BSAC vs. HDB: Banco Santander-Chile vs. HDFC Bank Stock Comparison

Company Profile

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

Both Banco Santander-Chile (BSAC) and HDFC Bank (HDB) 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 Santander-Chile (BSAC) at 23.31% clears its industry range for ROE, a sharper capital-efficiency signal than HDFC Bank (HDB) at 11.01%, which is closer to a typical peer reading.

Banco Santander-Chile (BSAC) at 47.19% keeps a top-quartile share of each sales dollar as profit, while HDFC Bank (HDB) at 26.53% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for Banco Santander-Chile (BSAC) in Banks and HDFC Bank (HDB) 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 HDFC Bank (HDB) at 5.23% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Only one side can be read here: Banco Santander-Chile (BSAC) reports EPS growth of 22.86%, ranked against its industry; HDFC Bank (HDB) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Santander-Chile (BSAC) in Banks and HDFC Bank (HDB) 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 HDFC Bank (HDB) 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 HDFC Bank (HDB) reports a yield of 52.63%, ranking against industry peers normally.

HDFC Bank (HDB) at 23.43% 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

Banco Santander-Chile (BSAC) at 12.48 is near its industry’s usual P/E ratio, while HDFC Bank (HDB) at 16.22 sits in the richer quartile — HDB needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Banco Santander-Chile (BSAC) in Banks and HDFC Bank (HDB) 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-Chile (BSAC) at 1.33 sits near its industry’s typical P/B ratio, while HDFC Bank (HDB) at 10.01 prices above its benchmark range — HDB looks rich relative to book.

Valuation Metrics