BCH vs. BSBR: Banco de Chile vs. Banco Santander (Brasil) Stock Comparison

Company Profile

Banco de Chile (BCH) and Banco Santander (Brasil) (BSBR) 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 (Brasil) (BSBR) 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

Banco de Chile (BCH) at 21.08% clears its industry range for ROE, a sharper capital-efficiency signal than Banco Santander (Brasil) (BSBR) at 10.20%, which is closer to a typical peer reading.

Banco de Chile (BCH) at 45.15% retains a top-quartile share of revenue as profit, ahead of Banco Santander (Brasil) (BSBR) at 27.53%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco de Chile (BCH) in Banks and Banco Santander (Brasil) (BSBR) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Banco de Chile (BCH) at -1.56% and Banco Santander (Brasil) (BSBR) at -3.79% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Both Banco de Chile (BCH) at -1.84% and Banco Santander (Brasil) (BSBR) at -4.61% post bottom-quartile EPS growth versus peers, pointing to weaker earnings momentum than typical rivals.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco de Chile (BCH) in Banks and Banco Santander (Brasil) (BSBR) 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 (Brasil) (BSBR) 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 de Chile (BCH) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Banco Santander (Brasil) (BSBR) reports a yield of 5.60%, ranking against industry peers normally.

Banco Santander (Brasil) (BSBR) reports payout ratio above 100% at 143.10%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Banco de Chile (BCH) reports 85.54%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Banco de Chile (BCH) at 14.81 and Banco Santander (Brasil) (BSBR) at 14.97 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

P/S ratio is set aside for both Banco de Chile (BCH) in Banks and Banco Santander (Brasil) (BSBR) 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 (Brasil) (BSBR) at 0.34 is priced below its industry’s P/B ratio range against book, and Banco de Chile (BCH) at 0.69 also sits in the lower quartile — both look cheap on assets, BSBR more so.

Valuation Metrics