BSAC vs. SHG: Banco Santander-Chile vs. Shinhan Financial Stock Comparison

Company Profile

Banco Santander-Chile (BSAC) and Shinhan Financial (SHG) 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 Shinhan Financial (SHG) 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% delivers above-range ROE, while Shinhan Financial (SHG) at 8.94% falls into the bottom quartile — a wide split in profit generated from equity.

Banco Santander-Chile (BSAC) at 47.19% keeps a top-quartile share of each sales dollar as profit, while Shinhan Financial (SHG) at 26.15% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for Banco Santander-Chile (BSAC) in Banks and Shinhan Financial (SHG) 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 Shinhan Financial (SHG) at 4.66% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Banco Santander-Chile (BSAC) at 22.86% and Shinhan Financial (SHG) at 16.24% 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 Shinhan Financial (SHG) 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 Shinhan Financial (SHG) 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 Shinhan Financial (SHG) reports a yield of 4,638.28%, ranking against industry peers normally.

Shinhan Financial (SHG) at 25.22% 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

Shinhan Financial (SHG) at 7.98 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 SHG, though growth and earnings durability still matter.

P/S ratio is set aside for both Banco Santander-Chile (BSAC) in Banks and Shinhan Financial (SHG) 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.

Shinhan Financial (SHG) at 0.66 sits in the lower P/B ratio quartile against book while Banco Santander-Chile (BSAC) at 1.33 is valued near its industry’s middle — SHG is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics