BCH vs. BSAC: Banco de Chile vs. Banco Santander-Chile Stock Comparison

Company Profile

Banco de Chile (BCH) 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 de Chile (BCH) 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 Banco de Chile (BCH) at 21.08% and Banco Santander-Chile (BSAC) at 23.31% turn shareholders’ equity into profit at rates above their industry benchmark ranges for ROE. That is a strong capital-efficiency signal, though leverage and the equity base still matter.

For every dollar of sales, both Banco de Chile (BCH) at 45.15% and Banco Santander-Chile (BSAC) at 47.19% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

Neither side reports a meaningful operating margin: for Banco de Chile (BCH) 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 de Chile (BCH) at -1.56% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Banco Santander-Chile (BSAC) at 22.86% is around its peer norm for EPS growth, while Banco de Chile (BCH) at -1.84% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco de Chile (BCH) 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 de Chile (BCH) 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

Neither Banco de Chile (BCH) nor Banco Santander-Chile (BSAC) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Both pay out more than their industries’ typical bands, and BCH more so: Banco Santander-Chile (BSAC) at 57.73% sits above the band, while Banco de Chile (BCH) at 85.54% exceeds every peer in its group.

Dividend Metrics

Valuation

Banco Santander-Chile (BSAC) at 12.48 is near its industry’s usual P/E ratio, while Banco de Chile (BCH) at 14.81 sits in the richer quartile — BCH needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Banco de Chile (BCH) 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 de Chile (BCH) at 0.69 sits in the lower P/B ratio quartile against book while Banco Santander-Chile (BSAC) at 1.33 is valued near its industry’s middle — BCH is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics