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BANCO SANTANDER-CHILE-ADR (BSAC) Stock Fundamental Analysis

NYSE:BSAC - New York Stock Exchange, Inc. - US05965X1090 - ADR - Currency: USD

24.09  -0.14 (-0.58%)

After market: 24.2 +0.11 (+0.46%)

Fundamental Rating

2

Overall BSAC gets a fundamental rating of 2 out of 10. We evaluated BSAC against 398 industry peers in the Banks industry. BSAC has a bad profitability rating. Also its financial health evaluation is rather negative. BSAC is valued expensive and it does not seem to be growing. BSAC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BSAC had positive earnings in 4 of the past 5 years.
In multiple years BSAC reported negative operating cash flow during the last 5 years.
BSAC Yearly Net Income VS EBIT VS OCF VS FCFBSAC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500B -500B 1T 1.5T

1.2 Ratios

BSAC has a better Return On Assets (1.15%) than 75.38% of its industry peers.
With an excellent Return On Equity value of 17.97%, BSAC belongs to the best of the industry, outperforming 96.48% of the companies in the same industry.
Industry RankSector Rank
ROA 1.15%
ROE 17.97%
ROIC N/A
ROA(3y)1.03%
ROA(5y)1.02%
ROE(3y)17.91%
ROE(5y)16.91%
ROIC(3y)N/A
ROIC(5y)N/A
BSAC Yearly ROA, ROE, ROICBSAC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20

1.3 Margins

The Profit Margin of BSAC (25.14%) is better than 60.80% of its industry peers.
BSAC's Profit Margin has declined in the last couple of years.
BSAC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.14%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.79%
PM growth 5Y-6.57%
GM growth 3YN/A
GM growth 5YN/A
BSAC Yearly Profit, Operating, Gross MarginsBSAC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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2. Health

2.1 Basic Checks

There is no outstanding debt for BSAC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
BSAC Yearly Shares OutstandingBSAC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M
BSAC Yearly Total Debt VS Total AssetsBSAC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20T 40T 60T

2.2 Solvency

BSAC has a debt to FCF ratio of 22.49. This is a negative value and a sign of low solvency as BSAC would need 22.49 years to pay back of all of its debts.
BSAC's Debt to FCF ratio of 22.49 is on the low side compared to the rest of the industry. BSAC is outperformed by 82.66% of its industry peers.
BSAC has a Debt/Equity ratio of 2.99. This is a high value indicating a heavy dependency on external financing.
BSAC has a worse Debt to Equity ratio (2.99) than 94.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.99
Debt/FCF 22.49
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BSAC Yearly LT Debt VS Equity VS FCFBSAC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5T 10T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BSAC Yearly Current Assets VS Current LiabilitesBSAC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2T 4T 6T 8T 10T

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 54.76% over the past year.
Measured over the past years, BSAC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.13% on average per year.
EPS 1Y (TTM)54.76%
EPS 3Y3.53%
EPS 5Y9.13%
EPS Q2Q%56.38%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%31.85%

3.2 Future

BSAC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.54% yearly.
The Revenue is expected to grow by 6.29% on average over the next years.
EPS Next Y15.59%
EPS Next 2Y11.16%
EPS Next 3Y9.29%
EPS Next 5Y5.54%
Revenue Next Year10.79%
Revenue Next 2Y7.92%
Revenue Next 3Y7.44%
Revenue Next 5Y6.29%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
BSAC Yearly Revenue VS EstimatesBSAC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1T 2T 3T
BSAC Yearly EPS VS EstimatesBSAC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 500 1K 1.5K 2K

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4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
BSAC Price Earnings VS Forward Price EarningsBSAC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BSAC Per share dataBSAC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.16%
EPS Next 3Y9.29%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.54%, BSAC is a good candidate for dividend investing.
BSAC's Dividend Yield is rather good when compared to the industry average which is at 3.52. BSAC pays more dividend than 89.95% of the companies in the same industry.
BSAC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 5.54%

5.2 History

The dividend of BSAC has a limited annual growth rate of 2.75%.
BSAC has paid a dividend for at least 10 years, which is a reliable track record.
BSAC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.75%
Div Incr Years3
Div Non Decr Years3
BSAC Yearly Dividends per shareBSAC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

45.84% of the earnings are spent on dividend by BSAC. This is a bit on the high side, but may be sustainable.
BSAC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP45.84%
EPS Next 2Y11.16%
EPS Next 3Y9.29%
BSAC Yearly Income VS Free CF VS DividendBSAC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500B -500B 1T 1.5T
BSAC Dividend Payout.BSAC Dividend Payout, showing the Payout Ratio.BSAC Dividend Payout.PayoutRetained Earnings

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BANCO SANTANDER-CHILE-ADR

NYSE:BSAC (4/30/2025, 8:04:01 PM)

After market: 24.2 +0.11 (+0.46%)

24.09

-0.14 (-0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28
Earnings (Next)07-29 2025-07-29
Inst Owners20.8%
Inst Owner Change-1.21%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap11.35B
Analysts76
Price Target24.97 (3.65%)
Short Float %0.34%
Short Ratio1.24
Dividend
Industry RankSector Rank
Dividend Yield 5.54%
Yearly DividendN/A
Dividend Growth(5Y)2.75%
DP45.84%
Div Incr Years3
Div Non Decr Years3
Ex-Date04-23 2025-04-23 (1.348993)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.55%
Min EPS beat(2)-0.81%
Max EPS beat(2)11.91%
EPS beat(4)1
Avg EPS beat(4)-2.74%
Min EPS beat(4)-16.12%
Max EPS beat(4)11.91%
EPS beat(8)2
Avg EPS beat(8)-11.7%
EPS beat(12)5
Avg EPS beat(12)-3.78%
EPS beat(16)9
Avg EPS beat(16)0.8%
Revenue beat(2)2
Avg Revenue beat(2)2.1%
Min Revenue beat(2)1.23%
Max Revenue beat(2)2.97%
Revenue beat(4)2
Avg Revenue beat(4)-3.11%
Min Revenue beat(4)-15.26%
Max Revenue beat(4)2.97%
Revenue beat(8)3
Avg Revenue beat(8)-1.44%
Revenue beat(12)7
Avg Revenue beat(12)4.75%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)5.04%
PT rev (3m)12.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)11.32%
EPS NY rev (1m)0%
EPS NY rev (3m)5.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.59%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)N/A
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 17.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.14%
GM N/A
FCFM 23.62%
ROA(3y)1.03%
ROA(5y)1.02%
ROE(3y)17.91%
ROE(5y)16.91%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.79%
PM growth 5Y-6.57%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 2.99
Debt/FCF 22.49
Debt/EBITDA N/A
Cap/Depr 66.96%
Cap/Sales 3.16%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 93.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)69.6%
Cap/Depr(5y)70.14%
Cap/Sales(3y)3.66%
Cap/Sales(5y)3.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)54.76%
EPS 3Y3.53%
EPS 5Y9.13%
EPS Q2Q%56.38%
EPS Next Y15.59%
EPS Next 2Y11.16%
EPS Next 3Y9.29%
EPS Next 5Y5.54%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%31.85%
Revenue Next Year10.79%
Revenue Next 2Y7.92%
Revenue Next 3Y7.44%
Revenue Next 5Y6.29%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-33.07%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y121.03%
FCF growth 3YN/A
FCF growth 5Y-4.62%
OCF growth 1Y124.32%
OCF growth 3YN/A
OCF growth 5Y-4.05%