Banco Santander-Chile/$BSAC
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About Banco Santander-Chile
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.
Ticker
$BSAC
Sector
Primary listing
NYSE
Employees
8,757
Headquarters
Santiago, Chile
Website
BSAC Metrics
BasicAdvanced
$14B
4,948.69
$0.01
0.45
$0.99
3.32%
Price and volume
Market cap
$14B
Beta
0.45
52-week high
$30.18
52-week low
$18.19
Average daily volume
307K
Dividend rate
$0.99
Financial strength
Dividend payout ratio (TTM)
55.88%
Profitability
Net profit margin (TTM)
46.03%
Operating margin (TTM)
56.16%
Effective tax rate (TTM)
16.36%
Revenue per employee (TTM)
$283,320
Management effectiveness
Return on assets (TTM)
1.62%
Return on equity (TTM)
23.99%
Valuation
Price to earnings (TTM)
4,948.692
Price to revenue (TTM)
2,270.958
Price to book
2.87
Price to tangible book (TTM)
2.92
Price to free cash flow (TTM)
4,003.476
Free cash flow yield (TTM)
0.02%
Free cash flow per share (TTM)
0.007
Dividend yield (TTM)
3.32%
Forward dividend yield
3.32%
Growth
Revenue change (TTM)
20.98%
Earnings per share change (TTM)
42.14%
3-year revenue growth (CAGR)
3.05%
3-year earnings per share growth (CAGR)
2.22%
10-year earnings per share growth (CAGR)
7.87%
3-year dividend per share growth (CAGR)
8.89%
10-year dividend per share growth (CAGR)
6.16%
What the Analysts think about BSAC
Analyst ratings (Buy, Hold, Sell) for Banco Santander-Chile stock.
Bulls say / Bears say
Chile’s economy grew 0.7% quarter-on-quarter and 2.3% year-on-year in Q1 2025, above forecasts, bolstering demand for mortgages and commercial loans where BSAC holds the leading market share. (Reuters)
Santander Group’s Q2 2025 net profit rose 7% year-on-year to €3.43 billion, driven by a 2.4% increase in fee income from Latin American markets, underscoring BSAC’s strong fee-based revenue potential from its 25% market share in card issuance. (Reuters)
The Chilean peso strengthened in early August 2025 amid rising copper prices and favorable inflation data, supporting deposit asset values and reducing FX volatility for BSAC’s USD-denominated ADRs. (Reuters)
The Central Bank of Chile cut its benchmark rate by 25 bps to 4.75% in July 2025, marking the first easing of the cycle and implying potential compression of BSAC’s net interest margin if funding costs fall faster than loan yields. (Reuters)
An IMF Article IV report noted uneven sectoral recovery and persistently high unemployment in Chile, heightening the risk of delinquencies in BSAC’s material mortgage and consumer loan portfolios. (IMF)
The Chilean peso depreciated about 12% against the dollar in 2024, amplifying currency‐translation risk for BSAC’s USD‐listed ADRs and potentially eroding repatriated earnings. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 9 Nov 2025.
BSAC Financial Performance
Revenues and expenses
BSAC Earnings Performance
Company profitability
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Banco Santander-Chile stock?
Banco Santander-Chile (BSAC) has a market cap of $14B as of November 11, 2025.
What is the P/E ratio for Banco Santander-Chile stock?
The price to earnings (P/E) ratio for Banco Santander-Chile (BSAC) stock is 4948.69 as of November 11, 2025.
Does Banco Santander-Chile stock pay dividends?
Yes, the Banco Santander-Chile (BSAC) stock pays dividends to shareholders. As of November 11, 2025, the dividend rate is $0.99166 and the yield is 3.32%. Banco Santander-Chile has a payout ratio of 55.88% on a trailing twelve-month basis.
When is the next Banco Santander-Chile dividend payment date?
The next Banco Santander-Chile (BSAC) dividend payment date is unconfirmed.
What is the beta indicator for Banco Santander-Chile?
Banco Santander-Chile (BSAC) has a beta rating of 0.45. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.