Symbols / BSAC Stock $33.94 +1.50% Banco Santander-Chile

Financial Services • Banks - Regional • Chile • NYQ
BSAC (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Andrés Trautmann Buc
Exch · Country NYQ · Chile
Market Cap 15.99B
Enterprise Value —
Income —
Sales —
FCF (ttm) —
Book/sh 24.37
Cash/sh —
Employees 8,526
Insider 10d —
IPO Oct 31, 1994
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 57.84%
P/E 13.85
Forward P/E 10.98
PEG 2.59
P/S —
P/B 1.39
P/C —
EV/EBITDA —
EV/Sales —
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.45
EPS next Y 3.09
EPS Growth -1.40%
Revenue Growth -3.20%
EPS Gr Q/Q -1.70%
Rev Gr Q/Q —
Earnings (next) 2026-04-30
Earnings (prior) 2026-01-30
ROA 1.51%
ROE 22.06%
ROIC —
Gross Margin 0.00%
Oper. Margin 0.00%
Profit Margin 44.85%
Shs Outstand 471.12M
Shs Float 61.12B
Insider Own 0.00%
Instit Own 5.47%
Short Float 0.39%
Short Ratio 1.36
Short Interest 595.80K
52W High 37.72
vs 52W High -10.02%
52W Low 22.77
vs 52W Low 49.06%
Beta 0.38
Impl. Vol. 0.78%
Rel Volume 1.03
Avg Volume 396.46K
Volume 409.60K
Target (mean) $33.64
Tgt Median $35.30
Tgt Low $18.90
Tgt High $40.00
# Analysts 10
Recom Hold
Prev Close $33.44
Price $33.94
Change 1.50%
About

Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other segments. The company provides checking accounts and savings products; debit and credit cards; consumer, auto, 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 offers mutual fund management, insurance and securities brokerage, foreign exchange services, financial leasing, financial consulting and advisory, investment management, foreign trade, leasing, factoring, treasury, and transactional services, as well as specialized services to finance residential projects. In addition, the company offers short-term financing and funding, and brokerage services, as well as derivatives, securitization, and other products; and manages capital allocations. Further, it provides health, life, travel, automobile, and unemployment insurance products; personal and corporate protection products; guarantees; international investment accounts, structured funds, and alternative investment funds; and wealth management and open architecture, asset management, and private banking services. It serves individuals, small to middle-sized companies, and other companies, as well as universities, government agencies, municipalities, regional governments, and construction and real estate companies. The company was incorporated in 1977 and is headquartered in Santiago, Chile. Banco Santander-Chile is a subsidiary of Banco Santander, S.A.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$33.64
Mean price target
2. Current target
$33.94
Latest analyst target
3. DCF / Fair value
$36.75
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$33.94
Low
$18.90
High
$40.00
Mean
$33.64

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-30 up JP Morgan Neutral → Overweight $40
2025-11-10 main UBS Neutral → Neutral $29
2025-11-07 down Citigroup Buy → Neutral —
2025-10-16 main JP Morgan Neutral → Neutral $30
2025-06-02 main UBS Neutral → Neutral $24
2024-12-16 down B of A Securities Buy → Neutral $21
2024-08-20 up Goldman Sachs Sell → Neutral $21
2024-06-12 up Itau BBA Market Perform → Outperform $22
2023-11-02 up B of A Securities Underperform → Buy $20
2023-10-16 init Jefferies — → Hold $19
2023-08-10 main JP Morgan Neutral → Neutral $21
2022-10-14 main Goldman Sachs — → Neutral $16
2022-08-19 down Credit Suisse Outperform → Neutral —
2022-06-30 up UBS Sell → Neutral —
2022-03-02 up Credit Suisse Neutral → Outperform $24
2022-02-17 down JP Morgan Overweight → Neutral $23
