BANCO SANTANDER-CHILE-ADR(NYSE:BSAC) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to BSAC. BSAC was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of BSAC have multiple concerns. BSAC does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

Of the past 5 years BSAC 4 years were profitable.

The reported operating cash flow has been mixed in the past 5 years: BSAC reported negative operating cash flow in multiple years.

1.2 Ratios

With a decent Return On Assets value of 1.15%, BSAC is doing good in the industry, outperforming 78.20% of the companies in the same industry.

The Return On Equity of BSAC (17.97%) is better than 95.24% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

BSAC has a better Profit Margin (25.14%) than 63.66% of its industry peers.

In the last couple of years the Profit Margin of BSAC has declined.

The Operating Margin and Gross Margin are not available for BSAC so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

2.2 Solvency

The Debt to FCF ratio of BSAC is 22.49, which is on the high side as it means it would take BSAC, 22.49 years of fcf income to pay off all of its debts.

BSAC has a Debt to FCF ratio of 22.49. This is in the lower half of the industry: BSAC underperforms 77.19% of its industry peers.

A Debt/Equity ratio of 2.99 is on the high side and indicates that BSAC has dependencies on debt financing.

BSAC has a Debt to Equity ratio of 2.99. This is amonst the worse of the industry: BSAC underperforms 95.74% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.99
Debt/FCF	22.49
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BSAC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20478.87%, which is quite impressive.

BSAC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 190.19% yearly.

EPS 1Y (TTM)20478.87%

EPS 3Y428.44%

EPS 5Y190.19%

EPS Q2Q%63936.05%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%24.61%

3.2 Future

Based on estimates for the next years, BSAC will show a very negative growth in Earnings Per Share. The EPS will decrease by -69.86% on average per year.

Based on estimates for the next years, BSAC will show a small growth in Revenue. The Revenue will grow by 3.65% on average per year.

EPS Next Y-99.16%

EPS Next 2Y-90.45%

EPS Next 3Y-78.83%

EPS Next 5Y-69.86%

Revenue Next Year9.8%

Revenue Next 2Y8.13%

Revenue Next 3Y7%

Revenue Next 5Y3.65%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as BSAC's earnings are expected to decrease with -78.83% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-90.45%

EPS Next 3Y-78.83%

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5. Dividend

5.1 Amount

BSAC has a Yearly Dividend Yield of 3.53%. Purely for dividend investing, there may be better candidates out there.

BSAC's Dividend Yield is a higher than the industry average which is at 3.18.

Compared to an average S&P500 Dividend Yield of 2.27, BSAC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.53%

5.2 History

The dividend of BSAC has a limited annual growth rate of 2.75%.

BSAC has been paying a dividend for at least 10 years, so it has 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

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.

DP45.84%

EPS Next 2Y-90.45%

EPS Next 3Y-78.83%

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BANCO SANTANDER-CHILE-ADR

NYSE:BSAC (2/21/2025, 7:05:58 PM)

After market: 21.81 0 (0%)

21.81

-0.47 (-2.11%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-31 2025-01-31/bmo

Earnings (Next)04-28 2025-04-28

Inst Owners20.8%

Inst Owner Change-90.84%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap10.28B

Analysts77.33

Price Target22.58 (3.53%)

Short Float %0.32%

Short Ratio2.45

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.53%

Yearly Dividend2.57

Dividend Growth(5Y)2.75%

DP45.84%

Div Incr Years3

Div Non Decr Years3

Ex-DateN/A

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)1.63%

PT rev (3m)-1.01%

EPS NQ rev (1m)11.32%

EPS NQ rev (3m)11.34%

EPS NY rev (1m)5.41%

EPS NY rev (3m)5.43%

Revenue NQ rev (1m)3.18%

Revenue NQ rev (3m)3.18%

Revenue NY rev (1m)0.59%

Revenue NY rev (3m)2.12%

Valuation

		Industry Rank	Sector 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 Rank	Sector 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 Rank	Sector 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)20478.87%

EPS 3Y428.44%

EPS 5Y190.19%

EPS Q2Q%63936.05%

EPS Next Y-99.16%

EPS Next 2Y-90.45%

EPS Next 3Y-78.83%

EPS Next 5Y-69.86%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%24.61%

Revenue Next Year9.8%

Revenue Next 2Y8.13%

Revenue Next 3Y7%

Revenue Next 5Y3.65%

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%

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens