BSAC Financial Services

Banco Santander-Chile

$31.85+0.82%

Price as of close on Nov 3, 2026 · Financials updated Nov 2, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: Chile
Market cap: 15.0B USD
Full-time employees: 8,526

Overall health

Strength: more profitable than most peersmore profitable than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings
About average: growth

Ranks #382 of 791 banks & insurance companies (top 49%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Financials may be out of date. Latest financial period ended 10 months ago.
The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.

StockQuotient Score

52/ 100

Oct 5 51 → Nov 4 52 (+1)

Valuation

Is the price right?

25/100

Weak

2/2 inputs reported · High confidence

Since last year: No major changeValuation also moves with the share price every day.

Why

Weaker than most peers on:

▼ P/B
▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield38.0%

SEC filings (IFRS mapped) · latest balance sheet · CLP→USD at the current rateReported value40% base weight · Z-score -1.46Sector median: 0.7950 · MAD: 0.2843

Earnings yield6.9%

SEC filings (IFRS mapped) · 12 months to Dec 2025 · CLP→USD at the current rateReported value60% base weight · Z-score -0.39Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield-0.2%

SEC filings (IFRS mapped) · 12 months to Dec 2025 · CLP→USD at the current rate · operating cash flow − capital spendingNegative (a loss or cash outflow), so it counts as zero whatever the share priceInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

55/100

Moderate

1/1 inputs reported · High confidence

Since last year: No major change

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth19.8%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value100% base weight · Z-score 0.21Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growthUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growthUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

75/100

Moderate

2/2 inputs reported · High confidence

Since last year: ▼ Weaker

Free cash flow turned negative over the last 12 months

Why

Stronger than most peers on:

▲ ROE
▲ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.5%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score 0.52Sector median: 0.0117 · MAD: 0.0062

Return on equity18.2%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score 1.92Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Banco Santander-Chile

Is Banco Santander-Chile getting weaker?: Its latest SEC filing (Feb 27, 2026) got weaker in some ways: free cash flow turned negative over the last 12 months. Its overall score is unchanged at 52/100 since Oct 28, 2026.
How is Banco Santander-Chile valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 25/100 against 950 banks & insurance peers. Book yield 38.0% vs a peer median of 79.5% (weaker than 87% of peers).Book yield 38.0% vs peers 79.5% (weaker than 87% of peers).
Is Banco Santander-Chile growing?: At about the same pace as its peers. Growth scores 55/100 against 950 banks & insurance peers.
How profitable is Banco Santander-Chile?: More profitable than most of its peers. Profitability scores 75/100 against 950 banks & insurance peers. Return on equity 18.2% vs a peer median of 10.7% (stronger than 84% of peers).Return on equity 18.2% vs peers 10.7% (stronger than 84% of peers).
How risky is Banco Santander-Chile?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Year ended Dec 31, 2025 · filed Feb 27, 2026 · compared with the year ended Dec 31, 2024

Got weaker

Free cash flow turned negative over the last 12 months

	Previous year	Latest year	Change
Net income (12 months)	853.0B CLP	1.02T CLP	+19.8%
Free cash flow (12 months)	419.2B CLP	−29.3B CLP	turned negative
Debt	4.34T CLP	3.43T CLP	−20.8%
Cash	2.77T CLP	2.09T CLP	−24.5%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one year at a time.

Financials

Fiscal years from SEC annual filings · change vs the prior year · amounts in CLP, as reported

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Return on assets (ROA)	-1.3%	1.2%	0.8%	1.2%	1.5%	▲ 0.3 pts
Return on equity (ROE)	-19.4%	16.3%	11.1%	16.2%	18.2%	▲ 2.0 pts
Debt to equity	3.71×	1.83×	1.99×	0.83×	0.61×	▼ 26%
Interest coverage	0.97×	—	—	—	—	—

BSAC price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

About average: growth

Ranks #382 of 791 banks & insurance companies (top 49%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Banco Santander-Chile

Is Banco Santander-Chile getting weaker?

Its latest SEC filing (Feb 27, 2026) got weaker in some ways: free cash flow turned negative over the last 12 months. Its overall score is unchanged at 52/100 since Oct 28, 2026.

How is Banco Santander-Chile valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 25/100 against 950 banks & insurance peers. Book yield 38.0% vs a peer median of 79.5% (weaker than 87% of peers).Book yield 38.0% vs peers 79.5% (weaker than 87% of peers).

Is Banco Santander-Chile growing?

At about the same pace as its peers. Growth scores 55/100 against 950 banks & insurance peers.

How profitable is Banco Santander-Chile?

More profitable than most of its peers. Profitability scores 75/100 against 950 banks & insurance peers. Return on equity 18.2% vs a peer median of 10.7% (stronger than 84% of peers).Return on equity 18.2% vs peers 10.7% (stronger than 84% of peers).

How risky is Banco Santander-Chile?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous year

Latest year

Change

Net income (12 months)

853.0B CLP

1.02T CLP

+19.8%

Free cash flow (12 months)

419.2B CLP

−29.3B CLP

turned negative

Debt

4.34T CLP

3.43T CLP

−20.8%

Cash

2.77T CLP

2.09T CLP

−24.5%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Return on assets (ROA)

-1.3%

1.2%

0.8%

1.2%

1.5%

▲ 0.3 pts

Return on equity (ROE)

-19.4%

16.3%

11.1%

16.2%

18.2%

▲ 2.0 pts

Debt to equity

3.71×

1.83×

1.99×

0.83×

0.61×

▼ 26%

Interest coverage

0.97×

—