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BSAC stock logo

BSAC

Banco Santander-Chile

$33.2
-0.48
 (-1.43%)
Exchange:  NYSE
Market Cap:  15.641B
Shares Outstanding:  98.83B
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Andrés Trautmann Buc
Full Time Employees:  8757
Address: 
Bandera 140
Santiago de Chile
CL
Website:  https://banco.santander.cl
Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail Banking, Middle-Market, Corporate Investment Banking, and Corporate Activities segments. The company offers debit and credit cards, checking accounts, and savings products; consumer, automobile, commercial, mortgage, and government-guaranteed loans; and Chilean peso and foreign currency denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines, as well as mortgage financing services. It also provides mutual funds, insurance and securities brokerage, foreign exchange, financial leasing, factoring, financial consulting and advisory, investment management, foreign trade, treasury, and transactional services, as well as specialized services to finance projects for the real estate industry. In addition, the company offers short-term financing and fund raising, and brokerage services, as well as derivatives, securitization, and other tailor-made products. It serves individuals, small to middle-sized entities, companies, and large corporations, as well as universities, government entities, and local and regional governments. As of December 31, 2021, the company operated 326 branches, which include 220 under the Santander brand name, 14 under the Select brand name, 7 specialized branches for the middle market, and 22 as auxiliary and payment centers, as well as 1,338 ATMs, including depository ATMs. Banco Santander-Chile was incorporated in 1977 and is headquartered in Santiago, Chile.

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Revenue Segmentation

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EPS

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Earnings Call

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Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/05/11 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue5,221,783,0004,903,233,0002,306,100,000
Gross Profit1,588,056,0002,090,612,0002,275,837,000
EBITDA835,147,0001,221,030,0001,258,412,981
Operating Income691,385,0001,079,595,0001,370,434,000
Net Income579,427,000852,964,0001,053,209,000

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets71,089,439,00068,403,283,00068,094,956,000
Total Liabilities65,771,851,00063,044,328,00063,255,317,000
Total Stockholders Equity5,217,760,0005,254,561,0004,719,697,000
Total Debt12,423,193,00014,448,801,00010,277,061,000
Cash and Cash Equivalents5,775,525,0005,116,334,0001,975,644,000

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow1,315,758,000482,388,0000
Capital Expenditure-56,661,000-107,720,0000
Free Cash Flow1,194,265,000374,668,0000
Net Income496,404,000852,964,0001,053,209,000
Net Change in Cash680,838,00010,278,000-2,771,002,000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)3,488,894,606.412Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)3,766,506,186.307Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)3,629,186,442.689Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)1,065,954,577.878Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)1,150,772,655.764Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)1,108,817,645.408Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)1,323,068,115.122Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)1,461,598,858.432Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)1,393,075,036.422Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)695,409,615.944Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)750,743,406.137Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)723,372,711.134Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.957Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.102Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.808Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
4.765B  ?P/S
 (TTM)
: 
2.99
?Net Income
 (TTM)
: 
903.531M  ?P/E
 (TTM)
: 
14.57
?Enterprise Value
 (TTM)
: 
28.031T  ?EV/FCF
 (TTM)
: 
11.4
?Dividend Yield
 (TTM)
: 
0.04  ?Payout Ratio
 (TTM)
: 
0.59
?ROE
 (TTM)
: 
0.21  ?ROIC
 (TTM)
: 
0.02
?Net Debt
 (TTM)
: 
12.091B  ?Debt/Equity
 (TTM)
: 
2.87
?P/B
 (TTM)
: 
2.65  ?Current Ratio
 (TTM)
: 
1.85

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
12.43Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate BSAC Intrinsic Value

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.

Is BSAC a good long-term investment?

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

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-1.43
MARKETSnap

Trading Metrics:

Open: 32.61   Previous Close: 33.68
Day Low: 32.4   Day High: 33.25
Year Low: 20.77   Year High: 37.72
Price Avg 50: 34.06   Price Avg 200: 28.91
Volume: 174061   Average Volume: 402170

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See in Nexus

Relevant news

Allspring Global Investments Holdings LLC Sells 611,603 Shares of Banco Santander Chile $BSAC
03-04-2026 03:09
Allspring Global Investments Holdings LLC Sells 611,603 Shares of Banco Santander Chile $BSAC
Banco Santander Chile Announces the Filing of its Annual Report on Form 20-F with the United States Securities and Exchange Commission for Fiscal Year 2025
27-02-2026 08:34
Banco Santander Chile Announces the Filing of its Annual Report on Form 20-F with the United States Securities and Exchange Commission for Fiscal Year 2025
Banco Santander-Chile (BSAC) Q4 2025 Earnings Call Transcript
05-02-2026 13:04
Banco Santander-Chile (BSAC) Q4 2025 Earnings Call Transcript
BSAC or BCH: Which Is the Better Value Stock Right Now?
08-01-2026 12:40
BSAC or BCH: Which Is the Better Value Stock Right Now?
BSAC vs. BCH: Which Stock Is the Better Value Option?
06-01-2026 12:41
BSAC vs. BCH: Which Stock Is the Better Value Option?
Banco Santander Chile (NYSE:BSAC) Hits New 52-Week High After Analyst Upgrade
23-12-2025 01:16
Banco Santander Chile (NYSE:BSAC) Hits New 52-Week High After Analyst Upgrade

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