Financial Services · Banks - Regional
Price
$32.93
Market Cap
$15.5B
Employees
8,757
Beta
0.25
Avg Volume
455,246
CEO
Andrés Trautmann Buc
Business Description
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.
Business History
Price Overview
Last updated: Jul 1, 2026 4:42am (just now)$32.93
+0.50 (+1.54%)
Day Range
$32.34 – $33.00
52-Week Range
$22.77 – $37.72
50-Day MA
$31.82
200-Day MA
$31.32
Volume
467,271.00
Analyst Price Targets
Low
$29.00
Consensus
$32.67
High
$38.00
(6 analysts)
Share Structure
Outstanding
471,115,317.00
Float
471,098,040.00
Free Float
100.0%
High free float
— 100.0% of shares trade freely, ~0% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
14.49
Stock Price: $32.93
EPS (Diluted): 2,236.00
EPS (Diluted): 2,236.00
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
2.36
Stock Price: $32.93
Total Equity: $5,616.36B
Shares: 471,115,315
Total Equity: $5,616.36B
Shares: 471,115,315
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
18.35
Market Cap: $15.51B
Total Debt: $15,837.07B
Cash: $5,238.57B
EBITDA: $1,380.57B
Total Debt: $15,837.07B
Cash: $5,238.57B
EBITDA: $1,380.57B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$23.9T
Market Cap: $15.51B
Total Debt: $15,837.07B
Cash: $5,238.57B
Total Debt: $15,837.07B
Cash: $5,238.57B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
48.8%
Gross Profit: $2,275.84B
Revenue: $4,660.08B
Revenue: $4,660.08B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
26.7%
Operating Income: $1,245.42B
Revenue: $4,660.08B
Revenue: $4,660.08B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
21.9%
Net Income: $1,021.65B
Revenue: $4,660.08B
Revenue: $4,660.08B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
20.9%
Net Income: $1,021.65B
Total Equity: $5,616.36B
Total Equity: $5,616.36B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
2.6%
Operating Income: $1,245.42B
Tax Rate: 16.7%
Equity: $5,616.36B
Total Debt: $15,837.07B
Cash: $5,238.57B
Tax Rate: 16.7%
Equity: $5,616.36B
Total Debt: $15,837.07B
Cash: $5,238.57B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.21
Current Assets: $6,786.39B
Current Liabilities: $32,718.11B
Current Liabilities: $32,718.11B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
2.82
Short-Term Debt: $2,755.24B
Long-Term Debt: $13,081.83B
Total Debt: $15,837.07B
Total Equity: $5,616.36B
Long-Term Debt: $13,081.83B
Total Debt: $15,837.07B
Total Equity: $5,616.36B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$9,891.58
Revenue: $4,660.08B
Shares: 471,115,315
Shares: 471,115,315
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$11,921.41
Total Equity: $5,616.36B
Shares: 471,115,315
Shares: 471,115,315
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$1,325.38
Operating CF: $704.90B
CapEx: -$80.50B
Shares: 471,115,315
CapEx: -$80.50B
Shares: 471,115,315
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
4.3%
Last Dividend: N/A
Stock Price: $32.93
Stock Price: $32.93
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $1,021.65B
Net Income: $1,021.65B
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares BSAC against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 1, 2026 4:42am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $3.4T | $4.7T | $5.2T | $4.9T | $4.7T |
| Cost of Revenue | $1.4T | $2.9T | $3.6T | $2.8T | $2.4T |
| Gross Profit | $2.0T | $1.8T | $1.6T | $2.1T | $2.3T |
| Operating Expenses | $898.6B | $946.3B | $896.7B | $1.0T | $1.0T |
