BSAC
Banco Santander-Chile
BSAC has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over BSAC overall, supported by stronger modeled upside and stronger fundamentals.
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.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
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.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over BSAC in the historical PE scenario, which offers more potential upside but is not a forecast.
BSAC Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BSAC, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, 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 has the edge over SOFI on earnings, with more consistent year-over-year improvement.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
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 has the edge over SOFI on profitability, with a higher operating margin.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over BSAC on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
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 has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
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 the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| 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.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
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.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has the edge over BSAC on leverage, with a lower net debt burden relative to earnings.
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).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (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 has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
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 the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% 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 the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.