BSAC
Banco Santander-Chile
Price Chart
Latest Quote
$32.83
-0.23 (-0.70%)
Current Price
| Previous Close | $33.06 |
| Open | $32.62 |
| Day High | $33.12 |
| Day Low | $32.48 |
| Volume | 451,978 |
Stock Information
Note: Financial values converted from CLP to USD
| Quarterly Dividend / Yield | $1.48 / 4.48% |
| Shares Outstanding | 471.12M |
| Quarterly Dividend Yield | 4.48% |
| Quarterly Dividend | $1.48 |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $15.47B |
| P/E Ratio | 14.21 |
| EPS (TTM) | $2.31 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Book/sh | $24.37 |
| Employees | 9K |
Financial Ratios
| EPS Growth TTM | 40.40% |
Returns & Margins
| ROA | 1.69% |
| ROE | 23.59% |
| Profit Margin | 47.26% |
Ownership
| Institutional Ownership | 5.15% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 10.54 |
| PEG | 2.52 |
| P/B | 1.35 |
Analyst Data
| Recommendation | hold |
| Target Price | $34.30 |
Technical Indicators
| SMA20 | $32.92 |
| SMA50 | $31.88 |
| SMA200 | $30.68 |
| RSI | 56.40 |
| ATR | 0.8657 |
| Shares Float | 305.58M |
| Short Float | 0.61% |
| Short Ratio | 2.38 |
| Volatility | 0.24 |
| Rel Volume | 1.29 |
Performance History
| Week | -3.33% |
| Month | -1.79% |
| Quarter | -3.76% |
| 6 Months | +4.33% |
| YTD | +10.45% |
| Year | +46.77% |
| 3 Years | +96.80% |
| 5 Years | +128.88% |
| 10 Years | +160.66% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-07-17 | $32.83 | 473,000 |
| 2026-07-16 | $33.06 | 290,700 |
| 2026-07-15 | $33.72 | 322,700 |
| 2026-07-14 | $33.85 | 309,400 |
| 2026-07-13 | $33.56 | 253,600 |
| 2026-07-10 | $33.96 | 452,200 |
| 2026-07-09 | $33.43 | 287,900 |
| 2026-07-08 | $33.06 | 353,100 |
| 2026-07-07 | $33.70 | 492,900 |
| 2026-07-06 | $33.26 | 307,100 |
| 2026-07-02 | $32.66 | 345,400 |
| 2026-07-01 | $32.57 | 277,300 |
| 2026-06-30 | $32.93 | 557,600 |
| 2026-06-29 | $32.43 | 217,200 |
| 2026-06-26 | $32.12 | 245,300 |
| 2026-06-25 | $31.99 | 594,600 |
| 2026-06-24 | $31.46 | 336,200 |
| 2026-06-23 | $32.25 | 319,500 |
| 2026-06-22 | $32.88 | 444,400 |
| 2026-06-18 | $32.64 | 459,300 |
About Banco Santander-Chile
Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other segments. The company provides checking accounts and savings products; debit and credit cards; consumer, auto, 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 offers mutual fund management, insurance and securities brokerage, foreign exchange services, financial leasing, financial consulting and advisory, investment management, foreign trade, leasing, factoring, treasury, and transactional services, as well as specialized services to finance residential projects. In addition, the company offers short-term financing and funding, and brokerage services, as well as derivatives, securitization, and other products; and manages capital allocations. Further, it provides health, life, travel, automobile, and unemployment insurance products; personal and corporate protection products; guarantees; international investment accounts, structured funds, and alternative investment funds; and wealth management and open architecture, asset management, and private banking services. It serves individuals, small to middle-sized companies, and other companies, as well as universities, government agencies, municipalities, regional governments, and construction and real estate companies. The company was incorporated in 1977 and is headquartered in Santiago, Chile. Banco Santander-Chile is a subsidiary of Banco Santander, S.A.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Operating Revenue | $3,046,458,337 | $2,772,977,489 | $2,041,736,666 | $2,354,894,183 |
