Banco Santander-Chile (BSAC) Key Metrics
BSAC key metrics, 2016–2025
Fiscal year ended December 31, 2025 · CLPBSAC returns How much profit the business earns on the capital it uses.
BSAC financial health Debt, liquidity and how easily interest is covered.
BSAC efficiency & capital use Working capital cycle and where the cash goes.
BSAC returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
BSAC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
BSAC cash returned to shareholders
BSAC key metrics in CLP
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 18.6% | 16.0% | 11.3% | 16.9% | 20.7% | 15.2% | 18.3% | 18.6% | 18.7% | 16.8% |
| Return on invested capital (ROIC) | 6.5% | 7.0% | 10.1% | 10.8% | 9.5% | 5.0% | 4.7% | 5.5% | 6.0% | 6.1% |
| Return on assets (ROA) | 1.5% | 1.2% | 0.8% | 1.2% | 1.4% | 1.0% | 1.4% | 1.6% | 1.5% | 1.3% |
| Return on tangible assets | 1.5% | 1.2% | 0.8% | 1.2% | 1.3% | 1.0% | 1.2% | 1.5% | 1.6% | 1.3% |
| Free cash flow margin | 13.4% | 7.6% | −42.6% | −10.0% | −20.0% | −33.9% | 62.8% | 35.0% | −20.5% | 25.6% |
| Income quality (OCF / net income) | 0.69 | 0.57 | −3.74 | −0.45 | −0.70 | −1.50 | 2.99 | 1.72 | −0.74 | 1.55 |
| Financial health | ||||||||||
| Total debt | CLP 15.88T | CLP 15.08T | CLP 12.71T | CLP 10.58T | CLP 17.41T | CLP 14.69T | CLP 19.84T | CLP 13.61T | CLP 11.89T | CLP 12.65T |
| Cash & short-term investments | CLP 6.64T | CLP 3.27T | CLP 10.52T | CLP 11.30T | CLP 11.14T | CLP 11.16T | CLP 8.51T | CLP 5.06T | CLP 5.02T | CLP 6.56T |
| Net debt | CLP 9.24T | CLP 11.81T | CLP 2.19T | −CLP 720.92B | CLP 6.27T | CLP 3.53T | CLP 11.33T | CLP 8.54T | CLP 6.87T | CLP 6.09T |
| Debt / equity | 2.83 | 2.81 | 2.39 | 2.13 | 3.93 | 3.97 | 5.70 | 4.14 | 3.83 | 4.37 |
| Debt / assets | 0.23 | 0.22 | 0.18 | 0.15 | 0.27 | 0.26 | 0.39 | 0.35 | 0.33 | 0.34 |
| Net debt / EBITDA | 6.69 | 9.67 | 2.62 | −0.70 | 5.24 | 4.39 | 12.58 | 10.14 | 8.64 | 9.33 |
| Current ratio | 0.21 | 7.22 | 0.38 | 26.69 | 42.24 | 47.08 | 39.23 | 32.18 | 17.37 | 25.09 |
| Quick ratio | 0.21 | 7.22 | 0.88 | 61.59 | 92.04 | 99.66 | 96.04 | 69.66 | 32.31 | 44.90 |
| Interest coverage | 0.7 | 0.5 | 0.2 | 0.4 | 1.0 | 1.1 | 0.9 | 0.9 | 1.0 | 0.7 |
| Working capital | −CLP 25.93T | CLP 4.00T | −CLP 17.73T | CLP 11.37T | CLP 11.20T | CLP 11.12T | CLP 8.55T | CLP 5.09T | CLP 6.29T | CLP 7.89T |
| Invested capital | CLP 14.86T | CLP 17.17T | CLP 7.51T | CLP 4.24T | CLP 10.70T | CLP 7.24T | CLP 14.81T | CLP 11.83T | CLP 9.98T | CLP 8.99T |
| Tangible asset value | CLP 5.64T | CLP 5.27T | CLP 5.22T | CLP 4.86T | CLP 4.33T | CLP 3.62T | CLP 3.41T | CLP 3.22T | CLP 3.04T | CLP 2.84T |
| Net current asset value | −CLP 55.62T | −CLP 58.41T | −CLP 54.70T | −CLP 51.64T | −CLP 47.94T | −CLP 40.63T | −CLP 38.32T | −CLP 30.66T | −CLP 26.02T | −CLP 25.89T |
| Capital allocation | ||||||||||
| Dividends paid | CLP 570.84B | CLP 347.48B | CLP 485.19B | CLP 464.98B | CLP 310.47B | CLP 331.25B | CLP 355.14B | CLP 423.61B | CLP 330.64B | CLP 336.66B |
| Share buybacks (net) | — | — | — | — | — | — | CLP 0 | CLP 0 | CLP 0 | CLP 0 |
| Dividend payout ratio | 55.9% | 40.7% | 83.7% | 58.7% | 36.9% | 60.5% | 57.4% | 71.2% | 58.7% | 70.7% |
| Dividends + buybacks / free cash flow | 91.4% | 92.7% | — | — | — | — | 20.1% | 45.8% | — | 52.1% |
