BSAC vs. ITUB: Banco Santander-Chile vs. Itaú Unibanco Stock Comparison

Company Profile

Banco Santander-Chile (BSAC) and Itaú Unibanco (ITUB) 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 Itaú Unibanco (ITUB) 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

Itaú Unibanco (ITUB) is heavily traded at around 31.15M shares per day, whereas Banco Santander-Chile (BSAC) sees a more moderate 364.16K — 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

Both Banco Santander-Chile (BSAC) at 23.31% and Itaú Unibanco (ITUB) at 20.96% turn shareholders’ equity into profit at rates above their industry benchmark ranges for ROE. That is a strong capital-efficiency signal, though leverage and the equity base still matter.

Banco Santander-Chile (BSAC) at 47.19% retains a top-quartile share of revenue as profit, ahead of Itaú Unibanco (ITUB) at 32.46%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco Santander-Chile (BSAC) in Banks and Itaú Unibanco (ITUB) 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 Itaú Unibanco (ITUB) at 4.21% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Banco Santander-Chile (BSAC) at 22.86% and Itaú Unibanco (ITUB) at 9.21% 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 Itaú Unibanco (ITUB) 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 Itaú Unibanco (ITUB) 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 Itaú Unibanco (ITUB) reports a yield of 40.54%, ranking against industry peers normally.

Both Banco Santander-Chile (BSAC) at 57.73% and Itaú Unibanco (ITUB) at 70.75% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Itaú Unibanco (ITUB) at 9.12 sits in the cheaper P/E ratio quartile, while Banco Santander-Chile (BSAC) at 12.48 is closer to its industry’s usual earnings multiple — a discount for ITUB, though growth and earnings durability still matter.

P/S ratio is set aside for both Banco Santander-Chile (BSAC) in Banks and Itaú Unibanco (ITUB) 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 is valued about in line with its industry on P/B ratio, while Itaú Unibanco (ITUB) at 1.79 carries an above-peer premium to book — ITUB is pricier on assets.

Valuation Metrics