Banco Santander-Chile (BSAC) Stock Analysis

November 11, 2026

This is a peer-relative look at Banco Santander-Chile (BSAC): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Banco Santander-Chile (BSAC) trades as an ADR rather than ordinary local shares — read it with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile fields for Banco Santander-Chile (BSAC)
Profile Item	BSAC
Name	Banco Santander Chile SA ADR
Country/Region	Chile
GICS Sector	Financials
GICS Industry Group	Banks
GICS Industry	Banks
GICS Sub-Industry	Diversified Banks
Market Capitalization	15.23 billion USD
Currency	USD
Exchange	NYSE
Listing Date	October 31, 1994
Security Type	ADR

Price Performance

Cumulative Growth

BSAC

GSPC

Banco Santander-Chile (BSAC) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Banco Santander-Chile (BSAC) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Banco Santander-Chile (BSAC) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Banco Santander-Chile (BSAC) metric values compared with Banks industry-group medians
Metric	Current stock: BSAC	Industry group median
Total Return (1Y)	15.11%	30.28%
Total Return (3Y, Annualized)	28.36%	26.57%
Total Return (5Y, Annualized)	17.06%	9.43%

Risk Profile

Drawdown History

BSAC

GSPC

Banco Santander-Chile (BSAC) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Banco Santander-Chile (BSAC) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Banco Santander-Chile (BSAC) metric values compared with Banks industry-group medians
Metric	Current stock: BSAC	Industry group median
Volatility (1Y, Annualized)	29.66%	24.34%
Beta (5Y)	0.56	0.72
Max Drawdown (5Y)	-37.02%	-43.36%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. BSAC is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Banco Santander-Chile (BSAC) metric values compared with Banks industry-group medians
Metric	Current stock: BSAC	Industry group median
Sharpe Ratio (1Y)	0.37	1.08
Sortino Ratio (1Y)	0.53	1.61

Profitability

ROE (TTM)

Banco Santander-Chile (BSAC) posts ROE of 23.31%, above the industry benchmark range. Equity is being turned into profit at an exceptional rate, but very high ROE should still be checked against leverage, buybacks, and the size of the equity base.

BSAC

Banks industry group

23.31%

Group distribution

BSAC: 23.31%
Max: 19.84%
Q3: 13.67%
Median: 11.49%
Q1: 9.50%
Min: 3.64%

Largest peers

BSAC: 23.31%
JPM: 18.01%
RY: 16.21%
HSBC: 14.22%
WFC: 12.91%
BAC: 10.73%
MUFG: 9.46%

Where Banco Santander-Chile (BSAC) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Banco Santander-Chile (BSAC) keeps 47.19% of revenue as net profit, putting net margin in the upper peer quartile. After operating costs, interest, and taxes, more of each sales dollar reaches shareholders than it does at most industry peers.

BSAC

Banks industry group

47.19%

Group distribution

BSAC: 47.19%
Max: 47.19%
Q3: 35.25%
Median: 31.21%
Q1: 27.11%
Min: 14.93%

Largest peers

BSAC: 47.19%
HSBC: 41.16%
JPM: 34.59%
RY: 33.87%
BAC: 28.06%
WFC: 27.64%
MUFG: 27.45%

Where Banco Santander-Chile (BSAC) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Banco Santander-Chile (BSAC) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Banco Santander-Chile (BSAC) metric values compared with Banks industry-group medians
Metric	Current stock: BSAC	Industry group median
ROE (TTM)	23.31%	11.49%
ROA (TTM)	1.56%	1.24%
Net Margin (TTM)	47.19%	31.21%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Banco Santander-Chile (BSAC) grew revenue 9.86%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

Banco Santander-Chile (BSAC): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

Banco Santander-Chile (BSAC) grew earnings per share 22.86%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

Banco Santander-Chile (BSAC): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

Banco Santander-Chile (BSAC) metric values compared with Banks industry-group medians
Metric	Current stock: BSAC	Industry group median
Revenue Growth (YoY)	9.86%	11.23%
Revenue Growth (3Y CAGR)	8.96%	6.33%
EPS Growth (YoY)	22.86%	16.14%
EPS Growth (3Y CAGR)	9.96%	3.15%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Banco Santander-Chile (BSAC) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Banco Santander-Chile (BSAC) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Banco Santander-Chile (BSAC) metric values compared with Banks industry-group medians
Metric	Current stock: BSAC	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Banco Santander-Chile (BSAC) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.

BSAC

Banks industry group

0.00%

Group distribution

Max: 5.79%
Q3: 3.18%
Median: 2.39%
Q1: 1.20%
BSAC: 0.00%
Min: 0.00%

Largest peers

MUFG: 406.81%
RY: 3.23%
BAC: 2.33%
WFC: 2.19%
JPM: 1.82%
HSBC: 0.86%
BSAC: 0.00%

Where Banco Santander-Chile (BSAC) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Banco Santander-Chile (BSAC) has payout ratio of 57.73%, above the industry’s usual payout band. A larger share of earnings is going to dividends, so the cushion narrows if profit weakens.

BSAC

Banks industry group

57.73%

Group distribution

Max: 70.75%
BSAC: 57.73%
Q3: 41.28%
Median: 29.26%
Q1: 18.98%
Min: 0.00%

Largest peers

BSAC: 57.73%
HSBC: 53.57%
RY: 41.49%
MUFG: 34.74%
BAC: 27.62%
WFC: 26.09%
JPM: 25.80%

Where Banco Santander-Chile (BSAC) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Banco Santander-Chile (BSAC) metric values compared with Banks industry-group medians
Metric	Current stock: BSAC	Industry group median
Dividend Yield (TTM)	0.00%	2.39%
Dividend Payout Ratio (TTM)	57.73%	29.26%

Valuation

P/E Ratio (TTM)

Banco Santander-Chile (BSAC) trades at P/E ratio of 12.48, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

BSAC

Banks industry group

12.48

Group distribution

Max: 18.16
Q3: 13.75
BSAC: 12.48
Median: 11.81
Q1: 10.64
Min: 6.49

Largest peers

RY: 17.58
JPM: 14.03
MUFG: 13.71
BSAC: 12.48
WFC: 11.84
BAC: 11.79
HSBC: 11.38

Where Banco Santander-Chile (BSAC) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for Banco Santander-Chile (BSAC) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

Banco Santander-Chile (BSAC) trades at 1.33 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

BSAC

Banks industry group

1.33

Group distribution

Max: 2.28
Q3: 1.58
BSAC: 1.33
Median: 1.32
Q1: 1.10
Min: 0.59

Largest peers

HSBC: 6.87
RY: 2.92
JPM: 2.53
MUFG: 1.64
WFC: 1.59
BSAC: 1.33
BAC: 1.26

Where Banco Santander-Chile (BSAC) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Banco Santander-Chile (BSAC) metric values compared with Banks industry-group medians
Metric	Current stock: BSAC	Industry group median
P/E Ratio (TTM)	12.48	11.81
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.33	1.32
Free Cash Flow Yield (TTM)	--	--