BANCO SANTANDER-CHILE-ADR (BSAC)
US05965X1090 - ADR
Taking everything into account, BSAC scores 2 out of 10 in our fundamental rating. BSAC was compared to 412 industry peers in the Banks industry. BSAC may be in some trouble as it scores bad on both profitability and health. BSAC is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past 5 years BSAC has always 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
Looking at the Return On Assets, with a value of 0.70%, BSAC is doing worse than 64.32% of the companies in the same industry.
The Return On Equity of BSAC (11.37%) is better than 74.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.7% | ||
| ROE | 11.37% | ||
| 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
1.3 Margins
BSAC has a worse Profit Margin (19.99%) than 66.75% of its industry peers.
In the last couple of years the Profit Margin of BSAC has declined.
BSAC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.99% | ||
| 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
2. Health
2.1 Basic Checks
Compared to 1 year ago, BSAC has about the same amount of shares outstanding.
The number of shares outstanding for BSAC remains at a similar level compared to 5 years ago.
BSAC has a worse debt/assets ratio than last year.
2.2 Solvency
BSAC has a debt to FCF ratio of 29.42. This is a negative value and a sign of low solvency as BSAC would need 29.42 years to pay back of all of its debts.
BSAC's Debt to FCF ratio of 29.42 is on the low side compared to the rest of the industry. BSAC is outperformed by 85.19% of its industry peers.
BSAC has a Debt/Equity ratio of 2.16. This is a high value indicating a heavy dependency on external financing.
BSAC has a Debt to Equity ratio of 2.16. This is amonst the worse of the industry: BSAC underperforms 92.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.16 | ||
| Debt/FCF | 29.42 | ||
| 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 for BSAC have decreased strongly by -31.47% in the last year.
Measured over the past years, BSAC shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.31% on average per year.
Looking at the last year, BSAC shows a decrease in Revenue. The Revenue has decreased by -7.65% in the last year.
BSAC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.33% yearly.
EPS 1Y (TTM)-31.47%
EPS 3Y2.25%
EPS 5Y-1.31%
EPS growth Q2Q74.07%
Revenue 1Y (TTM)-7.65%
Revenue growth 3Y2.51%
Revenue growth 5Y3.33%
Revenue growth Q2Q30.04%
3.2 Future
Based on estimates for the next years, BSAC will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.66% on average per year.
Based on estimates for the next years, BSAC will show a quite strong growth in Revenue. The Revenue will grow by 12.69% on average per year.
EPS Next Y43.78%
EPS Next 2Y31.39%
EPS Next 3Y22.24%
EPS Next 5Y11.66%
Revenue Next Year24.71%
Revenue Next 2Y17.78%
Revenue Next 3Y13.46%
Revenue Next 5Y12.69%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better 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
BSAC's earnings are expected to grow with 22.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y31.39%
EPS Next 3Y22.24%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.31%, BSAC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.78, 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 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.31% |
5.2 History
The dividend of BSAC has a limited annual growth rate of 2.75%.
BSAC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)2.75%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
97.74% of the earnings are spent on dividend by BSAC. This is not a sustainable payout ratio.
BSAC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP97.74%
EPS Next 2Y31.39%
EPS Next 3Y22.24%
BANCO SANTANDER-CHILE-ADR
NYSE:BSAC (5/3/2024, 7:04:01 PM)
After market: 18.15 0 (0%)18.15
+0.07 (+0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap8.55B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.31% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.7% | ||
| ROE | 11.37% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 19.99% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.16 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-31.47%
EPS 3Y2.25%
EPS 5Y
EPS growth Q2Q
EPS Next Y43.78%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-7.65%
Revenue growth 3Y2.51%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y