| Total Revenue | - | - | - | - |
| Expenses | ||||
| Interest Expense | $1,932,840,325 | $2,466,134,816 | $3,537,746,825 | $2,688,931,290 |
| Rent Expense Supplemental | $18,787,464 | $25,121,541 | $16,164,292 | $10,017,202 |
| Selling And Marketing Expense | $22,548,589 | $24,855,484 | $25,168,555 | $27,763,946 |
| General And Administrative Expense | $802,898,815 | $795,802,896 | $741,921,565 | $770,325,544 |
| Professional Expense And Contract Services Expense | $9,487,226 | $10,631,591 | $8,261,654 | $10,333,479 |
| Other Non Interest Expense | $90,246,714 | $60,921,687 | $22,401,136 | $73,549,239 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $1,091,634,660 | $911,393,399 | $619,118,677 | $846,548,174 |
| Net Interest Income | $2,122,773,964 | $1,909,183,700 | $1,167,924,605 | $1,677,667,184 |
| Interest Income | $4,055,614,289 | $4,375,318,516 | $4,705,671,430 | $4,366,598,475 |
| Normalized Income | $1,119,635,891 | $946,248,403 | $620,870,654 | $839,567,277 |
| Net Income From Continuing And Discontinued Operation | $1,091,634,660 | $911,393,399 | $619,118,677 | $846,548,174 |
| Net Income Common Stockholders | $1,091,634,660 | $911,393,399 | $619,118,677 | $846,548,174 |
| Net Income | $1,091,634,660 | $911,393,399 | $619,118,677 | $846,548,174 |
| Net Income Including Noncontrolling Interests | $1,109,161,291 | $918,751,101 | $634,515,785 | $862,795,809 |
| Net Income Discontinuous Operations | $0 | $0 | $0 | $0 |
| Net Income Continuous Operations | $1,109,161,291 | $918,751,101 | $634,515,785 | $862,795,809 |
| Pretax Income | $1,330,727,920 | $1,153,548,985 | $738,745,979 | $962,833,203 |
| Special Income Charges | $-41,333,916 | $-48,088,983 | $-16,094,840 | $-1,292,887 |
| Depreciation Amortization Depletion Income Statement | $144,417,608 | $151,123,524 | $153,609,927 | $138,897,728 |
| Depreciation And Amortization In Income Statement | $144,417,608 | $151,123,524 | $153,609,927 | $138,897,728 |
| Amortization Of Intangibles Income Statement | $51,133,144 | $56,611,352 | $57,050,506 | $45,279,892 |
| Depreciation Income Statement | $93,284,464 | $94,512,172 | $96,559,421 | $93,617,836 |
| Per Share | ||||
| Diluted EPS | $2.39 | $1.94 | $1.13 | $1.80 |
| Basic EPS | $2.39 | $1.94 | $1.13 | $1.80 |
| Other | ||||
| Tax Effect Of Unusual Items | $-5,593,527 | $-8,907,615 | $-287,793 | $827,713 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-33,594,759 | $-43,762,620 | $-2,039,770 | $7,808,610 |
| Total Unusual Items Excluding Goodwill | $-33,594,759 | $-43,762,620 | $-2,039,770 | $7,808,610 |
| Reconciled Depreciation | $144,417,608 | $151,123,524 | $153,609,927 | $138,897,728 |
| Diluted Average Shares | $503,290 | $503,387 | $503,387 | $503,387 |
| Basic Average Shares | $503,290 | $503,387 | $503,387 | $503,387 |
| Diluted NI Availto Com Stockholders | $1,091,634,660 | $911,393,399 | $619,118,677 | $846,548,174 |
| Minority Interests | $-17,526,632 | $-7,357,702 | $-15,397,108 | $-16,247,635 |
| Tax Provision | $221,566,629 | $234,797,884 | $104,230,194 | $100,037,394 |
| Other Special Charges | $825,952 | $593,018 | $-1,155,050 | $1,292,887 |
| Write Off | $4,003,675 | $1,383,710 | $2,042,975 | $0 |
| Restructuring And Mergern Acquisition | $36,504,289 | $46,112,255 | $15,206,915 | $0 |
| Gain On Sale Of Security | $284,871,075 | $253,585,348 | $312,664,938 | $229,438,280 |
| Amortization | $51,133,144 | $56,611,352 | $57,050,506 | $45,279,892 |
| Selling General And Administration | $825,447,404 | $820,658,380 | $767,090,121 | $798,089,489 |
| Other Gand A | $335,147,280 | $302,930,889 | $268,278,313 | $258,708,813 |
| Insurance And Claims | $5,858,594 | $39,694,834 | $15,134,257 | $56,491,680 |
| Rent And Landing Fees | $18,787,464 | $25,121,541 | $16,164,292 | $10,017,202 |
| Salaries And Wages | $443,105,477 | $428,055,631 | $442,344,703 | $445,107,849 |
| Impairment Of Capital Assets | - | - | - | $0 |
| Gain On Sale Of Business | - | - | - | - |
Fetched: 2026-07-08
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $5,903,347,394 | $5,519,763,867 | $5,470,951,509 | $5,071,743,284 |
| Total Assets | $72,815,477,716 | $73,089,017,331 | $75,630,244,303 | $73,109,044,256 |
| Goodwill And Other Intangible Assets | $97,741,184 | $94,742,968 | $104,233,400 | $115,172,719 |
| Other Intangible Assets | $97,741,184 | $94,742,968 | $104,233,400 | $115,172,719 |
| Prepaid Assets | $26,071,439 | $90,086,438 | $181,221,077 | $262,784,078 |
| Receivables | $1,221,983,307 | $1,373,962,700 | $1,594,673,459 | $543,897,232 |
| Other Receivables | $1,115,735,782 | $1,149,887,230 | $1,381,244,539 | $346,236,190 |
| Accounts Receivable | $106,247,525 | $224,075,471 | $213,428,921 | $197,661,042 |
| Cash And Cash Equivalents | $5,597,417,221 | $5,466,811,065 | $6,171,157,703 | $5,630,787,595 |
| Cash Equivalents | $1,729,904 | $1,197,790 | $875,103 | $763,979 |
| Cash Financial | $1,291,668,844 | $1,311,799,414 | $1,280,671,826 | $1,186,923,632 |
| Cash Cash Equivalents And Federal Funds Sold | $9,198,550,766 | $6,794,593,126 | $7,448,583,421 | $6,619,783,059 |
| Notes Receivable | - | - | - | - |
| Debt | ||||
| Net Debt | $8,380,539,065 | $9,900,292,397 | $8,929,564,036 | $7,384,028,829 |
| Total Debt | $14,021,389,807 | $15,438,566,987 | $15,212,397,253 | $13,161,296,239 |
| Long Term Debt And Capital Lease Obligation | $14,014,306,710 | $15,425,013,044 | $15,190,262,174 | $13,133,619,911 |
| Long Term Debt | $13,977,956,286 | $15,367,103,463 | $15,100,721,740 | $13,014,816,423 |
| Current Debt And Capital Lease Obligation | $7,083,097 | $13,553,943 | $22,135,079 | $27,676,328 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $66,686,230,919 | $67,362,965,339 | $69,921,779,847 | $67,805,058,944 |
| Derivative Product Liabilities | $13,989,651,036 | $15,987,244,695 | $14,038,346,928 | $16,253,840,118 |
| Non Current Deferred Liabilities | $8,823,686 | $4,056,032 | $6,652,491 | $409,322,661 |
| Non Current Deferred Taxes Liabilities | $1,907,275 | $722,307 | $3,789,975 | $402,533,402 |
| Payables And Accrued Expenses | $918,426,276 | $672,657,018 | $788,381,084 | $1,126,515,894 |
| Payables | $918,426,276 | $672,657,018 | $788,381,084 | $1,126,515,894 |
| Other Payable | $106,887,558 | $25,782,944 | $39,341,160 | $284,000,246 |
| Total Tax Payable | $119,376,204 | $81,941,251 | $223,037,955 | $198,200,636 |
| Income Tax Payable | $119,376,204 | $81,941,251 | $223,037,955 | $198,200,636 |
| Accounts Payable | $692,162,514 | $564,932,823 | $526,001,968 | $644,315,013 |
| Equity | ||||
| Common Stock Equity | $6,001,088,578 | $5,614,506,836 | $5,575,184,908 | $5,186,916,003 |
| Total Equity Gross Minority Interest | $6,129,246,797 | $5,726,051,992 | $5,708,464,455 | $5,303,985,312 |
| Stockholders Equity | $6,001,088,578 | $5,614,506,836 | $5,575,184,908 | $5,186,916,003 |
