BSAC

Banco Santander-Chile

57
Fundamentals52/ 100
Valuation50/ 100
Upside potential55/ 100
Risk potential17/ 100

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.

COIN

Coinbase Global, Inc.

There isn't enough reported data to score COIN yet.

BSAC Fundamentals

MetricStatus
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.

COIN Fundamentals

MetricStatus
Weak
Under pressure
N/A
N/A

COIN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like COIN.

BSAC PE Valuation

CHEAPFAIREXPENSIVE4.1x8.3x12x17x
CHEAPFAIREXPENSIVE4.1x8.3x12x17x
LevelPEPriceVs current
Cheap10x$24.82-22%
Fair12x$29.10-9%
Current13x$31.97โ€”
Expensive14x$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.

COIN PE Valuation

COIN has no meaningful PE right now: it lost money over the past year.

BSAC Forward outlook

MetricOutlook
--
Growth
Growth
Strongly improving
Limited
Moderate

BSAC has the edge over COIN on the outlook, with more favorable revenue expectations.

COIN Forward outlook

MetricOutlook
--
Strong growth
Stable
Strongly improving
Moderate
Low

Analysts expect COIN's earnings to grow and its profitability to improve, with its revenue holding steady. However, they disagree widely on these estimates.

BSAC Risk to reward

ScenarioChangePrice
Upside+21%$38.76
Downside-17%$26.48

Calculated from the latest close: $31.97 on Nov 12.

There is not enough scenario data to compare BSAC and COIN's risk to reward.

COIN Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $130.67 on Nov 12.

There is not enough scenario data to compare BSAC and COIN's risk to reward.

BSAC Earnings Per Share

Q3 2023: $0.86Q4 2023: $1.23Q1 2024: $1.20Q2 2024: $1.39Q3 2024: $1.79Q4 2024: $1.83Q1 2025: $2.16Q2 2025: $2.27Q3 2025: $2.28Q4 2025: $2.23Q1 2026: $2.23Q2 2026: $2.46
Q3 2023: $0.86Q4 2023: $1.23Q1 2024: $1.20Q2 2024: $1.39Q3 2024: $1.79Q4 2024: $1.83Q1 2025: $2.16Q2 2025: $2.27Q3 2025: $2.28Q4 2025: $2.23Q1 2026: $2.23Q2 2026: $2.46
QuarterTTM EPSYoY
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 has the edge over COIN on earnings quality, reporting a profit while its opponent remains loss making.

COIN Earnings Per Share

Q4 2023: $0.37Q1 2024: $5.11Q2 2024: $5.67Q3 2024: $5.96Q4 2024: $9.48Q1 2025: $5.32Q2 2025: $10.32Q3 2025: $11.54Q4 2025: $4.45Q1 2026: $2.72Q2 2026: $-3.78Q3 2026: $-2.77Forward: $1.36
Q4 2023: $0.37Q1 2024: $5.11Q2 2024: $5.67Q3 2024: $5.96Q4 2024: $9.48Q1 2025: $5.32Q2 2025: $10.32Q3 2025: $11.54Q4 2025: $4.45Q1 2026: $2.72Q2 2026: $-3.78Q3 2026: $-2.77Forward: $1.36
QuarterTTM EPSYoY
Forward$1.36โ€”
Q3 2026-$2.77-124%
Q2 2026-$3.78-137%
Q1 2026$2.72-49%
Q4 2025$4.45-53%
Q3 2025$11.54+94%
Q2 2025$10.32+82%
Q1 2025$5.32+4.1%
Q4 2024$9.48+2462%

COIN has swung to a loss: it lost $2.77 per share over the past year, after a profit the year before.

BSAC Quarterly Revenue

Q3 2023: $1.2BQ4 2023: $1.4BQ1 2024: $1.2BQ2 2024: $1.2BQ3 2024: $559MQ4 2024: $1.2BQ1 2025: $1.1BQ2 2025: $1.2BQ3 2025: $1.1BQ4 2025: $1.8BQ1 2026: $734MQ2 2026: $1.2B
Q3 2023: $1.2BQ4 2023: $1.4BQ1 2024: $1.2BQ2 2024: $1.2BQ3 2024: $559MQ4 2024: $1.2BQ1 2025: $1.1BQ2 2025: $1.2BQ3 2025: $1.1BQ4 2025: $1.8BQ1 2026: $734MQ2 2026: $1.2B
QuarterRevenueYoY
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.

COIN Quarterly Revenue

Q4 2023: $954MQ1 2024: $1.6BQ2 2024: $1.4BQ3 2024: $1.2BQ4 2024: $2.3BQ1 2025: $2BQ2 2025: $1.5BQ3 2025: $1.9BQ4 2025: $1.8BQ1 2026: $1.4BQ2 2026: $1.2BQ3 2026: $1.2B
Q4 2023: $954MQ1 2024: $1.6BQ2 2024: $1.4BQ3 2024: $1.2BQ4 2024: $2.3BQ1 2025: $2BQ2 2025: $1.5BQ3 2025: $1.9BQ4 2025: $1.8BQ1 2026: $1.4BQ2 2026: $1.2BQ3 2026: $1.2B
QuarterRevenueYoY
Q3 2026$1.2B-35%
Q2 2026$1.2B-19%
Q1 2026$1.4B-31%
Q4 2025$1.8B-22%
Q3 2025$1.9B+55%
Q2 2025$1.5B+3.3%
Q1 2025$2B+24%
Q4 2024$2.3B+138%

COIN's revenue has slid since its 2021 peak: $1.2B last quarter, down 35% from the same quarter a year ago.

BSAC Free Cash Flow

Q3 2023: โˆ’$478MQ4 2023: $2MQ1 2024: โˆ’$86MQ2 2024: $499MQ3 2024: $1MQ4 2024: $1MQ1 2025: โˆ’$208MQ2 2025: $887MQ3 2025: $536MQ4 2025: โˆ’$438MQ1 2026: โˆ’$216MQ2 2026: โˆ’$122M
Q3 2023: โˆ’$478MQ4 2023: $2MQ1 2024: โˆ’$86MQ2 2024: $499MQ3 2024: $1MQ4 2024: $1MQ1 2025: โˆ’$208MQ2 2025: $887MQ3 2025: $536MQ4 2025: โˆ’$438MQ1 2026: โˆ’$216MQ2 2026: โˆ’$122M
QuarterFree cash flowYoY
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 โˆ’$240M over the past year, against $681M the year before. Free cash flow isn't a meaningful measure for financial services companies like BSAC.

COIN Free Cash Flow

Q4 2023: โˆ’$5MQ1 2024: $411MQ2 2024: $484MQ3 2024: $697MQ4 2024: $965MQ1 2025: โˆ’$183MQ2 2025: $328MQ3 2025: โˆ’$785MQ4 2025: $3.1BQ1 2026: $183MQ2 2026: $197MQ3 2026: $405M
Q4 2023: โˆ’$5MQ1 2024: $411MQ2 2024: $484MQ3 2024: $697MQ4 2024: $965MQ1 2025: โˆ’$183MQ2 2025: $328MQ3 2025: โˆ’$785MQ4 2025: $3.1BQ1 2026: $183MQ2 2026: $197MQ3 2026: $405M
QuarterFree cash flowYoY
Q3 2026$405.5M+$1.2B
Q2 2026$197.3M-40%
Q1 2026$182.7M+$365.5M
Q4 2025$3.1B+218%
Q3 2025-$784.5M-213%
Q2 2025$328.5M-32%
Q1 2025-$182.7M-144%
Q4 2024$964.6M+$969.8M

COIN has the edge over BSAC on cash generation, producing positive trailing cash flow while its opponent burns cash.

BSAC Total Shares

Q3 2023: 471MQ4 2023: 471MQ1 2024: 470MQ2 2024: 471MQ3 2024: 471MQ4 2024: 471MQ1 2025: 471MQ2 2025: 471MQ3 2025: 471MQ4 2025: 471MQ1 2026: 471MQ2 2026: 471M
Q3 2023: 471MQ4 2023: 471MQ1 2024: 470MQ2 2024: 471MQ3 2024: 471MQ4 2024: 471MQ1 2025: 471MQ2 2025: 471MQ3 2025: 471MQ4 2025: 471MQ1 2026: 471MQ2 2026: 471M
PeriodChange %Net change
Quarterly0%+317 shares
1 year0%--
3 years0%--
5 years0%--
Available history0%--

BSAC has 471M diluted shares, about the same as a year ago.

