BSAC
Banco Santander-Chile
BSAC's fundamentals are mixed: revenue grew 20%, but its operating margin fell 5 points to 28%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
BSAC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BSAC's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BSAC.
BSAC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $24.82 | -22% |
| Fair | 12x | $29.10 | -9% |
| Current | 13x | $31.97 | — |
| Expensive | 14x | $34.00 | +6.3% |
Historical ranges are pointers, not guarantees.
BSAC's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
BSAC Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BSAC, with profitability improving.
BSAC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $2.46 | +8.4% |
| Q1 2026 | $2.23 | +3.2% |
| Q4 2025 | $2.23 | +22% |
| Q3 2025 | $2.28 | +27% |
| Q2 2025 | $2.27 | +63% |
| Q1 2025 | $2.16 | +80% |
| Q4 2024 | $1.83 | +49% |
| Q3 2024 | $1.79 | +108% |
BSAC's earnings per share have climbed steadily: $2.46 over the past year, up 8.4% from the year before, and higher year over year for nine quarters in a row.
BSAC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $1.2B | +2.7% |
| Q1 2026 | $734.2M | -30% |
| Q4 2025 | $1.8B | +45% |
| Q3 2025 | $1.1B | +95% |
| Q2 2025 | $1.2B | -2.4% |
| Q1 2025 | $1.1B | -9.6% |
| Q4 2024 | $1.2B | -9% |
| Q3 2024 | $559M | -54% |
BSAC's revenue is growing: $1.2B last quarter, up 2.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 37% | +9.4 points |
| Q1 2026 | 46% | +14 points |
| Q4 2025 | 16% | -11 points |
| Q3 2025 | 28% | -32 points |
| Q2 2025 | 27% | +4.5 points |
| Q1 2025 | 32% | +18 points |
| Q4 2024 | 27% | +3.5 points |
| Q3 2024 | 60% | +54 points |
BSAC's operating margin was 37% last quarter, up 9.4 points from the same quarter a year ago.
BSAC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$121.7M | -114% |
| Q1 2026 | -$216.5M | -$8.4M |
| Q4 2025 | -$438.3M | -42765% |
| Q3 2025 | $536M | +49500% |
| Q2 2025 | $887.3M | +78% |
| Q1 2025 | -$208.1M | -$122.4M |
| Q4 2024 | $1M | -34% |
| Q3 2024 | $1.1M | +$479.5M |
BSAC's free cash flow was −$240M over the past year, against $681M the year before. Free cash flow isn't a meaningful measure for financial services companies like BSAC.
BSAC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +317 shares |
| 1 year | 0% | -- |
| 3 years | 0% | -- |
| 5 years | 0% | -- |
| Available history | 0% | -- |
BSAC has 471M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
BSAC hasn't bought back shares in the past year.
BSAC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 6.5x | High |
| Q1 2026 | 33.2x | High |
| Q4 2025 | 7.7x | High |
| Q3 2025 | 7.8x | High |
| Q2 2025 | 8.9x | High |
| Q1 2025 | 7.3x | High |
| Q4 2024 | 7.9x | High |
| Q3 2024 | 10.9x | High |
BSAC's net debt is about 6.5 years of its operating earnings (EBITDA), down from 8.8 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BSAC.
BSAC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 46.6 | Neutral |
| Stochastic | 30.1 | Neutral |
BSAC's weekly RSI is 47 (neutral) and its Stochastic is 30 (neutral).
BSAC PE vs Financial Services Sector
| Metric | BSAC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.2% below |
| PE % | 72 | 63 | 9 pts above |
BSAC is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
BSAC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $32.2 | 0.8% below |
| 20 week MA | $33.5 | 4.6% below |
| 50 week MA | $33.0 | 3.1% below |
| 100 week MA | $28.5 | 12% above |
| 200 week MA | $23.7 | 35% above |
BSAC has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 35% above its 200-week average.
BSAC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.2 | $19.5 | -16% |
| 2021 | $19.5 | $16.2 | -17% |
| 2022 | $16.2 | $15.5 | -4.7% |
| 2023 | $15.5 | $19.5 | +26% |
| 2024 | $19.5 | $19.0 | -2.5% |
| 2025 | $19.0 | $31.7 | +67% |
| 2026 YTD | $31.7 | $32.0 | +0.9% |
BSAC has finished lower in four of the last six years. It's up 0.9% so far in 2026.