BANCO SANTANDER-CHILE-ADR (BSAC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BSAC - US05965X1090 - ADR
31.11 USD
-0.23 (-0.73%)
31.11 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to BSAC. BSAC was compared to 388 industry peers in the Banks industry. BSAC has a medium profitability rating, but doesn't score so well on its financial health evaluation. BSAC is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
Each year in the past 5 years BSAC has been profitable.
In multiple years BSAC reported negative operating cash flow during the last 5 years.
1.2 Ratios
BSAC's Return On Assets of 1.57% is amongst the best of the industry. BSAC outperforms 89.43% of its industry peers.
Looking at the Return On Equity, with a value of 23.39%, BSAC belongs to the top of the industry, outperforming 99.48% of the companies in the same industry.
| 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
The Profit Margin of BSAC (31.11%) is better than 82.99% of its industry peers.
In the last couple of years the Profit Margin of BSAC has grown nicely.
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
Compared to 1 year ago, BSAC has about the same amount of shares outstanding.
BSAC has about the same amout of shares outstanding than it did 5 years ago.
BSAC has a better debt/assets ratio than last year.
2.2 Solvency
BSAC has a debt to FCF ratio of 15.71. This is a negative value and a sign of low solvency as BSAC would need 15.71 years to pay back of all of its debts.
BSAC has a worse Debt to FCF ratio (15.71) than 81.44% of its industry peers.
A Debt/Equity ratio of 2.63 is on the high side and indicates that BSAC has dependencies on debt financing.
With a Debt to Equity ratio value of 2.63, BSAC is not doing good in the industry: 90.98% of the companies in the same industry are doing better.
| 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
The Earnings Per Share has grown by an impressive 40.30% over the past year.
Measured over the past years, BSAC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.13% on average per year.
The Revenue has grown by 14.54% in the past year. This is quite good.
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.
BSAC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.52% yearly.
EPS Next Y23.01%
EPS Next 2Y14.04%
EPS Next 3Y11.8%
EPS Next 5Y6.04%
Revenue Next Year12.29%
Revenue Next 2Y9.13%
Revenue Next 3Y8.36%
Revenue Next 5Y5.52%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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 2Y14.04%
EPS Next 3Y11.8%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.52%, BSAC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.74, BSAC pays a better dividend. On top of this BSAC pays more dividend than 87.11% of the companies listed in the same industry.
BSAC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.52% |
5.2 History
The dividend of BSAC decreases each year by -0.44%.
BSAC has paid a dividend for at least 10 years, which is 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
BSAC pays out 55.88% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP55.88%
EPS Next 2Y14.04%
EPS Next 3Y11.8%
31.11
-0.23 (-0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners23.27%
Inst Owner Change4.36%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap14.66B
Revenue(TTM)3.45T
Net Income(TTM)1.07T
Analysts52
Price Target31.3 (0.61%)
Short Float %0.27%
Short Ratio1.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.52% |
Yearly DividendN/A
Dividend Growth(5Y)-0.44%
DP55.88%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)5.29%
PT rev (3m)16.08%
EPS NQ rev (1m)3.22%
EPS NQ rev (3m)0.48%
EPS NY rev (1m)0.03%
EPS NY rev (3m)0.18%
Revenue NQ rev (1m)6.06%
Revenue NQ rev (3m)3.87%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)-0.08%
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 Y23.01%
EPS Next 2Y14.04%
EPS Next 3Y11.8%
EPS Next 5Y6.04%
Revenue 1Y (TTM)14.54%
Revenue growth 3Y6.01%
Revenue growth 5Y5.93%
Sales Q2Q%2.46%
Revenue Next Year12.29%
Revenue Next 2Y9.13%
Revenue Next 3Y8.36%
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.
What is the valuation status for BSAC stock?
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.
What is the financial health of BANCO SANTANDER-CHILE-ADR (BSAC) stock?
The financial health rating of BANCO SANTANDER-CHILE-ADR (BSAC) is 1 / 10.
What is the earnings growth outlook for BANCO SANTANDER-CHILE-ADR?
The Earnings per Share (EPS) of BANCO SANTANDER-CHILE-ADR (BSAC) is expected to grow by 23.01% in the next year.