| Other Equity Interest | $672,587,565 | $740,879,776 | $650,419,362 | $630,679,864 |
| Gains Losses Not Affecting Retained Earnings | $3,669,223,809 | $3,387,900,160 | $3,371,515,757 | $2,877,895,798 |
| Other Equity Adjustments | $3,745,280,822 | $3,502,415,751 | $3,377,116,842 | $3,056,492,635 |
| Retained Earnings | $706,918,522 | $533,368,218 | $600,891,108 | $725,981,659 |
| Long Term Equity Investment | $71,632,347 | $63,880,368 | $59,071,042 | $49,777,216 |
| Other | ||||
| Ordinary Shares Number | $201,354,988 | $201,354,988 | $201,354,988 | $201,354,988 |
| Share Issued | $201,354,988 | $201,354,988 | $201,354,988 | $201,354,988 |
| Tangible Book Value | $5,903,347,394 | $5,519,763,867 | $5,470,951,509 | $5,071,743,284 |
| Invested Capital | $19,979,044,864 | $20,981,610,298 | $20,675,906,648 | $18,201,732,426 |
| Capital Lease Obligations | $43,433,522 | $71,463,524 | $111,675,513 | $146,479,816 |
| Total Capitalization | $19,979,044,864 | $20,981,610,298 | $20,675,906,648 | $18,201,732,426 |
| Minority Interest | $128,158,219 | $111,545,156 | $133,279,547 | $117,069,309 |
| Unrealized Gain Loss | $-76,057,012 | $-114,515,590 | $-5,601,085 | $-178,596,837 |
| Capital Stock | $952,358,682 | $952,358,682 | $952,358,682 | $952,358,682 |
| Common Stock | $952,358,682 | $952,358,682 | $952,358,682 | $952,358,682 |
| Non Current Deferred Revenue | $6,916,411 | $3,333,725 | $2,862,516 | $6,789,259 |
| Long Term Capital Lease Obligation | $36,350,424 | $57,909,581 | $89,540,434 | $118,803,487 |
| Long Term Provisions | $895,883,030 | $797,638,581 | $303,423,468 | $492,602,745 |
| Current Capital Lease Obligation | $7,083,097 | $13,553,943 | $22,135,079 | $27,676,328 |
| Defined Pension Benefit | $740,472 | $1,035,378 | $248,961 | $579,128 |
| Investments And Advances | $7,468,431,907 | $7,674,981,814 | $12,470,465,078 | $10,709,983,677 |
| Available For Sale Securities | $5,903,729,917 | $5,530,569,624 | $8,737,025,391 | $5,201,028,772 |
| Net PPE | $291,099,370 | $334,054,203 | $376,403,196 | $397,365,060 |
| Accumulated Depreciation | $-757,483,223 | $-737,611,230 | $-683,222,362 | $-621,499,298 |
| Gross PPE | $1,048,582,593 | $1,071,665,433 | $1,059,625,557 | $1,018,864,358 |
| Leases | $178,838,318 | $202,196,832 | $230,166,998 | $247,468,176 |
| Other Properties | $545,931,659 | $504,439,605 | $473,100,453 | $422,654,356 |
| Buildings And Improvements | $311,692,602 | $350,048,604 | $340,724,859 | $332,691,864 |
| Land And Improvements | $12,120,014 | $14,980,392 | $15,633,247 | $16,049,963 |
| Other Short Term Investments | $1,493,069,642 | $2,080,531,822 | $3,674,368,645 | $5,459,177,690 |
| Treasury Shares Number | - | - | $0 | - |
Fetched: 2026-07-08
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-87,745,351 | $400,333,357 | $1,278,211,067 | $-504,631,936 |
| Operating Activities | ||||
| Operating Cash Flow | $59,202,468 | $515,432,350 | $1,405,889,528 | $-383,579,252 |
| Cash Flow From Continuing Operating Activities | $59,202,468 | $515,432,350 | $1,405,889,528 | $-383,579,252 |
| Operating Gains Losses | $-30,449,090 | $-20,891,343 | $-24,037,012 | $-22,512,260 |
| Investing Activities | ||||
| Capital Expenditure | $-146,947,820 | $-115,098,992 | $-127,678,462 | $-121,052,683 |
| Investing Cash Flow | $-112,133,900 | $-113,880,901 | $-125,922,914 | $-101,082,388 |
| Cash Flow From Continuing Investing Activities | $-112,133,900 | $-113,880,901 | $-125,922,914 | $-101,082,388 |
| Net Other Investing Changes | - | - | $2,137,003 | - |
