Banco Santander-Chile (BSAC) AI Stock Analysis

Banco Santander-Chile operates as a prominent provider of commercial and retail banking solutions across Chile. The bank is structured into Retail Banking, Middle-Market, Corporate Investment Banking, and Corporate Activities segments. Its Retail Banking arm offers debit and credit cards, checking and savings accounts, consumer loans, auto loans, and mortgages, alongside wealth management options like mutual funds and insurance. Its Middle-Market and Corporate Investment Banking units serve small and mid-sized enterprises, corporations, universities, and government bodies with leasing, factoring, treasury, and project financing services. Nationwide coverage is supported by 326 branches and 1,338 ATMs.

Between FY2020 and FY2025, Banco Santander-Chile delivered a 5-year revenue CAGR of 11.7%, despite revenue contracting 6.1% in FY2024 to $4.90T and 5.0% in FY2025 to $4.66T. Operating margin improved from 13.2% in FY2023 to 22.0% in FY2024 and 26.7% in FY2025. Net income expanded from $579.43B in FY2023 to $852.96B in FY2024 and $1.02T in FY2025, lifting EPS to $2.32. Operating cash flow totaled $704.90B and free cash flow stood at $624.40B in FY2025. For the trailing twelve months ending June 30, 2026, revenue was $2.34T with an EPS of $2.59, while quarterly revenue fell 5.4% and quarterly earnings dropped 4.0% year-over-year.

As of June 30, 2026, Banco Santander-Chile held $9.72T in cash and short-term investments against total debt of $13.88T, resulting in net debt of $4.17T. Total assets stood at $70.32T and shareholders' equity was $4.97T. The bank recorded a current ratio of 0.27 and a debt-to-equity ratio of 2.79. In FY2025, capital expenditures consumed $80.50B, while dividends paid totaled $570.84B. The bank's 5-year share count change was 0.0%.

At a share price of $32.70, Banco Santander-Chile carries a market cap of $15.41B. The stock trades at a trailing P/E of 12.6x and a forward P/E of 16.9x, compared to medians of 12.1x and 10.8x for US-listed Financial Services peers. Its price-to-sales multiple is 5.4x, above the peer median of 3.2x, while its price-to-book ratio is 3.2x and PEG ratio is 2.69. Over the past year, the stock returned 24.6% versus 16.8% for SPY, and over 5 years it returned 149.2% versus 83.0% for SPY.

Banco Santander-Chile pays an annual dividend with an annualized forward rate of $1.48 per share, representing a dividend yield of 4.53%. The bank has paid dividends for 30 consecutive years, achieving a 5-year annualized dividend growth rate of 8.6%. Its payout ratio is 58.0%, and its last ex-dividend date was April 30, 2026.

Wall Street coverage includes 0 Strong Buy, 2 Buy, 8 Hold, 0 Sell, and 1 Strong Sell recommendations. The mean price target is $34.95, representing a 6.9% upside from the last close of $32.70. For the current fiscal year ending December 31, 2026, analysts estimate EPS of $2.61 and revenue of $3.04T. For the next fiscal year, 4 analysts project EPS of $2.98 and revenue of $3.31T. The company exceeded EPS estimates in 1 of the last 4 quarters, with the next earnings release scheduled for October 30, 2026.

This page is an AI-written research summary of Banco Santander-Chile (BSAC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: BSAC income statement, BSAC balance sheet, BSAC key metrics, BSAC analyst forecast, BSAC chart. See the BSAC stock overview for the latest quote and news.