Banco Santander Chile ADR BSAC

Stock XNYS Rating as of Jul 21, 2026

$34.03 +1.01 (3.06%)

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As of Jul 21, 2026, 8:00:15 PM Delayed Price Closed

Company Report

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Banco Santander Chile's Profitability Has Mostly Recovered but Lower Inflation Will Be a Headwind

Michael Miller Apr 30, 2026

Banco Santander Chile is the largest bank by assets in the Chilean market. This scale has afforded the bank the second-cheapest deposit base in the country, significantly contributing to Santander Chile’s impressive returns on equity, which are typically in the upper teens. The bank has benefited from the introduction of the Superdigital and Santander Life accounts that are part of a larger trend toward increased adoption of digital banking in Chile. The bank’s digital offerings are tailored to reach an estimated population of 4.5 million unbanked Chilean citizens and have allowed the firm to trim the size of its branch network.

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Price vs Fair Value

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BSAC is trading within a range we consider fairly valued.

Price

$32.83

Jul 17, 2026

Fair Value

LOCK|.sn

Apr 30, 2026

Uncertainty

LOCK|^$dT

1-Star Price: LOCK|.NM
5-Star Price: LOCK|.y>
Economic Moat: LOCK|V&YD
Capital Allocation: LOCK|t^W!dDP

Bulls Say, Bears Say

Bulls

Banco Santander Chile has one of the largest deposit bases in Chile, and its recent success with its new digital accounts could add to this strength.

Bears

Banco Santader Chile's net interest margin could suffer from lower inflation.

News

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Banco Santander-Chile Down Over 6%, on Pace for Largest Percent Decrease Since April 2023 — Data Talk

Global News Select Mar 3, 2026, 8:29:00 PM

Trading Information

Previous Close Price: $33.02
Day Range: $33.25–34.16
52-Week Range: $22.77–37.72
Bid/Ask: $14.96 / $53.10
Shares Outstanding: 471.12M
Market Cap: $16.03B
Volume/Avg: 298,067 / 430,564

Key Statistics

Price/Earnings (Normalized): 14.39
Price/Sales: 4.67
Dividend Yield (Trailing): 4.35%
Dividend Yield (Forward): 4.35%
Total Yield: 4.35%

Company Profile

Founded in 1978, Banco Santander Chile is part of Santander Group and majority-controlled by Santander Spain. It is the largest bank in Chile by loans and the second largest by deposits. The bank generates most of its net interest income (roughly 65% of total revenue) from its mortgages, unsecured consumer credit lines, and commercial loans. Banco Santander’s commercial loan business is more focused on small- to medium-size companies, with firms generating more than CLP 10,000 million in revenue only making up around 5% of outstanding loans. Outside of lending, Banco Santander is the largest card issuer in the country with around 25% of the market and benefits from a long-term strategic partnership with the largest airline in the country, LATAM.

Sector: Financial Services
Industry: Banks - Regional
Stock Style Box: Large Core
Total Number of Employees: 8,355
Website: https://www.santander.cl

Competitors

Valuation

Metric	BSAC	ITUB	BCH
Price/Earnings (Normalized)	13.88	11.54	19.75
Price/Book Value	3.05	2.27	3.47
Price/Sales	4.50	3.05	6.35
Price/Cash Flow	33.26	5.46	7.88

Price/Earnings

BSAC

ITUB

BCH

Financial Strength

Metric	BSAC	ITUB	BCH
Quick Ratio	—	—	—
Current Ratio	—	—	—
Interest Coverage	—	—	—

Quick Ratio

No chart available

Profitability

Metric	BSAC	ITUB	BCH
Return on Assets (Normalized)	1.58%	1.95%	2.08%
Return on Equity (Normalized)	22.41%	27.99%	19.64%
Return on Invested Capital (Normalized)	—	—	—

Return on Assets