE-ADR (BSAC) stock?
ChartMill assigns a fundamental rating of 3 / 10 to BSAC.
Can you provide the valuation status for BANCO SANTANDER-CHILE-ADR?
ChartMill assigns a valuation rating of 0 / 10 to BANCO SANTANDER-CHILE-ADR (BSAC). This can be considered as Overvalued.
How profitable is BANCO SANTANDER-CHILE-ADR (BSAC) stock?
BANCO SANTANDER-CHILE-ADR (BSAC) has a profitability rating of 4 / 10.
Can you provide the dividend sustainability for BSAC stock?
The dividend rating of BANCO SANTANDER-CHILE-ADR (BSAC) is 4 / 10 and the dividend payout ratio is 55.88%.