2021-05-04 up B of A Securities Neutral → Buy $27
2019-11-04 up Citigroup Neutral → Buy —
2019-09-10 init Goldman Sachs — → Neutral $30
2019-03-14 down JP Morgan Overweight → Neutral $32
News
RSS: Latest BSAC news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Revenue
2,851,150.00
+9.86%
2,595,202.00
+35.81%
1,910,841.00
-13.30%
2,203,922.00
Selling General And Administration
773,773.00
+0.56%
769,492.00
+6.99%
719,194.00
-3.83%
747,835.00
Selling And Marketing Expense
21,103.00
-9.28%
23,262.00
-1.24%
23,555.00
-9.35%
25,984.00
General And Administrative Expense
752,670.00
+0.86%
746,230.00
+7.27%
695,639.00
-3.63%
721,851.00
Salaries And Wages
414,698.00
+3.52%
400,613.00
-3.23%
413,986.00
-0.62%
416,572.00
Other Gand A
314,906.00
+10.51%
284,956.00
+12.92%
252,361.00
+3.84%
243,034.00
Reconciled Depreciation
135,159.00
-4.44%
141,435.00
-1.62%
143,762.00
+10.59%
129,993.00
Total Unusual Items
-31,441.00
+23.23%
-40,957.00
-2045.47%
-1,909.00
-126.12%
7,308.00
Total Unusual Items Excluding Goodwill
-31,441.00
+23.23%
-40,957.00
-2045.47%
-1,909.00
-126.12%
7,308.00
Special Income Charges
-38,684.00
+14.05%
-45,006.00
-198.79%
-15,063.00
-1144.88%
-1,210.00
Other Special Charges
773.00
+39.28%
555.00
+151.34%
-1,081.00
-189.34%
1,210.00
Impairment Of Capital Assets
—
—
—
0.00
Restructuring And Mergern Acquisition
34,164.00
-20.84%
43,156.00
+203.23%
14,232.00
0.00
Write Off
3,747.00
+189.34%
1,295.00
-32.27%
1,912.00
0.00
Net Income
1,021,650.00
+19.78%
852,964.00
+47.21%
579,427.00
-26.87%
792,276.00
Pretax Income
1,245,415.00
+15.36%
1,079,595.00
+56.15%
691,385.00
-23.27%
901,106.00
Net Interest Income
1,986,683.00
+11.19%
1,786,786.00
+63.47%
1,093,049.00
-30.38%
1,570,112.00
Interest Expense
1,808,926.00
-21.62%
2,308,031.00
-30.29%
3,310,942.00
+31.57%
2,516,544.00
Interest Income
3,795,609.00
-7.31%
4,094,817.00
-7.02%
4,403,991.00
+7.77%
4,086,656.00
Gain On Sale Of Security
266,608.00
+12.34%
237,328.00
-18.90%
292,620.00
+36.27%
214,729.00
Gain On Sale Of Business
—
—
—
—
Tax Provision
207,362.00
-5.64%
219,745.00
+125.27%
97,548.00
+4.19%
93,624.00
Tax Rate For Calcs
0.00
-18.20%
0.00
+44.26%
0.00
+33.10%
0.00
Tax Effect Of Unusual Items
-5,234.93
+37.21%
-8,336.55
-2995.15%
-269.34
-134.77%
774.65
Net Income Including Noncontrolling Interests
1,038,053.00
+20.72%
859,850.00
+44.80%
593,837.00
-26.46%
807,482.00
Net Income From Continuing Operation Net Minority Interest
1,021,650.00
+19.78%
852,964.00
+47.21%
579,427.00
-26.87%
792,276.00
Net Income From Continuing And Discontinued Operation
1,021,650.00
+19.78%
852,964.00
+47.21%
579,427.00
-26.87%
792,276.00
Net Income Continuous Operations
1,038,053.00
+20.72%
859,850.00
+44.80%
593,837.00
-26.46%
807,482.00
Net Income Discontinuous Operations
0.00
0.00
0.00
0.00
Minority Interests
-16,403.00
-138.21%
-6,886.00
+52.21%
-14,410.00
+5.23%
-15,206.00
Normalized Income
1,047,856.07
+18.32%
885,584.45
+52.41%
581,066.66
-26.05%
785,742.65
Net Income Common Stockholders
1,021,650.00
+19.78%
852,964.00
+47.21%
579,427.00
-26.87%
792,276.00
Diluted EPS
2,236.00
+22.86%
1,820.00
+72.73%
1,053.68
-37.34%
1,681.60
Basic EPS
2,236.00
+22.86%
1,820.00
+72.73%
1,053.68
-37.34%
1,681.60
Basic Average Shares
471.02
-0.02%
471.12
+0.00%
471.12
+0.00%
471.12
Diluted Average Shares
471.02
-0.02%
471.12
+0.00%
471.12
+0.00%
471.12
Diluted NI Availto Com Stockholders
1,021,650.00
+19.78%
852,964.00
+47.21%
579,427.00
-26.87%
792,276.00
Amortization
47,855.00
-9.68%
52,982.00
-0.77%
53,393.00
+26.00%
42,377.00
Amortization Of Intangibles Income Statement
47,855.00
-9.68%
52,982.00
-0.77%
53,393.00
+26.00%
