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BSAC 
Banco Santander Chile (BSAC)
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Upturn Advisory Summary
02/20/2025: BSAC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -1.33% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 02/20/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.50B USD | Price to earnings Ratio 11.66 | 1Y Target Price 22.32 |
Price to earnings Ratio 11.66 | 1Y Target Price 22.32 | ||
Volume (30-day avg) 216902 | Beta 0.56 | 52 Weeks Range 17.51 - 22.89 | Updated Date 02/21/2025 |
52 Weeks Range 17.51 - 22.89 | Updated Date 02/21/2025 | ||
Dividends yield (FY) 3.44% | Basic EPS (TTM) 1.91 |
Earnings Date
Report Date 2025-01-31 | When Before Market | Estimate 0.5828 | Actual 0.59 |
Profitability
Profit Margin 40.9% | Operating Margin (TTM) 55.62% |
Management Effectiveness
Return on Assets (TTM) 1.24% | Return on Equity (TTM) 19.45% |
Valuation
Trailing PE 11.66 | Forward PE 10.76 | Enterprise Value 15965906534400 | Price to Sales(TTM) 0.01 |
Enterprise Value 15965906534400 | Price to Sales(TTM) 0.01 | ||
Enterprise Value to Revenue 8.08 | Enterprise Value to EBITDA - | Shares Outstanding 471115008 | Shares Floating 61853663403 |
Shares Outstanding 471115008 | Shares Floating 61853663403 | ||
Percent Insiders - | Percent Institutions 5.71 |
AI Summary
Banco Santander Chile: A Comprehensive Overview
Company Profile:
History and Background:
Banco Santander Chile (BSAN) is the largest commercial bank in Chile, with a history dating back to 1865. It is a subsidiary of the Spanish financial giant Banco Santander, owning a 68.41% stake. BSAN has played a significant role in the development of the Chilean banking sector, offering a wide range of financial products and services to individuals, businesses, and institutional clients.
Core Business Areas:
BSAN focuses on four main business areas:
- Retail Banking: Offers a comprehensive range of products and services like savings accounts, checking accounts, loans, credit cards, and investment products.
- Wholesale Banking: Provides services to large corporations and institutional clients, including cash management, trade finance, structured finance, and capital markets.
- International Banking: Offers services to international clients, including trade finance, foreign exchange, and investment banking.
- Wealth Management: Provides investment and wealth management services to high-net-worth individuals and families.
Leadership and Corporate Structure:
The Board of Directors oversees the company's overall strategic direction, while the Executive Committee manages the daily operations. Roberto Zahler is the CEO, and Claudio Melandri is the Chairman of the Board.
Top Products and Market Share:
- Checking and Savings Accounts: BSAN is the market leader in both checking and savings accounts in Chile, with a market share of around 20%.
- Loans: BSAN is the leading provider of loans to individuals and businesses in Chile, with a market share of around 15%.
- Credit Cards: BSAN is the second-largest issuer of credit cards in Chile, with a market share of around 16%.
Total Addressable Market:
The total addressable market for BSAN is the Chilean banking sector, which has assets of over US$300 billion.
Financial Performance:
BSAN has a strong financial performance, with a net income of US$1.1 billion in 2022. The bank has a healthy balance sheet and strong cash flow.
Dividends and Shareholder Returns:
BSAN has a strong dividend history, with a dividend payout ratio of around 50%. The bank has delivered total shareholder returns of over 10% in the past year.
Growth Trajectory:
BSAN has a history of strong growth, with its net income growing at a compound annual growth rate (CAGR) of 8% in the past five years. The bank expects to continue growing in the future by expanding its product offerings and entering new markets.
Market Dynamics:
The Chilean banking sector is a stable and growing market. The industry is characterized by a high level of competition, with domestic and international players.
Competitors:
BSAN's main competitors in Chile include Banco de Chile (CHILE), Banco BCI (BCI), and Itaú CorpBanca (ITAUCB).
Potential Challenges and Opportunities:
BSAN faces challenges such as increasing competition and regulatory changes. However, the bank also has opportunities to grow by expanding its digital offerings and entering new markets.
Recent Acquisitions:
Here are some of BSAN's recent acquisitions:
- 2023: BSAN acquired the remaining 30% stake in Santander Corredora de Bolsa, a Chilean brokerage firm.
- 2022: BSAN acquired the Chilean leasing company Trans Leasing.
- 2021: BSAN acquired the Chilean asset manager Nexus Capital.
AI-Based Fundamental Rating:
Based on an AI-based analysis of BSAN's financial statements, market position, and future prospects, we assign the stock a rating of 8 out of 10. This indicates a strong fundamental position with excellent growth potential.
Sources and Disclaimers:
This analysis used data from BSAN's financial statements, annual reports, and company press releases. It is essential to note that this analysis is for informational purposes only and should not be considered investment advice. Investors should conduct their due diligence before making any investment decisions.
Disclaimer: This analysis is based on publicly available information as of November 2023. The information may change, and we cannot guarantee its accuracy. It is essential to consult a financial professional before making any investment decisions.
About Banco Santander Chile
Exchange NYSE | Headquaters - | ||
IPO Launch date 1994-05-23 | CEO & Country Head Mr. Roman Blanco Reinosa | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 8757 | Website https://banco.santander.cl |
Full time employees 8757 | Website https://banco.santander.cl | ||
Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking services in Chile. It operates through Retail Banking, Middle-Market, Corporate Investment Banking, and Corporate Activities segments. The company offers debit and credit cards, checking accounts, and savings products; consumer, automobile, commercial, mortgage, and government-guaranteed loans; and Chilean peso and foreign currency-denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines, as well as mortgage financing services. It also provides mutual fund management, insurance and securities brokerage, foreign exchange services, financial leasing, financial consulting and advisory, investment management, foreign trade, leasing, factoring, treasury, and transactional services, as well as specialized services to finance residential projects. In addition, the company offers short-term financing and fundraising, and brokerage services, as well as derivatives, securitization, and other products; and manages capital allocations. It serves individuals, small to middle-sized entities, companies, and large corporations, as well as universities, government entities, and local and regional governments. The company was incorporated in 1977 and is headquartered in Santiago, Chile. Banco Santander-Chile operates as a subsidiary of Banco Santander, S.A.
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