BSAC Fundamental Analysis - BANCO SANTANDER-CHILE-ADR

Fundamental Rating

BSAC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 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 quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

Each year in the past 5 years BSAC has been profitable.

The reported operating cash flow has been mixed in the past 5 years: BSAC reported negative operating cash flow in multiple years.

1.2 Ratios

BSAC has a better Return On Assets (1.62%) than 91.84% of its industry peers.

BSAC's Return On Equity of 23.70% is amongst the best of the industry. BSAC outperforms 99.49% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.62%
ROE	23.7%
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

Looking at the Profit Margin, with a value of 31.47%, BSAC belongs to the top of the industry, outperforming 84.44% of the companies in the same industry.

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)	31.47%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

Compared to 1 year ago, BSAC has about the same amount of shares outstanding.

Compared to 5 years ago, BSAC has about the same amount of shares outstanding.

BSAC has a better debt/assets ratio than last year.

2.2 Solvency

BSAC has a debt to FCF ratio of 10.55. This is a negative value and a sign of low solvency as BSAC would need 10.55 years to pay back of all of its debts.

BSAC has a worse Debt to FCF ratio (10.55) than 76.53% of its industry peers.

BSAC has a Debt/Equity ratio of 2.57. This is a high value indicating a heavy dependency on external financing.

BSAC has a Debt to Equity ratio of 2.57. This is amonst the worse of the industry: BSAC underperforms 91.33% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.57
Debt/FCF	10.55
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 84.87% 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 22.99% in the past year. This is a very strong growth!

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)84.87%

EPS 3Y3.53%

EPS 5Y9.13%

EPS Q2Q%20.69%

Revenue 1Y (TTM)22.99%

Revenue growth 3Y6.01%

Revenue growth 5Y5.93%

Sales Q2Q%12.59%

3.2 Future

BSAC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.15% yearly.

Based on estimates for the next years, BSAC will show a small growth in Revenue. The Revenue will grow by 4.89% on average per year.

EPS Next Y22.8%

EPS Next 2Y12.88%

EPS Next 3Y10.79%

EPS Next 5Y4.15%

Revenue Next Year12.39%

Revenue Next 2Y8.79%

Revenue Next 3Y8.13%

Revenue Next 5Y4.89%

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.

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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 2Y12.88%

EPS Next 3Y10.79%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.15%, BSAC is a good candidate for dividend investing.

BSAC's Dividend Yield is rather good when compared to the industry average which is at 3.54. BSAC pays more dividend than 84.95% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.38, BSAC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.15%

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

56.11% of the earnings are spent on dividend by BSAC. This is a bit on the high side, but may be sustainable.

DP56.11%

EPS Next 2Y12.88%

EPS Next 3Y10.79%

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BANCO SANTANDER-CHILE-ADR

NYSE:BSAC (9/19/2025, 8:04:01 PM)

After market: 25.59 0 (0%)

25.59

+0.08 (+0.31%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-31 2025-07-31/bmo

Earnings (Next)10-28 2025-10-28

Inst Owners19.28%

Inst Owner Change-4.26%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap12.06B

Analysts72.86

Price Target26.97 (5.39%)

Short Float %0.28%

Short Ratio1.4

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.15%

Yearly DividendN/A

Dividend Growth(5Y)-0.44%

DP56.11%

Div Incr Years1

Div Non Decr Years1

Ex-Date04-23 2025-04-23 (1.329458)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)1.48%

Min EPS beat(2)0.85%

Max EPS beat(2)2.11%

EPS beat(4)4

Avg EPS beat(4)6.13%

Min EPS beat(4)0.85%

Max EPS beat(4)11.91%

EPS beat(8)4

Avg EPS beat(8)-7.97%

EPS beat(12)5

Avg EPS beat(12)-7.55%

EPS beat(16)9

Avg EPS beat(16)-2%

Revenue beat(2)0

Avg Revenue beat(2)-1.35%

Min Revenue beat(2)-2.21%

Max Revenue beat(2)-0.49%

Revenue beat(4)2

Avg Revenue beat(4)0.1%

Min Revenue beat(4)-2.21%

Max Revenue beat(4)2.97%

Revenue beat(8)3

Avg Revenue beat(8)-3.12%

Revenue beat(12)5

Avg Revenue beat(12)-0.74%

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)12.38%

PT rev (3m)9.41%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0.89%

EPS NY rev (1m)0%

EPS NY rev (3m)6.24%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)5.71%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.23%

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

Profitability

		Industry Rank	Sector Rank
ROA	1.62%
ROE	23.7%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	31.47%
GM	N/A
FCFM	48.26%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score7

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	2.57
Debt/FCF	10.55
Debt/EBITDA	N/A
Cap/Depr	65.9%
Cap/Sales	2.68%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	153.35%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

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)84.87%

EPS 3Y3.53%

EPS 5Y9.13%

EPS Q2Q%20.69%

EPS Next Y22.8%

EPS Next 2Y12.88%

EPS Next 3Y10.79%

EPS Next 5Y4.15%

Revenue 1Y (TTM)22.99%

Revenue growth 3Y6.01%

Revenue growth 5Y5.93%

Sales Q2Q%12.59%

Revenue Next Year12.39%

Revenue Next 2Y8.79%

Revenue Next 3Y8.13%

Revenue Next 5Y4.89%

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 1Y1833.88%

FCF growth 3YN/A

FCF growth 5Y-11.63%

OCF growth 1Y812.46%

OCF growth 3YN/A

OCF growth 5Y-10.82%

BANCO SANTANDER-CHILE-ADR (BSAC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens