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Banco Santander-Chile (BSAC)

Financial Services · NYQ · US

USD33.06-1.11% today

Fundamentals

Market capUSD15.89B
P/E ratio14.7
Dividend yield4.38%
Revenue growth (YoY)+19.3%
Profit margin47.3%
Return on equity23.6%
52-week rangeUSD22.77 to USD37.72
Next earnings2026-07-31

Valuation and ratings

DCF fair valueUSD74.18
Upside to fair value+124.4%
Analyst target (mean)USD34.31
Analyst rangeUSD18.90 to USD40.00
Analysts covering11
Consensus viewhold
Moat score60/100
Overall rating78/100, Strong Buy

Banco Santander-Chile trades at USD33.06, which is 124% below the USD74.18 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.

Our moat model scores it 60 out of 100, which is a moat, but not a deep one. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.

It changes hands at 14.7 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.

About Banco Santander-Chile

Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other segments. The company provides checking accounts and savings products; debit and credit cards; consumer, auto, commercial, mortgage, and government-guaranteed loans; and Chilean peso and foreign currency denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines, as well as mortgage financing services. It offers mutual fund management, insurance and securities brokerage, foreign exchange services, financial leasing, financial consulting and advisory, investment management, foreign trade, leasing, factoring, treasury, and transactional services, as well as specialized services to finance residential projects. In addition, the company offers short-term financing and funding, and brokerage services, as well as derivatives, securitization, and other products; and manages capital allocations. Further, it provides health, life, travel, automobile, and unemployment insurance products; personal and corporate protection products; guarantees; international investment accounts, structured funds, and alternative investment funds; and wealth management and open architecture, asset management, and private banking services. It serves individuals, small to middle-sized companies, and other companies, as well as universities, government agencies, municipalities, regional governments, and construction and real estate companies. The company was incorporated in 1977 and is headquartered in Santiago, Chile. Banco Santander-Chile is a subsidiary of Banco Santander, S.A.

Industry: Banks - RegionalEmployees: 8,526HQ: Chile

BSAC passes 6 of our 30 screens today

Each screen prints the exact criteria it used, and the circumstances in which it is wrong.

Undervalued on cash flow
Companies trading at least 25% below what our discounted cash flow model says the future cash is worth today.
Dividend powerhouses
Yields above 3%, filtered for the one thing yield screens never check: whether the company can actually afford it.
Growing dividend payers
A modest yield attached to a growing business beats a large yield attached to a shrinking one, every time, over any horizon that matters.
High return on equity, low debt
A high ROE is easy to fake with borrowing. This screen demands the return without the leverage, which is a much shorter list.
Fortress balance sheets
Companies that owe almost nothing. They will survive things that kill their competitors, and they can buy the wreckage afterwards.
High margin machines
Companies that keep an unusually large share of every pound they sell. That is pricing power made visible.

Smart money ownership

7 of the funds we track reported a position in their latest SEC 13F filing. Largest first:

A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.

Common questions

Is Banco Santander-Chile (BSAC) undervalued?

Against our discounted cash flow estimate of USD74.18, BSAC at USD33.06 is 124% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.

Which funds own BSAC?

7 of the institutions we track reported a position in BSAC in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.

What is BSAC's P/E ratio?

BSAC trades at 14.7 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.

The full research page for BSAC, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.

Open BSAC in the appFree guides and screens

Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.