BSAC vs. RY: Banco Santander-Chile vs. Royal Bank of Canada Stock Comparison

Company Profile

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

Royal Bank of Canada (RY) 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

Both companies show strong equity returns, but Banco Santander-Chile (BSAC) at 23.31% is the standout with ROE above its industry range; Royal Bank of Canada (RY) at 16.21% also sits in the top quartile.

Banco Santander-Chile (BSAC) at 47.19% retains a top-quartile share of revenue as profit, ahead of Royal Bank of Canada (RY) at 33.87%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco Santander-Chile (BSAC) in Banks and Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) at 15.73% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Only one side can be read here: Banco Santander-Chile (BSAC) reports EPS growth of 22.86%, ranked against its industry; Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) reports a yield of 3.23%, ranking against industry peers normally.

Both Banco Santander-Chile (BSAC) at 57.73% and Royal Bank of Canada (RY) at 41.49% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Banco Santander-Chile (BSAC) at 12.48 is near its industry’s usual P/E ratio, while Royal Bank of Canada (RY) at 17.58 sits in the richer quartile — RY 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 Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) at 2.92 prices above its benchmark range — RY looks rich relative to book.

Valuation Metrics