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Earnings transcript
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BSAC
Banco Santander-Chile
$31.4
1.42
(4.74%)
| Exchange: | NYSE |
| Market Cap: | 14.793B |
| Shares Outstanding: | 98.83B |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Andrés Trautmann Buc | |||||
| Full Time Employees: | 8757 | |||||
| Address: |
| |||||
| Website: | https://banco.santander.cl |
Banco Santander-Chile, along with its affiliated entities, operates as a prominent financial institution in Chile, delivering a comprehensive array of commercial and retail banking solutions. Its business operations are structured into distinct segments: Retail Banking, Middle-Market, Corporate Investment Banking, and internal Corporate Activities. The bank offers a diverse portfolio of financial products, including debit and credit cards, checking accounts, and various savings options. It provides numerous lending solutions, such as consumer, automobile, general commercial, and mortgage loans, some of which are government-guaranteed. Furthermore, the company extends loans denominated in both Chilean pesos and foreign currencies to facilitate various commercial transactions, international trade, foreign currency forward contracts, and credit lines, alongside specialized mortgage financing services. Beyond traditional banking, Banco Santander-Chile provides an extensive suite of additional services. These encompass mutual funds, insurance and securities brokerage, foreign exchange services, financial leasing, factoring, financial consulting and advisory, investment management, foreign trade support, treasury management, and transactional services. It also offers specialized financing for real estate development projects. The institution’s offerings further include short-term financing, capital raising, general brokerage, and sophisticated financial instruments such as derivatives, securitization, and other customized financial products. Its broad client base spans individual consumers, small and medium-sized enterprises (SMEs), larger corporations, universities, national government entities, and local and regional administrative bodies. As of December 31, 2021, the bank maintained a robust physical presence, operating 326 branches. This network included 220 under the primary Santander brand, 14 distinguished as Select branches, 7 specialized locations catering to the middle market, and 22 designated as auxiliary and payment centers. These were complemented by 1,338 ATMs, many of which offered deposit functionalities. Banco Santander-Chile was established in 1977 and is headquartered in Santiago, Chile.
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Revenue Segmentation
EPS
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Earnings Call
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 5,221,783,000 | 4,903,233,000 | 4,660,076,000 |
| Gross Profit | 1,588,056,000 | 2,090,612,000 | 2,275,837,000 |
| EBITDA | 835,147,000 | 1,221,030,000 | 1,380,574,000 |
| Operating Income | 691,385,000 | 1,079,595,000 | 1,245,415,000 |
| Net Income | 579,427,000 | 852,964,000 | 1,021,650,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 71,089,439,000 | 68,403,283,000 | 68,094,956,000 |
| Total Liabilities | 65,771,851,000 | 63,044,328,000 | 63,255,317,000 |
| Total Stockholders Equity | 5,217,760,000 | 5,254,561,000 | 4,719,697,000 |
| Total Debt | 12,423,193,000 | 14,448,801,000 | 10,277,061,000 |
| Cash and Cash Equivalents | 5,775,525,000 | 5,116,334,000 | 1,975,644,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 1,315,758,000 | 482,388,000 | 0 |
| Capital Expenditure | -56,661,000 | -107,720,000 | 0 |
| Free Cash Flow | 1,194,265,000 | 374,668,000 | 0 |
| Net Income | 496,404,000 | 852,964,000 | 1,053,209,000 |
| Net Change in Cash | 680,838,000 | 10,278,000 | -2,771,002,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 3,265,231,083.245 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 3,813,418,669.182 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 3,643,674,066.378 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 834,727,771.228 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 974,867,133.545 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 931,473,410.294 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,218,960,824.147 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,494,585,233.270 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 1,409,238,981.388 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 540,143,899.115 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 630,826,663.234 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 602,747,023.761 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.991 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 3.172 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.587 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Intrinsic Value Calculator
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Common questions about BSAC valuation
Is Banco Santander-Chile (BSAC) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Banco Santander-Chile (BSAC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is BSAC a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BSAC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is BSAC’s P/E ratio?
You can see BSAC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for BSAC?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
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Whether BSAC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
BSAC
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Daily snapshot
4.74
Trading Metrics:
| Open: | 30.48 | Previous Close: | 29.98 | |
| Day Low: | 30.48 | Day High: | 31.51 | |
| Year Low: | 22.77 | Year High: | 37.72 | |
| Price Avg 50: | 32.31 | Price Avg 200: | 30.77 | |
| Volume: | 547497 | Average Volume: | 467057 |
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