Stock AnalizBanco Santander Chile BSAC
Commercial Banks · data as of November 13, 2026
Banco Santander Chile (BSAC) is a financial company listed in the US with a market value of about $15.3B. In the twelve months to September 30, 2026 it had revenue of $3.0B and net income of $1.1B, a net margin of 37.9%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is value (3/5); the weakest is future growth (0/5).
Key numbers: a P/E of 13.6, a price to free cash flow of 14.1, a 5-year average ROIC of 4%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 6% below the current price.
Score: 2.0 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- PEG below 1.5
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
- ROE above 15%
- Positive free cash flow
- Pays a dividend
Checks not passed
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.0B | — | — | — | — | $2.3B | $2.0B | $1.9B | $1.8B | $1.8B | $1.7B |
| Net income | $1.1B | $1.0B | $857M | $582M | $812M | $857M | $556M | $624M | $598M | $566M | $478M |
| Free cash flow | $1.1B | -$29M | $421M | $1.2B | -$419M | -$656M | -$875M | $1.8B | $959M | -$478M | $677M |
| EPS (diluted) | $2.38 | $2.18 | $1.82 | $1.24 | $1.72 | $1.82 | $1.18 | $1.33 | $1.27 | $1.20 | $1.02 |
| Net margin | 37.9% | — | — | — | — | 37.5% | 27.4% | 32.4% | 32.5% | 31.3% | 28.3% |
| ROIC | — | — | — | — | — | 4.2% | 4.6% | 4.7% | 5.2% | 5.5% | 4.5% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is Banco Santander Chile’s P/E ratio?
About 13.6, based on the last twelve months of diluted earnings per share (forward P/E about 10.8).
Is Banco Santander Chile stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 6% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Banco Santander Chile pay a dividend?
Yes. The dividend yield is about 4.57%, and it has paid dividends for 10 years in our data.
Is Banco Santander Chile a good stock to buy?
We do not give buy or sell advice. Banco Santander Chile scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.