42,377.00
Depreciation Amortization Depletion Income Statement
135,159.00
-4.44%
141,435.00
-1.62%
143,762.00
+10.59%
129,993.00
Depreciation And Amortization In Income Statement
135,159.00
-4.44%
141,435.00
-1.62%
143,762.00
+10.59%
129,993.00
Depreciation Income Statement
87,304.00
-1.30%
88,453.00
-2.12%
90,369.00
+3.14%
87,616.00
Insurance And Claims
5,483.00
-85.24%
37,150.00
+162.28%
14,164.00
-73.21%
52,870.00
Other Non Interest Expense
84,461.00
+48.14%
57,016.00
+171.96%
20,965.00
-69.54%
68,834.00
Professional Expense And Contract Services Expense
7,634.00
-10.23%
8,504.00
+31.84%
6,450.00
-26.37%
8,760.00
Rent And Landing Fees
17,583.00
-25.21%
23,511.00
+55.41%
15,128.00
+61.37%
9,375.00
Rent Expense Supplemental
17,583.00
-25.21%
23,511.00
+55.41%
15,128.00
+61.37%
9,375.00
Line Item Trend 2023-12-31
Total Assets
70,781,592.00
Cash And Cash Equivalents
5,775,525.00
Cash Equivalents
819.00
Cash Financial
1,198,568.00
Other Short Term Investments
3,438,805.00
Receivables
1,492,439.00
Accounts Receivable
199,746.00
Other Receivables
1,292,693.00
Prepaid Assets
169,603.00
Net PPE
352,272.00
Gross PPE
991,693.00
Accumulated Depreciation
-639,421.00
Land And Improvements
14,631.00
Buildings And Improvements
318,881.00
Other Properties
442,770.00
Leases
215,411.00
Goodwill And Other Intangible Assets
97,551.00
Other Intangible Assets
97,551.00
Investments And Advances
11,670,984.00
Long Term Equity Investment
55,284.00
Total Liabilities Net Minority Interest
65,439,097.00
Payables And Accrued Expenses
737,838.00
Payables
737,838.00
Accounts Payable
492,280.00
Other Payable
36,819.00
Total Tax Payable
208,739.00
Income Tax Payable
208,739.00
Current Debt And Capital Lease Obligation
20,716.00
Current Capital Lease Obligation
20,716.00
Long Term Debt And Capital Lease Obligation
14,216,415.00
Long Term Debt
14,132,615.00
Long Term Capital Lease Obligation
83,800.00
Long Term Provisions
283,971.00
Defined Pension Benefit
233.00
Non Current Deferred Liabilities
6,226.00
Non Current Deferred Revenue
2,679.00
Non Current Deferred Taxes Liabilities
3,547.00
Stockholders Equity
5,217,760.00
Common Stock Equity
5,217,760.00
Capital Stock
891,303.00
Common Stock
891,303.00
Share Issued
188,446.13
Ordinary Shares Number
188,446.13
Treasury Shares Number
0.00
Retained Earnings
562,368.00
Gains Losses Not Affecting Retained Earnings
3,155,368.00
Minority Interest
124,735.00
Other Equity Adjustments
3,160,610.00
Total Equity Gross Minority Interest
5,342,495.00
Total Capitalization
19,350,375.00
Invested Capital
19,350,375.00
Total Debt
14,237,131.00
Net Debt
8,357,090.00
Capital Lease Obligations
104,516.00
Net Tangible Assets
5,120,209.00
Tangible Book Value
5,120,209.00
Available For Sale Securities
8,176,895.00
Cash Cash Equivalents And Federal Funds Sold
6,971,055.00
Derivative Product Liabilities
13,138,349.00
Notes Receivable
—
Other Equity Interest
608,721.00
Unrealized Gain Loss
-5,242.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
55,407.00
-88.51%
482,388.00
-63.34%
1,315,758.00
+466.52%
-358,988.00
Cash Flow From Continuing Operating Activities
55,407.00
-88.51%
482,388.00
-63.34%
1,315,758.00
+466.52%
-358,988.00
Net Income From Continuing Operations
1,038,053.00
+20.72%
859,850.00
+44.80%
593,837.00
-26.46%
807,482.00
Depreciation Amortization Depletion
135,159.00
-4.44%
141,435.00
-1.62%
143,762.00
+10.59%
129,993.00
Depreciation
87,304.00
-1.30%
88,453.00
-2.12%
90,369.00
+3.14%
87,616.00
Amortization Cash Flow
47,855.00
-9.68%
52,982.00
-0.77%
53,393.00
+26.00%
42,377.00
Depreciation And Amortization
135,159.00
-4.44%
141,435.00
-1.62%
143,762.00
+10.59%
