BSAC vs. SYF: A Head-to-Head Stock Comparison

Updated on October 10, 2025

Here’s a clear look at BSAC and SYF, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

BSAC trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, SYF is a standard domestic listing.

Symbol	BSAC	SYF
Company Name	Banco Santander-Chile	Synchrony Financial
Country	Chile	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Consumer Finance
Market Capitalization	12.62 billion USD	26.40 billion USD
Exchange	NYSE	NYSE
Listing Date	October 31, 1994	July 31, 2014
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of BSAC and SYF by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

BSAC vs. SYF: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	BSAC	SYF
5-Day Price Return	-1.44%	0.98%
13-Week Price Return	7.46%	1.15%
26-Week Price Return	15.05%	52.43%
52-Week Price Return	31.29%	37.62%
Month-to-Date Return	-0.94%	-0.11%
Year-to-Date Return	33.36%	9.18%
10-Day Avg. Volume	87.59M	3.23M
3-Month Avg. Volume	118.22M	3.31M
3-Month Volatility	17.09%	23.44%
Beta	1.07	1.48

Profitability

Return on Equity (TTM)

BSAC

24.56%

Banks Industry

Max: 25.40%
Q3: 15.55%
Median: 12.00%
Q1: 8.98%
Min: -0.10%

In the upper quartile for the Banks industry, BSAC’s Return on Equity of 24.56% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

SYF

19.89%

Consumer Finance Industry

Max: 32.87%
Q3: 21.72%
Median: 12.80%
Q1: 9.07%
Min: -3.88%

SYF’s Return on Equity of 19.89% is on par with the norm for the Consumer Finance industry, indicating its profitability relative to shareholder equity is typical for the sector.

BSAC vs. SYF: A comparison of their Return on Equity (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Net Profit Margin (TTM)

BSAC

19.02%

Banks Industry

Max: 54.20%
Q3: 35.73%
Median: 28.97%
Q1: 22.56%
Min: 6.98%

Falling into the lower quartile for the Banks industry, BSAC’s Net Profit Margin of 19.02% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

SYF

14.06%

Consumer Finance Industry

Max: 19.68%
Q3: 17.11%
Median: 13.55%
Q1: 9.71%
Min: -0.75%

SYF’s Net Profit Margin of 14.06% is aligned with the median group of its peers in the Consumer Finance industry. This indicates its ability to convert revenue into profit is typical for the sector.

BSAC vs. SYF: A comparison of their Net Profit Margin (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Operating Profit Margin (TTM)

BSAC

20.34%

Banks Industry

Max: 63.35%
Q3: 44.73%
Median: 37.24%
Q1: 28.25%
Min: 12.28%

BSAC’s Operating Profit Margin of 20.34% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

SYF

18.39%

Consumer Finance Industry

Max: 50.11%
Q3: 32.02%
Median: 19.92%
Q1: 14.90%
Min: -5.45%

SYF’s Operating Profit Margin of 18.39% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.

BSAC vs. SYF: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Profitability at a Glance

Symbol	BSAC	SYF
Return on Equity (TTM)	24.56%	19.89%
Return on Assets (TTM)	1.60%	2.73%
Net Profit Margin (TTM)	19.02%	14.06%
Operating Profit Margin (TTM)	20.34%	18.39%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

BSAC

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SYF

Consumer Finance Industry

Max: 7.85
Q3: 4.26
Median: 2.28
Q1: 0.82
Min: 0.07

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

BSAC vs. SYF: A comparison of their Current Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BSAC

3.83

Banks Industry

Max: 5.78
Q3: 2.66
Median: 1.05
Q1: 0.40
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

SYF

0.94

Consumer Finance Industry

Max: 6.63
Q3: 3.60
Median: 2.40
Q1: 0.99
Min: 0.23

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

BSAC vs. SYF: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Interest Coverage Ratio (TTM)

BSAC

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

SYF

Consumer Finance Industry

Max: 49.63
Q3: 28.11
Median: 4.75
Q1: 2.86
Min: -15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

BSAC vs. SYF: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Financial Strength at a Glance

Symbol	BSAC	SYF
Current Ratio (MRQ)	--	--
Quick Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	3.83	0.94
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

BSAC vs. SYF: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BSAC vs. SYF: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BSAC

5.05%

Banks Industry

Max: 11.03%
Q3: 6.00%
Median: 3.87%
Q1: 2.41%
Min: 0.00%

BSAC’s Dividend Yield of 5.05% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

SYF

1.86%

Consumer Finance Industry

Max: 7.21%
Q3: 3.38%
Median: 2.39%
Q1: 0.67%
Min: 0.00%

SYF’s Dividend Yield of 1.86% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

BSAC vs. SYF: A comparison of their Dividend Yield (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Dividend Payout Ratio (TTM)

BSAC

220.26%

Banks Industry

Max: 134.24%
Q3: 79.39%
Median: 55.09%
Q1: 36.09%
Min: 0.00%

At 220.26%, BSAC’s Dividend Payout Ratio is exceptionally high, exceeding the typical range for the Banks industry. While this provides a significant return to shareholders, it may limit funds for reinvestment and could be difficult to sustain.

SYF

14.94%

Consumer Finance Industry

Max: 145.89%
Q3: 88.89%
Median: 25.97%
Q1: 9.25%
Min: 0.00%

SYF’s Dividend Payout Ratio of 14.94% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

BSAC vs. SYF: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Dividend at a Glance

Symbol	BSAC	SYF
Dividend Yield (TTM)	5.05%	1.86%
Dividend Payout Ratio (TTM)	220.26%	14.94%

Valuation

Price-to-Earnings Ratio (TTM)

BSAC

11.11

Banks Industry

Max: 22.69
Q3: 13.75
Median: 10.32
Q1: 7.73
Min: 2.59

BSAC’s P/E Ratio of 11.11 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

SYF

8.03

Consumer Finance Industry

Max: 35.93
Q3: 20.63
Median: 12.65
Q1: 9.73
Min: 3.96

In the lower quartile for the Consumer Finance industry, SYF’s P/E Ratio of 8.03 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

BSAC vs. SYF: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Price-to-Sales Ratio (TTM)

BSAC

3.42

Banks Industry

Max: 4.90
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

SYF

0.73

Consumer Finance Industry

Max: 3.79
Q3: 2.71
Median: 1.91
Q1: 1.14
Min: 0.61

In the lower quartile for the Consumer Finance industry, SYF’s P/S Ratio of 0.73 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

BSAC vs. SYF: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Price-to-Book Ratio (MRQ)

BSAC

2.44

Banks Industry

Max: 2.09
Q3: 1.40
Median: 1.11
Q1: 0.86
Min: 0.29

At 2.44, BSAC’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

SYF

1.50

Consumer Finance Industry

Max: 3.80
Q3: 2.83
Median: 2.02
Q1: 1.18
Min: 0.26

SYF’s P/B Ratio of 1.50 is within the conventional range for the Consumer Finance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

BSAC vs. SYF: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Valuation at a Glance

Symbol	BSAC	SYF
Price-to-Earnings Ratio (TTM)	11.11	8.03
Price-to-Sales Ratio (TTM)	3.42	0.73
Price-to-Book Ratio (MRQ)	2.44	1.50
Price-to-Free Cash Flow Ratio (TTM)	7.11	2.67