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BSAC

NEUTRAL
$36.18 Live
Banco Santander-Chile · NYSE
Target $30.25 (-16.4%)
$19.66 52W Range $36.19

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Jan 24, 2026
Market cap
$17.04B
P/E
14.19
ROE
23.2%
Profit margin
45.7%
Debt/Equity
N/A
Dividend yield
3.78%

AI Analysis

AI-powered fundamental assessment

Confidence
90%
BSAC shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 0/9). Mixed signals with both opportunities and risks present.

Key Strengths

Attractive valuation with P/E of 14.2
Strong profitability (45.7% margin)
Strong ROE of 23.2%

Key Risks

Weak financial trend (Piotroski F-Score: 0/9)
Declining revenue (-5.8%)
AI Fair Value Estimate
Based on comprehensive analysis
$17.85
-50.7% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
52
Moderate
Value
75
Future
35
Past
70
Health
30
Dividend
50
AI Verdict
BSAC shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 0/9). Mixed signals with both opportunities and risks present.
Key drivers: Attractive valuation with P/E of 14.2, Strong profitability (45.7% margin), Weak financial trend (Piotroski F-Score: 0/9)
Confidence
50%
Value
75/100

Rule-based valuation (P/E + Graham).

Positives
  • Trades at attractive 14.2x trailing earnings.
  • Trades below Graham Number.
Watchpoints
No urgent risks highlighted.
Future
35/100

Rule-based growth outlook.

Positives
  • Insufficient data for clear positives.
Watchpoints
  • Revenue is contracting.
Past
70/100

Historical performance + price trend: Shares moved +126.8% over 5Y and +92.5% over 1Y.

Positives
  • ROE sits at 23.2%.
  • Healthy profit margin of 45.7%.
Watchpoints
No urgent risks highlighted.
Health
30/100

Balance sheet & liquidity (Z-Score: N/A).

Positives
  • Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.
Dividend
50/100

Dividend policy fallback.

Positives
  • Moderate dividend profile (Score: 50/100).
  • Yield: 3.8%.
Watchpoints
No urgent risks highlighted.

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$36.18
Analyst Target
$30.25
Upside/Downside
-16.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for BSAC and closest competitors.

Updated 2026-01-23
BSA
Banco Santander-Chile
Primary
5Y
+126.8%
3Y
+172.0%
1Y
+92.5%
6M
+54.5%
1M
+15.5%
1W
+8.6%
CIB
Grupo Cibest S.A.
Peer
5Y
+305.8%
3Y
+316.8%
1Y
+77.2%
6M
+29.8%
1M
-0.2%
1W
-3.2%
EWB
East West Bancorp, Inc.
Peer
5Y
+82.3%
3Y
+136.6%
1Y
+60.2%
6M
+22.7%
1M
+15.0%
1W
+1.4%
AFR
Affirm Holdings, Inc.
Peer
5Y
-42.4%
3Y
+368.3%
1Y
-0.0%
6M
-43.6%
1M
-17.1%
1W
-9.3%
FNF
Fidelity National Financial, Inc.
Peer
5Y
+51.6%
3Y
+77.1%
1Y
-10.8%
6M
-3.0%
1M
+16.8%
1W
+5.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
14.19
Forward P/E
12.82
PEG Ratio
N/A
P/B Ratio
1.48
P/S Ratio
N/A
EV/Revenue
N/A
EV/EBITDA
N/A
Market Cap
$17.04B

Profitability

Profit margins and return metrics

Profit Margin 45.67%
Operating Margin N/A
Gross Margin N/A
ROE 23.16%
ROA 1.57%

Growth

Revenue and earnings growth rates

Revenue Growth -5.8%
Earnings Growth -7.7%
Q/Q Revenue Growth N/A
Q/Q Earnings Growth -7.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$N/A

Quarterly Earnings History

EPS performance vs analyst estimates

2026-01-30
$N/A
2025-10-30
$0.5
-18.1% surprise
2025-07-31
$0.6
-3.4% surprise
2025-04-30
$0.62
+7.5% surprise

Financial Services Sector Comparison

Comparing BSAC against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)
P/E Ratio
14.19
This Stock
vs
36.01
Sector Avg
-60.6% (Discount)
Return on Equity (ROE)
23.16%
This Stock
vs
-0.73%
Sector Avg
-3260.8% (Below Avg)
Profit Margin
45.67%
This Stock
vs
91.62%
Sector Avg
-50.2% (Weaker)
Revenue Growth
-5.8%
This Stock
vs
35.27%
Sector Avg
-116.4% (Slower)

Similar Companies

Peer comparison within the same industry

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
HOLD
11 analysts
UBS
2025-11-10
Maintains
Neutral Neutral
Citigroup
2025-11-07
down
Buy Neutral
JP Morgan
2025-10-16
Maintains
Neutral Neutral

Past News Coverage

Recent headlines mentioning BSAC from our newsroom.

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