BSAC vs. C: Banco Santander-Chile vs. Citigroup Stock Comparison

Company Profile

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

Citigroup (C) trades as ordinary local shares, while Banco Santander-Chile (BSAC) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

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 Santander-Chile (BSAC) at 23.31% delivers above-range ROE, while Citigroup (C) at 9.35% falls into the bottom quartile — a wide split in profit generated from equity.

Banco Santander-Chile (BSAC) at 47.19% keeps a top-quartile share of each sales dollar as profit, while Citigroup (C) at 23.21% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for Banco Santander-Chile (BSAC) in Banks and Citigroup (C) 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 Citigroup (C) at 5.63% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Banco Santander-Chile (BSAC) at 22.86% and Citigroup (C) at 17.68% 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 Santander-Chile (BSAC) in Banks and Citigroup (C) 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 Santander-Chile (BSAC) in Banks and Citigroup (C) 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 Citigroup (C) reports a yield of 2.09%, ranking against industry peers normally.

Citigroup (C) at 24.07% pays out a band-typical share of earnings, while Banco Santander-Chile (BSAC) at 57.73% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both Banco Santander-Chile (BSAC) at 12.48 and Citigroup (C) at 11.60 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 Santander-Chile (BSAC) in Banks and Citigroup (C) 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.

Citigroup (C) at 1.03 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 — C is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics