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BSAC vs FNF

BSAC
Banco Santander-Chile
NEUTRAL
Price
$36.18
Market Cap
$17.04B
Sector
Financial Services
AI Confidence
90%
FNF
Fidelity National Financial, Inc.
NEUTRAL
Price
$52.33
Market Cap
$14.19B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BSAC
14.19
FNF
23.68
Forward P/E
BSAC
12.82
FNF
8.11
P/B Ratio
BSAC
1.48
FNF
1.91
P/S Ratio
BSAC
--
FNF
0.98
EV/EBITDA
BSAC
--
FNF
7.82

Profitability

Gross Margin
BSAC
0.0%
FNF
53.51%
Operating Margin
BSAC
0.0%
FNF
13.06%
Profit Margin
BSAC
45.67%
FNF
4.15%
ROE
BSAC
23.16%
FNF
7.76%
ROA
BSAC
1.57%
FNF
1.1%

Growth

Revenue Growth
BSAC
-5.8%
FNF
12.3%
Earnings Growth
BSAC
-7.7%
FNF
--

Financial Health

Debt/Equity
BSAC
--
FNF
0.53
Current Ratio
BSAC
--
FNF
0.99
Quick Ratio
BSAC
--
FNF
0.19

Dividends

Dividend Yield
BSAC
3.78%
FNF
3.97%
Payout Ratio
BSAC
56.1%
FNF
91.4%

AI Verdict

BSAC NEUTRAL

BSAC shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 0/9). Mixed signals with both opportunities and risks present.

Strengths
Attractive valuation with P/E of 14.2
Strong profitability (45.7% margin)
Strong ROE of 23.2%
Risks
Weak financial trend (Piotroski F-Score: 0/9)
Declining revenue (-5.8%)
FNF NEUTRAL

FNF presents a conflicted profile with a stable Piotroski F-Score of 4/9 but significant valuation gaps, trading at $52.33 against a Graham Number of $36.91 and an Intrinsic Value of $15.47. While revenue growth remains strong at 12.3% and the forward P/E of 8.11 is attractive, the company suffers from poor liquidity (Quick Ratio 0.19) and an unsustainable dividend payout ratio of 91.4%. The disconnect between bullish analyst targets ($64.60) and bearish deterministic metrics suggests a high-risk premium. Overall, the stock is fundamentally overvalued relative to its defensive baseline despite positive top-line growth.

Strengths
Strong YoY revenue growth of 12.30%
Attractive Forward P/E ratio of 8.11
Low PEG ratio (0.85) suggesting growth is undervalued
Risks
Extremely high dividend payout ratio (91.40%) threatening sustainability
Severe liquidity risk indicated by a Quick Ratio of 0.19
Significant premium to Graham Number ($36.91) and Intrinsic Value ($15.47)

Compare Another Pair

BSAC vs FNF: Head-to-Head Comparison

This page compares Banco Santander-Chile (BSAC) and Fidelity National Financial, Inc. (FNF) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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