COIN Total Shares

Q4 2023: 254MQ1 2024: 268MQ2 2024: 267MQ3 2024: 267MQ4 2024: 273MQ1 2025: 271MQ2 2025: 279MQ3 2025: 292MQ4 2025: 287MQ1 2026: 265MQ2 2026: 263MQ3 2026: 288M
Q4 2023: 254MQ1 2024: 268MQ2 2024: 267MQ3 2024: 267MQ4 2024: 273MQ1 2025: 271MQ2 2025: 279MQ3 2025: 292MQ4 2025: 287MQ1 2026: 265MQ2 2026: 263MQ3 2026: 288M
PeriodChange %Net change
Quarterly+9.3%+24.6M shares
1 year-1.4%-4M shares
3 years+21%+50.7M shares
5 years+15%+37.4M shares
Available history+330%+221M shares

COIN has the edge over BSAC on shareholder dilution, with a more favorable share count trend.

BSAC Net Leverage

Q3 2023: 13.5xQ4 2023: 8.3xQ1 2024: 13.8xQ2 2024: 13.3xQ3 2024: 10.9xQ4 2024: 7.9xQ1 2025: 7.3xQ2 2025: 8.9xQ3 2025: 7.8xQ4 2025: 7.7xQ1 2026: 33.2xQ2 2026: 6.5x
Q3 2023: 13.5xQ4 2023: 8.3xQ1 2024: 13.8xQ2 2024: 13.3xQ3 2024: 10.9xQ4 2024: 7.9xQ1 2025: 7.3xQ2 2025: 8.9xQ3 2025: 7.8xQ4 2025: 7.7xQ1 2026: 33.2xQ2 2026: 6.5x
QuarterNet LeverageStatus
Q2 20266.5xHigh
Q1 202633.2xHigh
Q4 20257.7xHigh
Q3 20257.8xHigh
Q2 20258.9xHigh
Q1 20257.3xHigh
Q4 20247.9xHigh
Q3 202410.9xHigh

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.

COIN Net Leverage

Q1 2024: -2.9xQ2 2024: -2.4xQ3 2024: -2.3xQ4 2024: -1.8xQ1 2025: -1.6xQ2 2025: -1.6xQ3 2025: -0.6xQ4 2025: -2.3xQ1 2026: -2.8xQ2 2026: -2.5xQ3 2026: -4.4x
Q1 2024: -2.9xQ2 2024: -2.4xQ3 2024: -2.3xQ4 2024: -1.8xQ1 2025: -1.6xQ2 2025: -1.6xQ3 2025: -0.6xQ4 2025: -2.3xQ1 2026: -2.8xQ2 2026: -2.5xQ3 2026: -4.4x
QuarterNet LeverageStatus
Q3 2026-4.4xNet Cash
Q2 2026-2.5xNet Cash
Q1 2026-2.8xNet Cash
Q4 2025-2.3xNet Cash
Q3 2025-0.6xNet Cash
Q2 2025-1.6xNet Cash
Q1 2025-1.6xNet Cash
Q4 2024-1.8xNet Cash

COIN has the edge over BSAC on leverage, with a lower net debt burden relative to earnings.

BSAC Weekly Momentum

MetricValueStatus
RSI46.6Neutral
Stochastic30.1Neutral

BSAC's weekly RSI is 47 (neutral) and its Stochastic is 30 (neutral).

COIN Weekly Momentum

MetricValueStatus
RSI35.3Neutral
Stochastic5.0Oversold

COIN's weekly RSI is 35 (neutral) and its Stochastic is 5 (oversold).

BSAC PE vs Financial Services Sector

MetricBSACSector medianRelative
PE13x13x0.2% below
PE %72639 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.

COIN PE vs Financial Services Sector

MetricCOINSector medianRelative
PEN/A13xโ€”

COIN has no meaningful PE right now: it lost money over the past year.

BSAC Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$32.20.8% below
20 week MA$33.54.6% below
50 week MA$33.03.1% below
100 week MA$28.512% above
200 week MA$23.735% above

BSAC has the edge over COIN on trend strength, trading above more of its moving averages.

COIN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$163.020% below
20 week MA$165.621% below
50 week MA$184.429% below
100 week MA$232.844% below
200 week MA$190.331% below

COIN is in a downtrend: it's below all five of its weekly moving averages, and 31% below its 200-week average.

BSAC Yearly ROI

YearStart priceEnd priceROI
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 the edge over COIN on returns for 2026, with the stronger performance.

COIN Yearly ROI

YearStart priceEnd priceROI
2021$342.0$268.2-22%
2022$268.2$35.5-87%
2023$35.5$173.9+390%
2024$173.9$265.7+53%
2025$265.7$236.9-11%
2026 YTD$236.9$130.7-45%

COIN's yearly returns have swung widely, from +390% in 2023 to โˆ’87% in 2022. It's down 45% so far in 2026.

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