BSAC vs. ERIE: A Head-to-Head Stock Comparison

Updated on August 19, 2025

Here’s a clear look at BSAC and ERIE, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

BSAC trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, ERIE is a standard domestic listing.

Symbol	BSAC	ERIE
Company Name	Banco Santander-Chile	Erie Indemnity Company
Country	Chile	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Insurance
Market Capitalization	11.56 billion USD	19.29 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	October 31, 1994	October 2, 1995
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of BSAC and ERIE by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

BSAC vs. ERIE: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	BSAC	ERIE
5-Day Price Return	1.78%	4.64%
13-Week Price Return	0.68%	3.21%
26-Week Price Return	11.31%	-10.64%
52-Week Price Return	31.29%	-18.29%
Month-to-Date Return	2.62%	3.57%
Year-to-Date Return	21.88%	-10.50%
10-Day Avg. Volume	92.83M	0.16M
3-Month Avg. Volume	140.79M	0.15M
3-Month Volatility	16.43%	23.94%
Beta	1.07	0.33

Profitability

Return on Equity (TTM)

BSAC

24.56%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

In the upper quartile for the Banks industry, BSAC’s Return on Equity of 24.56% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

ERIE

30.53%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

ERIE’s Return on Equity of 30.53% is exceptionally high, placing it well beyond the typical range for the Insurance industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

BSAC vs. ERIE: A comparison of their Return on Equity (TTM) against their respective Banks and Insurance industry benchmarks.

Net Profit Margin (TTM)

BSAC

19.02%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, BSAC’s Net Profit Margin of 19.02% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

ERIE

15.73%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

A Net Profit Margin of 15.73% places ERIE in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

BSAC vs. ERIE: A comparison of their Net Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Operating Profit Margin (TTM)

BSAC

20.34%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

BSAC’s Operating Profit Margin of 20.34% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

ERIE

17.49%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

BSAC vs. ERIE: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Profitability at a Glance

Symbol	BSAC	ERIE
Return on Equity (TTM)	24.56%	30.53%
Return on Assets (TTM)	1.60%	21.10%
Net Profit Margin (TTM)	19.02%	15.73%
Operating Profit Margin (TTM)	20.34%	17.49%
Gross Profit Margin (TTM)	--	17.57%

Financial Strength

Current Ratio (MRQ)

BSAC

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

ERIE

1.47

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

BSAC vs. ERIE: A comparison of their Current Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BSAC

3.83

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

ERIE

0.00

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

BSAC vs. ERIE: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

BSAC

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

ERIE

538.86

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

BSAC vs. ERIE: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Financial Strength at a Glance

Symbol	BSAC	ERIE
Current Ratio (MRQ)	--	1.47
Quick Ratio (MRQ)	--	1.39
Debt-to-Equity Ratio (MRQ)	3.83	0.00
Interest Coverage Ratio (TTM)	--	538.86

Growth

Revenue Growth

BSAC vs. ERIE: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BSAC vs. ERIE: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BSAC

5.53%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

BSAC’s Dividend Yield of 5.53% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

ERIE

1.45%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

ERIE’s Dividend Yield of 1.45% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

BSAC vs. ERIE: A comparison of their Dividend Yield (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

BSAC

220.26%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

At 220.26%, BSAC’s Dividend Payout Ratio is exceptionally high, exceeding the typical range for the Banks industry. While this provides a significant return to shareholders, it may limit funds for reinvestment and could be difficult to sustain.

ERIE

39.35%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

ERIE’s Dividend Payout Ratio of 39.35% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

BSAC vs. ERIE: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend at a Glance

Symbol	BSAC	ERIE
Dividend Yield (TTM)	5.53%	1.45%
Dividend Payout Ratio (TTM)	220.26%	39.35%

Valuation

Price-to-Earnings Ratio (TTM)

BSAC

10.15

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

BSAC’s P/E Ratio of 10.15 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

ERIE

27.14

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

A P/E Ratio of 27.14 places ERIE in the upper quartile for the Insurance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

BSAC vs. ERIE: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

BSAC

3.42

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

ERIE

4.27

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

With a P/S Ratio of 4.27, ERIE trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

BSAC vs. ERIE: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

BSAC

2.44

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

At 2.44, BSAC’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

ERIE

8.30

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

At 8.30, ERIE’s P/B Ratio is at an extreme premium to the Insurance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

BSAC vs. ERIE: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Valuation at a Glance

Symbol	BSAC	ERIE
Price-to-Earnings Ratio (TTM)	10.15	27.14
Price-to-Sales Ratio (TTM)	3.42	4.27
Price-to-Book Ratio (MRQ)	2.44	8.30
Price-to-Free Cash Flow Ratio (TTM)	6.50	30.07