BCH vs. SAN: Banco de Chile vs. Banco Santander Stock Comparison

Company Profile

Banco de Chile (BCH) and Banco Santander (SAN) 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 (SAN) 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

Banco Santander (SAN) is heavily traded at around 11.52M shares per day, whereas Banco de Chile (BCH) sees a more moderate 324.97K — larger orders in the latter may require more patience and tighter control over order sizing.

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 (SAN) at 13.06%, 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 (SAN) at 32.58%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco de Chile (BCH) in Banks and Banco Santander (SAN) 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 (SAN) at -0.47% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Banco Santander (SAN) at 17.19% 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 (SAN) 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 (SAN) 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 (SAN) reports a yield of 2.10%, ranking against industry peers normally.

Banco Santander (SAN) at 25.91% keeps its payout in the industry’s typical band, while Banco de Chile (BCH) at 85.54% pays out more than any of its peers — the most stretched cover in its group.

Dividend Metrics

Valuation

Banco Santander (SAN) at 11.08 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 (SAN) 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 (SAN) 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