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BSAC vs PFG

BSAC
Banco Santander-Chile
NEUTRAL
Price
$36.18
Market Cap
$17.04B
Sector
Financial Services
AI Confidence
90%
PFG
Principal Financial Group, Inc.
NEUTRAL
Price
$93.98
Market Cap
$20.38B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BSAC
14.19
PFG
17.9
Forward P/E
BSAC
12.82
PFG
9.23
P/B Ratio
BSAC
1.48
PFG
1.72
P/S Ratio
BSAC
--
PFG
1.3
EV/EBITDA
BSAC
--
PFG
11.28

Profitability

Gross Margin
BSAC
0.0%
PFG
44.24%
Operating Margin
BSAC
0.0%
PFG
14.11%
Profit Margin
BSAC
45.67%
PFG
7.58%
ROE
BSAC
23.16%
PFG
10.52%
ROA
BSAC
1.57%
PFG
0.28%

Growth

Revenue Growth
BSAC
-5.8%
PFG
-3.7%
Earnings Growth
BSAC
-7.7%
PFG
-40.9%

Financial Health

Debt/Equity
BSAC
--
PFG
0.35
Current Ratio
BSAC
--
PFG
1.51
Quick Ratio
BSAC
--
PFG
0.34

Dividends

Dividend Yield
BSAC
3.78%
PFG
3.33%
Payout Ratio
BSAC
56.1%
PFG
58.67%

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%)
PFG NEUTRAL

PFG presents a contradictory profile where strong price performance masks deteriorating fundamentals. The company maintains a stable health profile with a Piotroski F-Score of 4/9 and low debt, but it is currently trading at a significant premium to its Intrinsic Value ($36.75) and Graham Number ($80.36). Severe contractions in YoY earnings (-40.90%) and revenue (-3.70%) are major concerns, though a low Forward P/E of 9.23 suggests analysts expect a recovery. The stock is currently priced near its 52-week high despite these fundamental headwinds.

Strengths
Low Debt/Equity ratio of 0.35 indicating strong solvency
Sustainable dividend payout ratio of 58.67%
Strong 1-year price appreciation of 36.3%
Risks
Severe YoY earnings decline of 40.90%
Negative revenue growth both YoY (-3.70%) and Q/Q (-3.69%)
Current price ($93.98) is significantly above the growth-based intrinsic value ($36.75)

Compare Another Pair

BSAC vs PFG: Head-to-Head Comparison

This page compares Banco Santander-Chile (BSAC) and Principal Financial Group, Inc. (PFG) 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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