129,993.00
Amortization Of Intangibles
47,855.00
-9.68%
52,982.00
-0.77%
53,393.00
+26.00%
42,377.00
Other Non Cash Items
-2,803,459.00
-13.08%
-2,479,150.00
-203.59%
-816,615.00
+64.40%
-2,294,119.00
Asset Impairment Charge
3,747.00
+189.34%
1,295.00
-32.27%
1,912.00
0.00
Deferred Tax
-38,797.00
-406.48%
12,659.00
+109.65%
-131,195.00
-151.42%
-52,181.00
Deferred Income Tax
-38,797.00
-406.48%
12,659.00
+109.65%
-131,195.00
-151.42%
-52,181.00
Operating Gains Losses
-28,497.00
-45.75%
-19,552.00
+13.09%
-22,496.00
-6.77%
-21,069.00
Unrealized Gain Loss On Investment Securities
-820.00
+98.19%
-45,365.00
+63.89%
-125,613.00
-522.68%
-20,173.00
Gain Loss On Sale Of PPE
-10,067.00
-96.51%
-5,123.00
+2.99%
-5,281.00
+17.55%
-6,405.00
Change In Working Capital
-40,871.00
-108.69%
470,587.00
-34.24%
715,565.00
+177.46%
-923,775.00
Change In Other Working Capital
-2,890,197.00
-386.24%
1,009,711.00
-64.40%
2,836,429.00
+212.51%
907,635.00
Change In Other Current Assets
-20,376.00
+3.35%
-21,082.00
-270.84%
-5,685.00
-270.84%
-1,533.00
Investing Cash Flow
-104,945.00
+1.53%
-106,580.00
+9.56%
-117,850.00
-24.57%
-94,602.00
Cash Flow From Continuing Investing Activities
-104,945.00
+1.53%
-106,580.00
+9.56%
-117,850.00
-24.57%
-94,602.00
Net PPE Purchase And Sale
-52,077.00
+16.03%
-62,021.00
+14.79%
-72,783.00
-83.32%
-39,703.00
Purchase Of PPE
-84,659.00
-34.04%
-63,161.00
+15.14%
-74,426.00
-27.46%
-58,393.00
Sale Of PPE
32,582.00
+2758.07%
1,140.00
-30.61%
1,643.00
-91.21%
18,690.00
Capital Expenditure
-137,527.00
-27.67%
-107,720.00
+9.85%
-119,493.00
-5.47%
-113,292.00
Net Investment Purchase And Sale
—
—
—
—
Purchase Of Investment
—
—
—
—
Sale Of Investment
—
—
—
—
Gain Loss On Sale Of Business
0.00
+100.00%
-1,903.00
0.00
0.00
Net Intangibles Purchase And Sale
-52,868.00
-18.65%
-44,559.00
+1.13%
-45,067.00
+17.91%
-54,899.00
Purchase Of Intangibles
-52,868.00
-18.65%
-44,559.00
+1.13%
-45,067.00
+17.91%
-54,899.00
Net Other Investing Changes
—
—
2,000.00
—
Financing Cash Flow
-621,098.00
-66.58%
-372,847.00
+27.64%
-515,292.00
-34.08%
-384,323.00
Cash Flow From Continuing Financing Activities
-621,098.00
-66.58%
-372,847.00
+27.64%
-515,292.00
-34.08%
-384,323.00
Net Issuance Payments Of Debt
-20,762.00
+18.14%
-25,364.00
+15.74%
-30,101.00
-137.32%
80,654.00
Issuance Of Debt
0.00
0.00
0.00
-100.00%
102,481.00
Long Term Debt Issuance
0.00
0.00
0.00
-100.00%
102,481.00
Long Term Debt Payments
-20,762.00
+18.14%
-25,364.00
+15.74%
-30,101.00
-37.91%
-21,827.00
Net Long Term Debt Issuance
-20,762.00
+18.14%
-25,364.00
+15.74%
-30,101.00
-137.32%
80,654.00
Cash Dividends Paid
-600,336.00
-72.77%
-347,483.00
+28.38%
-485,191.00
-4.35%
-464,977.00
Net Other Financing Charges
—
—
—
—
Changes In Cash
-670,636.00
-22748.97%
2,961.00
-99.57%
682,616.00
+181.47%
-837,913.00
Effect Of Exchange Rate Changes
-7,305.00
-199.84%
7,317.00
+511.53%
-1,778.00
-106.86%
25,904.00
Beginning Cash Position
2,771,002.00
+0.37%
2,760,724.00
+32.73%
2,079,886.00
-28.08%
2,891,895.00
End Cash Position
2,093,061.00
-24.47%
2,771,002.00
+0.37%
2,760,724.00
+32.73%
2,079,886.00
Free Cash Flow
-82,120.00
-121.92%
374,668.00
-68.68%
1,196,265.00
+353.30%
-472,280.00
Dividend Received CFO
3,385.00
+250.41%
966.00
-67.19%
2,944.00
+459.70%
526.00
Earnings Losses From Equity Investments
-9,289.00
-8.86%
-8,533.00
+2.62%
-8,763.00
+15.00%
-10,310.00
Interest Paid CFO
-3,220,647.00
+21.14%
-4,083,763.00
+1.34%
-4,139,141.00
-64.29%
-2,519,399.00
Interest Received CFO
4,240,201.00
-14.60%
4,964,892.00
+6.48%
4,662,944.00
+14.10%
4,086,656.00
SEC Filings

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