| Capex / revenue | 1.7% | 2.2% | 1.1% | 2.4% | 2.6% | 3.2% | 3.0% | 3.7% | 3.7% | 3.5% |
| Capex / operating cash flow | 11.4% | 22.3% | — | — | — | — | 4.5% | 9.6% | — | 12.2% |
| Capex / depreciation | 0.60 | 0.76 | 0.39 | 0.92 | 0.71 | 0.78 | 0.79 | 1.23 | 1.17 | 1.37 |
| Stock-based compensation / revenue | — | −0.0% | 0.0% | −0.0% | 63.8% | 81.6% | 66.1% | −0.0% | 0.1% | 0.0% |
| SG&A / revenue | 16.6% | 15.7% | 13.8% | 15.8% | 20.8% | 25.1% | 22.9% | 22.7% | 24.4% | 24.8% |
| Efficiency | ||||||||||
| Days sales outstanding | 54.3 | 62.1 | 31.1 | 32.8 | 29.3 | 32.4 | 29.9 | 127.3 | 244.3 | 239.1 |
| Days of inventory on hand | — | — | -1,497.0 | -1,840.9 | -3,416.5 | -4,152.0 | -2,798.9 | -1,885.8 | -2,157.7 | -2,006.7 |
| Days payables outstanding | 90.1 | 66.2 | 55.0 | 76.9 | 128.2 | 98.0 | 57.5 | 87.1 | 125.6 | 89.3 |
| Cash conversion cycle (days) | -35.8 | -4.2 | -1,520.8 | -1,885.0 | -3,515.3 | -4,217.7 | -2,826.5 | -1,845.5 | -2,039.0 | -1,856.9 |
| Receivables turnover | 6.73 | 5.88 | 11.72 | 11.14 | 12.45 | 11.28 | 12.19 | 2.87 | 1.49 | 1.53 |
| Payables turnover | 4.05 | 5.51 | 6.64 | 4.75 | 2.85 | 3.72 | 6.35 | 4.19 | 2.91 | 4.09 |
| Asset turnover | 0.07 | 0.07 | 0.07 | 0.07 | 0.06 | 0.05 | 0.06 | 0.07 | 0.07 | 0.07 |
| Average receivables | CLP 692.66B | CLP 834.05B | CLP 445.63B | CLP 423.75B | CLP 271.01B | CLP 237.19B | CLP 230.59B | CLP 922.19B | CLP 1.65T | CLP 1.66T |
| Average payables | CLP 588.25B | CLP 510.50B | CLP 547.64B | CLP 605.48B | CLP 492.08B | CLP 299.97B | CLP 193.47B | CLP 273.66B | CLP 355.77B | CLP 293.16B |
| Average inventory | — | — | −CLP 14.90T | −CLP 14.49T | −CLP 13.11T | −CLP 12.70T | −CLP 9.41T | −CLP 5.93T | −CLP 6.11T | −CLP 6.58T |
| Intangibles / total assets | 0.1% | 0.1% | 0.1% | 0.2% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% |
Computed from BSAC's annual financial statements (latest annual report filed February 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in CLP; data from EODHD. Averages use the opening and closing balance of each year.
BSAC valuation and financial ratios
Banco Santander-Chile earned a return on equity of 18.6% and a return on invested capital of 6.5% in fiscal 2025. It ended the year with CLP 15.88 trillion of debt and CLP 6.64 trillion in cash and short-term investments, net debt of CLP 9.24 trillion. It returned CLP 570.8 billion to shareholders: CLP 570.8 billion in dividends and CLP 0 in share buybacks, 91% of free cash flow.
See the BSAC income statement, the BSAC chart for price history, or the BSAC stock overview for the latest quote and news.
BSAC key metrics FAQ
What is Banco Santander-Chile's return on equity?
Banco Santander-Chile's return on equity (ROE) was 18.6% in fiscal 2025: net income of CLP 1.02 trillion on average shareholders' equity of CLP 5.49 trillion.
What is Banco Santander-Chile's ROIC?
Banco Santander-Chile's return on invested capital was 6.5% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Banco Santander-Chile have?
Banco Santander-Chile had total debt of CLP 15.88 trillion at the end of fiscal 2025, a debt-to-equity ratio of 2.83 and CLP 9.24 trillion of net debt (6.69 times EBITDA).
What is Banco Santander-Chile's current ratio?
Banco Santander-Chile's current ratio was 0.21 at the end of fiscal 2025: current assets were 0.21 times current liabilities.