BSAC vs. SMFG: Banco Santander-Chile vs. Sumitomo Mitsui Financial Stock Comparison

Company Profile

Banco Santander-Chile (BSAC) and Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) at 8.57% falls into the bottom quartile — a wide split in profit generated from equity.

Banco Santander-Chile (BSAC) at 47.19% retains a top-quartile share of revenue as profit, ahead of Sumitomo Mitsui Financial (SMFG) at 27.82%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco Santander-Chile (BSAC) in Banks and Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) at 14.32% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Sumitomo Mitsui Financial (SMFG) at 36.62% sits in the top EPS growth quartile, while Banco Santander-Chile (BSAC) at 22.86% is closer to the peer norm — faster per-share earnings growth for SMFG.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Santander-Chile (BSAC) in Banks and Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) reports a yield of 334.33%, ranking against industry peers normally.

Sumitomo Mitsui Financial (SMFG) at 33.62% 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

Both Banco Santander-Chile (BSAC) at 12.48 and Sumitomo Mitsui Financial (SMFG) at 13.47 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

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

On P/B ratio, both Banco Santander-Chile (BSAC) at 1.33 and Sumitomo Mitsui Financial (SMFG) at 1.45 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics