BBVA vs. BSAC: Banco Bilbao Vizcaya Argentaria vs. Banco Santander-Chile Stock Comparison

Company Profile

Banco Bilbao Vizcaya Argentaria (BBVA) and Banco Santander-Chile (BSAC) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both Banco Bilbao Vizcaya Argentaria (BBVA) and Banco Santander-Chile (BSAC) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both companies show strong equity returns, but Banco Santander-Chile (BSAC) at 23.31% is the standout with ROE above its industry range; Banco Bilbao Vizcaya Argentaria (BBVA) at 19.84% also sits in the top quartile.

Banco Santander-Chile (BSAC) at 47.19% retains a top-quartile share of revenue as profit, ahead of Banco Bilbao Vizcaya Argentaria (BBVA) at 32.62%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Banco Santander-Chile (BSAC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Banco Santander-Chile (BSAC) at 9.86% is around its peer norm for revenue growth, while Banco Bilbao Vizcaya Argentaria (BBVA) at 0.46% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 4.76% and Banco Santander-Chile (BSAC) at 22.86% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Banco Santander-Chile (BSAC) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Banco Santander-Chile (BSAC) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Banco Santander-Chile (BSAC) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Banco Bilbao Vizcaya Argentaria (BBVA) reports a yield of 3.80%, ranking against industry peers normally.

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 47.61% and Banco Santander-Chile (BSAC) at 57.73% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 10.99 and Banco Santander-Chile (BSAC) at 12.48 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Banco Santander-Chile (BSAC) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Banco Santander-Chile (BSAC) at 1.33 is valued about in line with its industry on P/B ratio, while Banco Bilbao Vizcaya Argentaria (BBVA) at 2.12 carries an above-peer premium to book — BBVA is pricier on assets.

Valuation Metrics