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

NYSE:BSAC - New York Stock Exchange, Inc. - US05965X1090 - ADR - Currency: USD

24.76  -0.63 (-2.48%)

After market: 24.74 -0.02 (-0.08%)

Fundamental Rating

2

Taking everything into account, BSAC scores 2 out of 10 in our fundamental rating. BSAC was compared to 395 industry peers in the Banks industry. BSAC has a bad profitability rating. Also its financial health evaluation is rather negative. BSAC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

Of the past 5 years BSAC 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: BSAC reported negative operating cash flow in multiple years.
BSAC Yearly Net Income VS EBIT VS OCF VS FCFBSAC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500B -500B 1T 1.5T

1.2 Ratios

Looking at the Return On Assets, with a value of 1.15%, BSAC is in the better half of the industry, outperforming 77.02% of the companies in the same industry.
BSAC has a Return On Equity of 17.97%. This is amongst the best in the industry. BSAC outperforms 96.72% of its industry peers.
Industry RankSector Rank
ROA 1.15%
ROE 17.97%
ROIC N/A
ROA(3y)1.03%
ROA(5y)1.02%
ROE(3y)17.91%
ROE(5y)16.91%
ROIC(3y)N/A
ROIC(5y)N/A
BSAC Yearly ROA, ROE, ROICBSAC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20

1.3 Margins

BSAC has a Profit Margin (25.14%) which is in line with its industry peers.
BSAC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for BSAC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.14%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.79%
PM growth 5Y-6.57%
GM growth 3YN/A
GM growth 5YN/A
BSAC Yearly Profit, Operating, Gross MarginsBSAC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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2. Health

2.1 Basic Checks

BSAC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
BSAC Yearly Shares OutstandingBSAC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M
BSAC Yearly Total Debt VS Total AssetsBSAC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20T 40T 60T

2.2 Solvency

BSAC has a debt to FCF ratio of 22.49. This is a negative value and a sign of low solvency as BSAC would need 22.49 years to pay back of all of its debts.
BSAC has a Debt to FCF ratio of 22.49. This is amonst the worse of the industry: BSAC underperforms 82.83% of its industry peers.
A Debt/Equity ratio of 2.99 is on the high side and indicates that BSAC has dependencies on debt financing.
The Debt to Equity ratio of BSAC (2.99) is worse than 93.94% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.99
Debt/FCF 22.49
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BSAC Yearly LT Debt VS Equity VS FCFBSAC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5T 10T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BSAC Yearly Current Assets VS Current LiabilitesBSAC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2T 4T 6T 8T 10T

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3

3. Growth

3.1 Past

BSAC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 88.11%, which is quite impressive.
BSAC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.13% yearly.
EPS 1Y (TTM)88.11%
EPS 3Y3.53%
EPS 5Y9.13%
EPS Q2Q%129.69%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%33.19%

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 4.01% on average per year.
Based on estimates for the next years, BSAC will show a small growth in Revenue. The Revenue will grow by 4.75% on average per year.
EPS Next Y15.59%
EPS Next 2Y11.16%
EPS Next 3Y9.29%
EPS Next 5Y4.01%
Revenue Next Year11.02%
Revenue Next 2Y8.34%
Revenue Next 3Y7.8%
Revenue Next 5Y4.75%

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.
BSAC Yearly Revenue VS EstimatesBSAC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1T 2T 3T
BSAC Yearly EPS VS EstimatesBSAC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 500 1K 1.5K 2K

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4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
BSAC Price Earnings VS Forward Price EarningsBSAC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BSAC Per share dataBSAC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.16%
EPS Next 3Y9.29%

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5. Dividend

5.1 Amount

BSAC has a Yearly Dividend Yield of 3.93%.
Compared to an average industry Dividend Yield of 3.46, BSAC pays a bit more dividend than its industry peers.
BSAC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 3.93%

5.2 History

The dividend of BSAC has a limited annual growth rate of 2.75%.
BSAC has paid a dividend for at least 10 years, which is a reliable track record.
BSAC has decreased its dividend recently.
Dividend Growth(5Y)2.75%
Div Incr Years1
Div Non Decr Years1
BSAC Yearly Dividends per shareBSAC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

45.84% of the earnings are spent on dividend by BSAC. This is a bit on the high side, but may be sustainable.
The dividend of BSAC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP45.84%
EPS Next 2Y11.16%
EPS Next 3Y9.29%
BSAC Yearly Income VS Free CF VS DividendBSAC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500B -500B 1T 1.5T
BSAC Dividend Payout.BSAC Dividend Payout, showing the Payout Ratio.BSAC Dividend Payout.PayoutRetained Earnings

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BANCO SANTANDER-CHILE-ADR

NYSE:BSAC (6/13/2025, 8:04:01 PM)

After market: 24.74 -0.02 (-0.08%)

24.76

-0.63 (-2.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/bmo
Earnings (Next)07-29 2025-07-29
Inst Owners19.28%
Inst Owner Change-4.66%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap11.66B
Analysts72.86
Price Target25.77 (4.08%)
Short Float %0.43%
Short Ratio1.43
Dividend
Industry RankSector Rank
Dividend Yield 3.93%
Yearly DividendN/A
Dividend Growth(5Y)2.75%
DP45.84%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-23 2025-04-23 (1.329458)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.55%
Min EPS beat(2)-0.81%
Max EPS beat(2)11.91%
EPS beat(4)1
Avg EPS beat(4)-2.74%
Min EPS beat(4)-16.12%
Max EPS beat(4)11.91%
EPS beat(8)2
Avg EPS beat(8)-11.7%
EPS beat(12)5
Avg EPS beat(12)-3.78%
EPS beat(16)9
Avg EPS beat(16)0.8%
Revenue beat(2)2
Avg Revenue beat(2)2.1%
Min Revenue beat(2)1.23%
Max Revenue beat(2)2.97%
Revenue beat(4)2
Avg Revenue beat(4)-3.11%
Min Revenue beat(4)-15.26%
Max Revenue beat(4)2.97%
Revenue beat(8)3
Avg Revenue beat(8)-1.44%
Revenue beat(12)7
Avg Revenue beat(12)4.75%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)3.65%
PT rev (3m)8.4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector 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 RankSector Rank
ROA 1.15%
ROE 17.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.14%
GM N/A
FCFM 23.62%
ROA(3y)1.03%
ROA(5y)1.02%
ROE(3y)17.91%
ROE(5y)16.91%
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-3.79%
PM growth 5Y-6.57%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 2.99
Debt/FCF 22.49
Debt/EBITDA N/A
Cap/Depr 66.96%
Cap/Sales 3.16%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 93.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)69.6%
Cap/Depr(5y)70.14%
Cap/Sales(3y)3.66%
Cap/Sales(5y)3.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)88.11%
EPS 3Y3.53%
EPS 5Y9.13%
EPS Q2Q%129.69%
EPS Next Y15.59%
EPS Next 2Y11.16%
EPS Next 3Y9.29%
EPS Next 5Y4.01%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%33.19%
Revenue Next Year11.02%
Revenue Next 2Y8.34%
Revenue Next 3Y7.8%
Revenue Next 5Y4.75%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-33.07%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y121.03%
FCF growth 3YN/A
FCF growth 5Y-4.62%
OCF growth 1Y124.32%
OCF growth 3YN/A
OCF growth 5Y-4.05%