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

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

23.94  -0.55 (-2.25%)

After market: 23.94 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BSAC. BSAC was compared to 397 industry peers in the Banks industry. There are concerns on the financial health of BSAC while its profitability can be described as average. BSAC is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

BSAC had positive earnings in each of the past 5 years.
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 2024 0 500B -500B 1T 1.5T

1.2 Ratios

With an excellent Return On Assets value of 1.51%, BSAC belongs to the best of the industry, outperforming 89.92% of the companies in the same industry.
Looking at the Return On Equity, with a value of 23.07%, BSAC belongs to the top of the industry, outperforming 98.99% of the companies in the same industry.
Industry RankSector Rank
ROA 1.51%
ROE 23.07%
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
BSAC Yearly ROA, ROE, ROICBSAC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

With an excellent Profit Margin value of 30.61%, BSAC belongs to the best of the industry, outperforming 83.38% of the companies in the same industry.
In the last couple of years the Profit Margin of BSAC has grown nicely.
BSAC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 30.61%
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
BSAC Yearly Profit, Operating, Gross MarginsBSAC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

BSAC has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, BSAC has about the same amount of shares outstanding.
The debt/assets ratio for BSAC has been reduced compared to a year ago.
BSAC Yearly Shares OutstandingBSAC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 20T 40T 60T

2.2 Solvency

BSAC has a debt to FCF ratio of 13.24. This is a negative value and a sign of low solvency as BSAC would need 13.24 years to pay back of all of its debts.
BSAC has a Debt to FCF ratio of 13.24. This is amonst the worse of the industry: BSAC underperforms 81.36% of its industry peers.
A Debt/Equity ratio of 2.28 is on the high side and indicates that BSAC has dependencies on debt financing.
BSAC's Debt to Equity ratio of 2.28 is on the low side compared to the rest of the industry. BSAC is outperformed by 90.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.28
Debt/FCF 13.24
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 2024 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 2024 2T 4T 6T 8T 10T

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5

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.
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 29.70% 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)88.11%
EPS 3Y3.53%
EPS 5Y9.13%
EPS Q2Q%129.69%
Revenue 1Y (TTM)29.7%
Revenue growth 3Y6.01%
Revenue growth 5Y5.93%
Sales Q2Q%33.19%

3.2 Future

The Earnings Per Share is expected to grow by 3.95% on average over the next years.
Based on estimates for the next years, BSAC will show a small growth in Revenue. The Revenue will grow by 4.69% on average per year.
EPS Next Y15.59%
EPS Next 2Y11.16%
EPS Next 3Y9.29%
EPS Next 5Y3.95%
Revenue Next Year11.02%
Revenue Next 2Y8.34%
Revenue Next 3Y7.8%
Revenue Next 5Y4.69%

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 decreasing: in the next years the growth will be less than in the last years.
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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0

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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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.46%, BSAC is a good candidate for dividend investing.
BSAC's Dividend Yield is rather good when compared to the industry average which is at 3.31. BSAC pays more dividend than 90.68% of the companies in the same industry.
BSAC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 5.46%

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
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

34.23% of the earnings are spent on dividend by BSAC. This is a low number and sustainable payout ratio.
DP34.23%
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 2024 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 (7/11/2025, 8:04:01 PM)

After market: 23.94 0 (0%)

23.94

-0.55 (-2.25%)

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 Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap11.28B
Analysts72.86
Price Target24.65 (2.97%)
Short Float %0.3%
Short Ratio1.02
Dividend
Industry RankSector Rank
Dividend Yield 5.46%
Yearly DividendN/A
Dividend Growth(5Y)-0.44%
DP34.23%
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)5.88%
Min EPS beat(2)2.11%
Max EPS beat(2)9.65%
EPS beat(4)3
Avg EPS beat(4)5.72%
Min EPS beat(4)-0.81%
Max EPS beat(4)11.91%
EPS beat(8)4
Avg EPS beat(8)-5.31%
EPS beat(12)5
Avg EPS beat(12)-4.5%
EPS beat(16)9
Avg EPS beat(16)-1.89%
Revenue beat(2)1
Avg Revenue beat(2)-1.05%
Min Revenue beat(2)-2.21%
Max Revenue beat(2)0.11%
Revenue beat(4)3
Avg Revenue beat(4)0.52%
Min Revenue beat(4)-2.21%
Max Revenue beat(4)2.97%
Revenue beat(8)3
Avg Revenue beat(8)-3.59%
Revenue beat(12)6
Avg Revenue beat(12)2.32%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-4.37%
PT rev (3m)1.53%
EPS NQ rev (1m)1.7%
EPS NQ rev (3m)3.8%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)2.13%
Revenue NQ rev (1m)1.03%
Revenue NQ rev (3m)-1.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.85%
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 1.51%
ROE 23.07%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.61%
GM N/A
FCFM 36.06%
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 RankSector Rank
Debt/Equity 2.28
Debt/FCF 13.24
Debt/EBITDA N/A
Cap/Depr 64.97%
Cap/Sales 2.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 117.8%
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)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 5Y3.95%
Revenue 1Y (TTM)29.7%
Revenue growth 3Y6.01%
Revenue growth 5Y5.93%
Sales Q2Q%33.19%
Revenue Next Year11.02%
Revenue Next 2Y8.34%
Revenue Next 3Y7.8%
Revenue Next 5Y4.69%
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 1Y1013.55%
FCF growth 3YN/A
FCF growth 5Y-11.63%
OCF growth 1Y5303.22%
OCF growth 3YN/A
OCF growth 5Y-10.82%