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BSACBanco Santander-Chile
$33.70$15.9B
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BSAC logoBanco Santander-Chile(BSAC)Earnings, Financials & Key Ratios

BSAC•NYSE•Banking & Credit
$33.70
14.0× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryNon-US regional and universal banks
AboutBanco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail Banking, Middle-Market, Corporate Investment Banking, and Corporate Activities segments. The company offers debit and credit cards, checking accounts, and savings products; consumer, automobile, commercial, mortgage, and government-guaranteed loans; and Chilean peso and foreign currency denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines, as well as mortgage financing services. It also provides mutual funds, insurance and securities brokerage, foreign exchange, financial leasing, factoring, financial consulting and advisory, investment management, foreign trade, treasury, and transactional services, as well as specialized services to finance projects for the real estate industry. In addition, the company offers short-term financing and fund raising, and brokerage services, as well as derivatives, securitization, and other tailor-made products. It serves individuals, small to middle-sized entities, companies, and large corporations, as well as universities, government entities, and local and regional governments. As of December 31, 2021, the company operated 326 branches, which include 220 under the Santander brand name, 14 under the Select brand name, 7 specialized branches for the middle market, and 22 as auxiliary and payment centers, as well as 1,338 ATMs, including depository ATMs. Banco Santander-Chile was incorporated in 1977 and is headquartered in Santiago, Chile.Show more
  • Net Interest Income$1986.68B+11.2%
  • Total Revenue$4660.08B-5.0%
  • Net Income$1021.65B+19.8%
  • Return on Equity18.42%+15.3%
  • Net Interest Margin2.92%+11.6%
  • Efficiency Ratio22.11%+7.2%
  • ROA1.5%+22.4%
  • Equity / Assets8.42%+7.4%
  • Book Value per Share12176.00+7.0%

BSAC Price & Volume

Banco Santander-Chile (BSAC) stock price & volume — 10-year historical chart

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Inflationary Normalization Pressures Santander Chile Earnings Quality

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Deteriorating
Primary Risk:Inflation-linked asset volatility

Key Thesis Takeaways

  • Banco Santander-Chile faces a challenging transition as the cooling of Chilean inflation-linked indexation erodes the non-recurring tailwinds that previously bolstered its interest-earning asset base.
  • While the bank maintains an adequate balance sheet with an equity-to-assets ratio of 0.07, persistent volatility in non-interest income and erratic provisioning expenses suggest significant earnings uncertainty.
  • Investors should monitor the bank's ability to stabilize its efficiency ratio, which spiked to 54.1% in 2026Q1, as it navigates a defensive strategic pivot in a tightening macroeconomic environment.

Verdict Logic

while the stock trades at a P/B of 2.43, the extreme volatility in the efficiency ratio, which reached 54.1% in 2026Q1, warrants caution regarding the sustainability of future earnings.

BSAC Growth Metrics

Banco Santander-Chile (BSAC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years6.57%
5 Years11.73%
3 Years-0.43%
TTM-

Profit CAGR

10 Years8.58%
5 Years13.28%
3 Years8.85%
TTM0.65%

EPS CAGR

10 Years8.91%
5 Years13.95%
3 Years10%
TTM3.15%

Return on Capital

10 Years2.13%
5 Years2.09%
3 Years2.13%
Last Year3.41%

BSAC Recent Earnings

Banco Santander-Chile (BSAC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 4/12 qtrs (40%)
Q2 2026Latest
Apr 30, 2026
Metric
Actual
Est
EPS
$0.63+1.6%
$0.62
Rev
$807M-0.5%
$811M
Q1 2026
Jan 30, 2026
Metric
Actual
Est
EPS
$0.59+0.0%
$0.59
Rev
$835M+6.8%
$782M
Q4 2025
Oct 30, 2025
Metric
Actual
Est
EPS
$0.50-15.8%
$0.59
Rev
$1.1B
—
Q3 2025
Jul 31, 2025
Metric
Actual
Est
EPS
$0.60-3.2%
$0.62
Rev
$443M-41.9%
$763M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 30, 2026
$0.63vs $0.62+1.6%
$807Mvs $811M-0.5%
Q1 2026Jan 30, 2026
$0.59vs $0.59+0.0%
$835Mvs $782M+6.8%
Q4 2025Oct 30, 2025
$0.50vs $0.59-15.8%
$1.1B
Q3 2025Jul 31, 2025
$0.60vs $0.62-3.2%
$443Mvs $763M-41.9%
Based on last 12 quarters of dataView full earnings history →

Latest BSAC News

Recent stock market news and headlines for Banco Santander-Chile (BSAC)

GlobeNewsWire·Jun 24, 2026
Banco Santander Chile: Second Quarter 2026 Analyst and Investor Webcast / Conference Call

SANTIAGO, Chile, June 24, 2026 (GLOBE NEWSWIRE) -- You are cordially invited to participate in Banco Santander Chile's (NYSE: BSAC) conference call-webcast on Wednesday August 5, 2026, at 11.00 AM NY time where we will discuss 2Q 2026 financial results. The Bank's Officers participating in the conference call are: Patricia Pérez, CFO, Cristian Vicuña, Chief Strategy Officer & Head of IR and Andres Sansone, Chief Economist. A question and answer session will follow the presentation.

Zacks Investment Research·Jun 22, 2026
Why Banco Santander-Chile (BSAC) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Banco Santander-Chile (BSAC) have what it takes?

Peers Comparison

Key metrics vs top competitors for Banco Santander-Chile (BSAC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
BSAC logoBSACBanco Santander-ChileCurrent
$33.70$15.88B14.03-4.96%21.92%18.42%3.86%
BCH logoBCHBanco de Chile
$40.52$20.47B15.99-34.9%37.22%19.59%—
BBD logoBBDBanco Bradesco S.A.
$3.40$35.96B7.9737.11%6.32%12.84%—
ITUB logoITUBItaú Unibanco Holding S.A.
$8.23$90.71B10.7618.03%11.91%20.77%—
SAN logoSANBanco Santander, S.A.
$14.19$208.28B14.27-7.71%18.62%12.76%—
BSBR logoBSBRBanco Santander (Brasil) S.A.
$5.10$38.19B16.0717.45%8.18%11.11%—

Compare BSAC vs Peers

Banco Santander-Chile (BSAC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BCH

Most directly comparable listed peer for BSAC.

Scale Benchmark

vs V

Larger-name benchmark to compare BSAC against a more recognizable public peer.

Peer Set

Compare Top 5

vs BCH, BBD, ITUB, SAN

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BSAC Frequently Asked Questions

Banco Santander-Chile (BSAC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Banco Santander-Chile growing?

Banco Santander-Chile (BSAC) saw revenue decline by 5.0% over the past year.

Is BSAC profitable?

Yes, Banco Santander-Chile (BSAC) is profitable, generating $1.02T in net income for fiscal year 2025 (21.9% net margin).

Dividend & Returns
Does BSAC pay dividends?

Yes, Banco Santander-Chile (BSAC) pays a dividend with a yield of 3.86%. This makes it attractive for income-focused investors.

What is BSAC's return on equity?

Banco Santander-Chile (BSAC) has a return on equity (ROE) of 18.4%. This is reasonable for most industries.

Industry Metrics
What is Banco Santander-Chile's net interest margin?

Banco Santander-Chile (BSAC) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

What is Banco Santander-Chile's efficiency ratio?

Banco Santander-Chile (BSAC) has an efficiency ratio of 22.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in BSAC back in 1998?

Total return calculator · dividends reinvested · 28+ years of data

See returns →