Banco Santander-Chile (BSAC) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Banco Santander-Chile, along with its affiliated entities, operates as a prominent financial institution in Chile, delivering a comprehensive array of commercial and retail banking solutions. Its business operations are structured into distinct segments: Retail Banking, Middle-Market, Corporate Investment Banking, and internal Corporate Activities.
Is Banco Santander-Chile stock overvalued or undervalued in 2026?
Banco Santander-Chile (BSAC) trades at 13.5× earnings (P/E), against a median of 13.0× across the 324 financial services companies above $2bn in Kaplio's universe. At a P/B justified by its ROTCE del 18,1 % (2.0×) $21 (-33 %); at its peers' median (1.4×) $15 (-52 %).
Kaplio overview: Banco Santander-Chile
Market cap $15B · 52 weeks $28 – $37 (12 % below the high) · P/E 13.5× · 2027 expected P/E 11.2× · Dividend 4.3 % · Next earnings October 30, 2026 · expected EPS $0.65 · Closing price, Oct 28 · accounts published Jul 29.
- Valuation: P/B 3.0× (expensive).
- Business: ROTCE 18.1 % (excellent).
- Balance sheet: Capital/assets 8.2 % (passes, near the threshold).
- Earnings: 5 of 8 (uneven).
What would it be worth at its usual multiples?
At a P/B justified by its ROTCE del 18,1 % (2.0×) $21 (-33 %); at its peers' median (1.4×) $15 (-52 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in banking: 4 of 5 pass
- P/B (Price / Book) 3.0×, fails.
- ROA 1.4 %, passes.
- ROTCE 18.1 %, passes.
- Equity / Assets (Tier 1 proxy) 8.2 %, passes, near the threshold.
- Sustainable dividend yield 4.3 %, passes.
Against its peers (reference peers) — Banco Santander-Chile: P/E 13.5×; P/B 3.0×; ROE 22.0 %; $14.9B. Banco de Chile (P/E 16.0×; P/B 3.4×; ROE 21.5 %; $19.7B), Banco Santander (Brasil) S.A. (P/E 24.9×; P/B 1.4×; ROE 11.8 %; $34.0B), Grupo Financiero Galicia S.A. (P/E 50.8×; P/B 1.0×; ROE 2.1 %; $5.7B).
Expensive or cheap against its last ten fiscal years?
Precio / valor contable at each close: today 3.0× · median 0.0× · minimum 0.0× · maximum 3.4× · cheap below 0.0× · expensive above 0.0×. It has been cheaper than today 95% of the time over its last ten fiscal years.
Dividend
tight (only raised recently) · Yield 4.3 % ($1.23 per ADS in 2025) · Years raising it 1 · 5-year growth +12 % a year · Free cash flow coverage payout 56 % · With $1,000 invested today you'd collect $42.60 a year ($3.55 a month).
Investor methods verdict
Would Buffett approve Banco Santander-Chile today?
The Buffett Method would wait for a better price for Banco Santander-Chile: it yields 6.9% before tax; it asks for 10%. Business quality: 65 out of 100 (price not included). Kaplio assessment with data from the week of 2026-10-26; not investment advice.
Would Peter Lynch approve Banco Santander-Chile today?
The Lynch Method approves Banco Santander-Chile today: P/E 13.5 with 14% growth; it asks that the P/E not exceed growth. Business quality: 80 out of 100 (price not included). Lynch classifies it as a stalwart. Kaplio assessment with data from the week of 2026-10-26; not investment advice.
Profitability
| Return on Equity | 22.03% |
| Return on Invested Capital | 1.45% |
| Return on Assets | 1.43% |
| Gross Margin | 61.21% |
| Operating Margin | 29.79% |
| Net Margin | 24.78% |
Financial Health
| Debt / Equity | 1.95 |
| Current Ratio | 0.00 |
| Piotroski F-Score | 6 |
| Altman Z-Score | -0.19 |
Price Performance
| 1 month | -5.86% |
| 3 months | -8.58% |
| Year-to-date | +1.70% |
| 1 year | +11.80% |
| 3 years | +82.15% |
| 5 years | +78.56% |
| 10 years | +38.47% |
Dividend History
Paid in the last 12 months: $1.4817 per share in 1 payments.
| Date | Amount |
|---|---|
| 2026-04-30 | $1.4817 |
| 2025-04-23 | $1.3295 |
| 2024-04-17 | $0.7560 |
| 2023-04-19 | $1.2511 |
| 2022-04-21 | $1.2200 |
| 2021-04-22 | $0.9297 |
| 2020-11-19 | $0.4651 |
| 2020-04-24 | $0.4154 |
| 2019-04-15 | $1.1320 |
| 2018-04-18 | $1.4860 |
Amounts adjusted for stock splits.
Related companies: GGAL · BSBR · BCH · IFS · AVAL · BMA · BBAR
Explore sector: Financial Services · Banks - Regional
More sections of BSAC: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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