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Company Analysis

Banco Santander - Chile BSAC

A comprehensive view of key metrics, scores, and financial health for Banco Santander - Chile

Overview of Banco Santander-Chile

BSAC NYQ
Financial Services Banks - Regional Framework: Banks & Lenders Large Cap
Banco Santander-Chile (BSAC), is a Large Cap company, in the Banks - Regional industry, last closed at $31.66, about 65.1% overvalued vs fair value, +12.2% 1Y return, placing in the top 10% of its sector.
Metrics P/E 12.9× Rev Growth 9.9% ROE 18.8% Gross Margin 80.9% Div Yield 4.55%
USD 31.66
-0.19%
(Delayed)
• Vol 90d: 22.6%
52-Week Range
Market Cap
$14.82B
Enterprise Value
$22.59B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 95%
Updated: Oct 24
Top Beats

Quick Facts

Website https://banco.santander.cl
HQ Santiago
Employees 8,526
Fiscal year Dec 31

Next Events

Earnings Oct 30 Call: Nov 4

Fair Value Snapshot

Bear Base Bull
$6
$11
$21
Current: $31.66 -65% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
CLP 3.8T
-7.3%%
Interest Expense
CLP 1.8T
Net Interest Income
CLP 2.0T
11.2%%
Total Revenue
CLP 2.9T
9.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
18.2%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

CLP 600.3B
58.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Banco Santander - Chile's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
69
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Net Interest Margin Net interest margin proxy is strong (score 0.90).
  • Strong Deposit Franchise Deposit franchise strength is evident (profitability score 0.94).

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.03).
  • Revenue Concentration Risk Revenue concentration is concerning (growth stability 0.29).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
70
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing BSAC's balance between Growth (30.1%), Profitability (59.9%), and Safety (10.0%). Growth 30% Safety 10% Profitability 60%

Click axes to expand details. Marker shows current allocation.

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Growth

39th percentile vs peers
40
Key Signals
NII Growth YoY 11.2% 55p EPS Growth YoY 19.8% 53p Equity Growth YoY 6.9% 39p Asset Growth YoY -0.4% 16p
Strengths
  • Efficiency Ratio in top 20% of peers (32.8%, 94th percentile)
  • ROTE in top 20% of peers (19.1%, 87th percentile)
  • ROE in top 20% of peers (18.8%, 93th percentile)
  • ROA in top 20% of peers (1.5%, 81th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-0.4%)

Profitability

79th percentile vs peers
79
Key Signals
Strengths
Risks
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Safety

13th percentile vs peers
13
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Banco Santander - Chile.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$11.05
- - -
-65.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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