| Operating Income | $1.1T | $901.1B | $691.4B | $1.1T | $1.2T |
| Net Income | $842.5B | $792.3B | $579.4B | $853.0B | $1.0T |
| EBITDA | $1.2T | $1.0T | $835.1B | $1.2T | $1.4T |
| EPS | $1,788.00 | $1,680.00 | $1,052.00 | $1,812.00 | $2,236.00 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 1, 2026 4:42am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $5.3T | $5.3T | $5.8T | $5.1T | $5.2T |
| Total Current Assets | $11.8T | $11.8T | $10.9T | $9.0T | $6.8T |
| Total Assets | $63.8T | $68.4T | $71.1T | $68.4T | $68.1T |
| Current Liabilities | $27.0T | $442.7B | $513.0B | $30.7T | $32.7T |
| Long-Term Debt | $10.2T | $10.4T | $12.3T | $14.4T | $13.1T |
| Total Liabilities | $59.4T | $63.5T | $65.8T | $63.0T | $62.4T |
| Total Equity | $4.3T | $4.9T | $5.2T | $5.3T | $5.6T |
| Retained Earnings | $647.1B | $679.4B | $537.5B | $499.2B | $661.6B |
Cash Flow (Annual)
Last updated: Jul 1, 2026 4:42am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$3.2T | -$359.0B | -$2.2T | $482.4B | $704.9B |
| Capital Expenditure | -$58.0B | -$113.3B | -$56.7B | -$107.7B | -$80.5B |
| Free Cash Flow | -$3.2T | -$472.3B | -$2.2T | $374.7B | $624.4B |
| Acquisitions (net) | $0 | $18.7B | $0 | $0 | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | -$2.7B | -$812.0B | $680.8B | $10.3B | -$2.8T |
Analyst Estimates (Annual)
Last updated: Jul 1, 2026 4:42am (just now)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$2.9T $2.8T – $2.9T
|
$3.2T $2.9T – $3.3T
|
$3.4T $3.0T – $3.7T
|
$3.7T $3.2T – $3.8T
|
| EBITDA |
$737.6B $723.4B – $751.7B
|
$807.8B $731.9B – $849.4B
|
$867.9B $772.3B – $934.1B
|
$935.5B $830.6B – $976.3B
|
| Net Income |
$1.1T $1.0T – $1.1T
|
$1.2T $1.2T – $1.3T
|
$1.3T $1.3T – $1.3T
|
$1.4T $1.2T – $1.5T
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 1, 2026 4:42am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +39.9% | +10.6% | -6.1% | -5.0% |
| Gross Profit Growth | -6.3% | -14.0% | +31.6% | +8.9% |
| Operating Income Growth | -16.1% | -23.3% | +56.1% | +15.4% |
| Net Income Growth | -6.0% | -26.9% | +47.2% | +19.8% |
| EBITDA Growth | -13.8% | -19.0% | +46.2% | +13.1% |
Dividend History (Last 20)
Last updated: Jul 1, 2026 4:42am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-04-30 | $1.48 | 2026-04-20 | 2026-04-30 | 2026-05-29 |
| 2025-04-23 | $1.33 | 2025-04-03 | 2025-04-23 | 2025-05-06 |
| 2024-04-17 | $0.76 | 2024-04-02 | 2024-04-18 | 2024-05-01 |
| 2023-04-19 | $1.25 | 2023-04-05 | 2023-04-20 | 2023-05-03 |
| 2022-04-21 | $1.22 | 2022-04-07 | 2022-04-22 | 2022-05-05 |
| 2021-04-22 | $0.93 | 2021-04-13 | 2021-04-23 | 2021-05-07 |
| 2020-11-19 | $0.47 | 2020-11-10 | 2020-11-20 | 2020-12-04 |
| 2020-04-24 | $0.42 | 2020-04-17 | 2020-04-27 | 2020-05-11 |
| 2019-04-15 | $1.13 | 2019-04-16 | 2019-05-01 | |
| 2018-04-18 | $1.49 | 2018-04-06 | 2018-04-19 | 2018-05-02 |
| 2017-04-19 | $1.07 | 2017-04-11 | 2017-04-21 | 2017-05-05 |
| 2016-04-19 | $1.05 | 2016-04-11 | 2016-04-21 | 2016-05-05 |
| 2015-04-21 | $1.13 | 2015-05-14 | ||
| 2014-04-15 | $0.99 | 2014-05-08 | ||
| 2013-04-22 | $1.04 | 2013-05-16 | ||
| 2012-04-19 | $2.96 | 2012-05-09 | ||
| 2011-04-15 | $3.29 | 2011-05-10 | ||
| 2010-04-20 | $2.08 | |||
| 2009-04-21 | $2.02 | |||
| 2008-04-15 | $2.55 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for BSAC — it's generated by the pipeline (
market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.360 · 7b6df9be · 2026-06-30 17:24:24