| Financing Activities | ||||
| Financing Cash Flow | $-663,644,207 | $-398,387,616 | $-550,590,326 | $-410,649,740 |
| Cash Flow From Continuing Financing Activities | $-663,644,207 | $-398,387,616 | $-550,590,326 | $-410,649,740 |
| Cash Dividends Paid | $-641,459,977 | $-371,286,141 | $-518,427,360 | $-496,828,668 |
| Dividend Received Cfo | $3,616,878 | $1,032,173 | $3,145,669 | $562,032 |
| Net Other Financing Charges | - | - | - | - |
| Other | ||||
| Issuance Of Debt | $0 | $0 | $0 | $109,501,112 |
| End Cash Position | $2,236,439,027 | $2,960,820,071 | $2,949,838,011 | $2,222,361,519 |
| Beginning Cash Position | $2,960,820,071 | $2,949,838,011 | $2,222,361,519 | $3,089,994,435 |
| Effect Of Exchange Rate Changes | $-7,805,404 | $7,818,226 | $-1,899,796 | $27,678,465 |
| Changes In Cash | $-716,575,639 | $3,163,833 | $729,376,288 | $-895,311,381 |
| Net Issuance Payments Of Debt | $-22,184,230 | $-27,101,475 | $-32,162,967 | $86,178,928 |
| Net Long Term Debt Issuance | $-22,184,230 | $-27,101,475 | $-32,162,967 | $86,178,928 |
| Long Term Debt Payments | $-22,184,230 | $-27,101,475 | $-32,162,967 | $-23,322,184 |
| Long Term Debt Issuance | $0 | $0 | $0 | $109,501,112 |
| Net Intangibles Purchase And Sale | $-56,489,543 | $-47,611,363 | $-48,154,162 | $-58,659,669 |
| Purchase Of Intangibles | $-56,489,543 | $-47,611,363 | $-48,154,162 | $-58,659,669 |
| Net PPE Purchase And Sale | $-55,644,358 | $-66,269,538 | $-77,768,752 | $-42,422,719 |
| Sale Of PPE | $34,813,919 | $1,218,092 | $1,755,548 | $19,970,295 |
| Purchase Of PPE | $-90,458,277 | $-67,487,630 | $-79,524,300 | $-62,393,014 |
| Interest Received Cfo | $4,530,661,553 | $5,304,995,046 | $4,982,363,125 | $4,366,598,475 |
| Interest Paid Cfo | $-3,441,266,473 | $-4,363,507,300 | $-4,422,678,781 | $-2,691,981,863 |
| Change In Working Capital | $-43,670,729 | $502,822,962 | $764,582,347 | $-987,055,066 |
| Change In Other Working Capital | $-3,088,180,119 | $1,078,877,819 | $3,030,728,925 | $969,809,450 |
| Change In Other Current Assets | $-21,771,789 | $-22,526,151 | $-6,074,432 | $-1,638,013 |
| Other Non Cash Items | $-2,995,500,427 | $-2,648,975,742 | $-872,554,434 | $-2,451,269,822 |
| Unrealized Gain Loss On Investment Securities | $-876,171 | $-48,472,575 | $-134,217,691 | $-21,554,883 |
| Asset Impairment Charge | $4,003,675 | $1,383,710 | $2,042,975 | $0 |
| Deferred Tax | $-41,454,657 | $13,526,162 | $-140,182,067 | $-55,755,482 |
| Deferred Income Tax | $-41,454,657 | $13,526,162 | $-140,182,067 | $-55,755,482 |
| Depreciation Amortization Depletion | $144,417,608 | $151,123,524 | $153,609,927 | $138,897,728 |
| Depreciation And Amortization | $144,417,608 | $151,123,524 | $153,609,927 | $138,897,728 |
| Amortization Cash Flow | $51,133,144 | $56,611,352 | $57,050,506 | $45,279,892 |
| Amortization Of Intangibles | $51,133,144 | $56,611,352 | $57,050,506 | $45,279,892 |
| Depreciation | $93,284,464 | $94,512,172 | $96,559,421 | $93,617,836 |
| Earnings Losses From Equity Investments | $-9,925,311 | $-9,117,524 | $-9,363,280 | $-11,016,251 |
| Gain Loss On Sale Of PPE | $-10,756,606 | $-5,473,934 | $-5,642,757 | $-6,843,753 |
| Gain Loss On Sale Of Business | $0 | $-2,033,359 | $0 | $0 |
| Net Income From Continuing Operations | $1,109,161,291 | $918,751,101 | $634,515,785 | $862,795,809 |
| Net Investment Purchase And Sale | - | - | - | - |
| Sale Of Investment | - | - | - | - |
| Purchase Of Investment | - | - | - | - |
Fetched: 2026-07-08