Banco Santander-Chile/$BSAC
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Capital at risk
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
- Finance
- Primary listing
- NYSE
- Employees
- 8,526
- Headquarters
- Santiago, Chile
- Website
- banco.santander.cl
BSAC Metrics
BasicAdvanced
$15B
5,261.77
$0.01
0.23
$1.10
3.49%
Price and volume
Market cap
$15B
Beta
0.23
52-week high
$37.72
52-week low
$27.96
Average daily volume
417K
Dividend rate
$1.10
Financial strength
Profitability
Net profit margin (TTM)
47.33%
Operating margin (TTM)
58.22%
Effective tax rate (TTM)
15.68%
Revenue per employee (TTM)
$279,490
Management effectiveness
Return on assets (TTM)
1.56%
Return on equity (TTM)
23.31%
Valuation
Price to earnings (TTM)
5,261.766
Price to revenue (TTM)
2,490.193
Price to book
2.97
Price to tangible book (TTM)
2.97
Dividend yield (TTM)
3.49%
Forward dividend yield
3.49%
Growth
Revenue change (TTM)
0.80%
Earnings per share change (TTM)
3.95%
3-year revenue growth (CAGR)
19.71%
3-year earnings per share growth (CAGR)
38.39%
10-year earnings per share growth (CAGR)
9.59%
3-year dividend per share growth (CAGR)
9.21%
10-year dividend per share growth (CAGR)
6.50%
What the Analysts think about BSAC
Analyst ratings (Buy, Hold, Sell) for Banco Santander-Chile stock.
Analyst projections of the future price of Banco Santander-Chile stock.
Bulls say / Bears say
First-half profit rose 19% year on year, while second-quarter earnings increased 40% and return on average equity reached 31.5%. This shows strong earning power, though unusually high inflation helped the quarter’s result. (Markets Insider)
Loan growth improved to 1.3% quarter on quarter, while deposits rose 4.5% and total customer funds increased 7.1% in the first half. These figures suggest lending demand and funding momentum were improving. (Roic AI)
The bank reported a 31.6% first-half efficiency ratio and a CET1 capital ratio of 11.1%, around 200 basis points above the regulatory minimum. Low costs and a capital buffer give it room to absorb shocks and invest. (Roic AI)
Asset quality weakened: non-performing loans rose to 3.4% from 3.0% a year earlier, impaired loans increased to 7.5% from 6.8%, and NPL coverage fell to 107.6% from 120.5%. Consumer loan-loss provisions also climbed 29.7% in the first half. (Stock Titan)
Chile’s central bank cut its 2026 growth forecast to 0.25–0.75% and cited weaker demand, a deteriorating labour market and higher fuel costs. A sluggish economy could curb loan growth and make repayments harder for households and businesses. (Banco Central de Chile)
Fee income faces pressure: card fees fell 1.6% year on year in the first half, while Getnet payment fees contracted amid stronger competition and weaker transaction activity. This could limit growth in revenue beyond lending. (Stock Titan)
Data summarised monthly by Lightyear AI. Last updated on 29 Oct 2026.
BSAC Financial Performance
Revenues and expenses
BSAC Earnings Performance
Company profitability
Upcoming events
No upcoming events
BSAC News
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Funds containing BSAC
Fund name | Fund size | $BSAC weighting |
|---|---|---|
Xtrackers MSCI Emerging Markets$XMME | $15B | 0.05% |
Xtrackers MSCI Emerging Markets£XMMS | $14B | 0.05% |
SPDR MSCI Emerging Markets$EMRD | $2.3B | 0.03% |
SPDR MSCI All Country World£ACWI | $17B | 0.00% |
SPDR MSCI All Country World€SPYY | $17B | 0.00% |
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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