BSAC vs. IBN: Banco Santander-Chile vs. ICICI Bank Stock Comparison

Company Profile

Banco Santander-Chile (BSAC) and ICICI Bank (IBN) 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 ICICI Bank (IBN) 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

Both companies show strong equity returns, but Banco Santander-Chile (BSAC) at 23.31% is the standout with ROE above its industry range; ICICI Bank (IBN) at 16.49% also sits in the top quartile.

Banco Santander-Chile (BSAC) at 47.19% retains a top-quartile share of revenue as profit, ahead of ICICI Bank (IBN) at 27.85%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco Santander-Chile (BSAC) in Banks and ICICI Bank (IBN) 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 Santander-Chile (BSAC) at 9.86% and ICICI Bank (IBN) at 9.13% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both Banco Santander-Chile (BSAC) at 22.86% and ICICI Bank (IBN) at 5.10% 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 ICICI Bank (IBN) 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 ICICI Bank (IBN) 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

Neither Banco Santander-Chile (BSAC) nor ICICI Bank (IBN) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

ICICI Bank (IBN) at 14.16% retains more earnings than its industry usually does; Banco Santander-Chile (BSAC) at 57.73% distributes an above-typical share — opposite departures from the band, with the risk sitting on BSAC’s side.

Dividend Metrics

Valuation

Banco Santander-Chile (BSAC) at 12.48 is near its industry’s usual P/E ratio, while ICICI Bank (IBN) at 19.26 sits above its peer range — an unusually expensive price for IBN’s trailing earnings.

P/S ratio is set aside for both Banco Santander-Chile (BSAC) in Banks and ICICI Bank (IBN) 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 ICICI Bank (IBN) at 2.94 prices above its benchmark range — IBN looks rich relative to book.

Valuation Metrics