US · BSAC
Banco Santander-Chile
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Santiago de Chile
- Website
- banco.santander.cl
Price · as of 2025-12-31
$31.33
Market cap 15.98B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $0.00 | -100% |
| Intrinsic Value(DCF) | $24.62 | -21.42% |
| Graham-Dodd Method(GD) | $22.10 | -29.46% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $16.46 | $21.91 | $1.85 | $0.00 | $24.60 |
| 2012 | $15.90 | $15.44 | $3.29 | $0.10 | $10.00 |
| 2013 | $12.15 | $14.97 | $3.48 | $2.40 | $10.80 |
| 2014 | $11.57 | $17.78 | $4.74 | $3.30 | $23.70 |
| 2015 | $11.52 | $15.62 | $1.84 | $0.10 | $4.60 |
| 2016 | $14.71 | $22.77 | $1.92 | $0.40 | $11.20 |
| 2017 | $22.24 | $24.13 | $0.11 | $2.00 | $7.50 |
| 2018 | $21.64 | $26.38 | $2.36 | $0.00 | $19.50 |
| 2019 | $12.90 | $24.99 | $2.20 | $2.60 | $19.50 |
| 2020 | $19.70 | $21.97 | $0.00 | $3.10 | $4.30 |
| 2021 | $16.47 | $15.25 | $2.19 | $8.60 | $61.50 |
| 2022 | $15.32 | $19.96 | $81.05 | $4.10 | $81.30 |
| 2023 | $17.55 | $19.20 | $15.85 | $1.80 | $23.40 |
| 2024 | $21.32 | $22.52 | $2.39 | $9.50 | $4.10 |
| 2025 | $33.00 | $27.73 | $17.96 | $22.10 | $0.00 |
AI valuation
Our deep-learning model estimates Banco Santander-Chile's (BSAC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $0.00
- Current price
- $31.33
- AI upside
- -100%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$24.62
-21.42% upside
Graham-Dodd
$22.10
-29.46% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BSAC | Banco Santander-Chile | $31.33 | 15.98B | -11% | -21% | -29% | — | 14.17 | 3.16 | 6.47 | — | 60.57 | 3.23 | 100.00% | 59.43% | 45.67% | 21.12% | 9.04% | 1.54% | 2.18 | — | — | — | — | 2340.00% | -5297.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 8.76% | 16.95 | — | 10.07 | 0.29 |
| BCH | Banco de Chile | $41.08 | 20.75B | +24% | -48% | — | — | 16.39 | 3.37 | 6.46 | 14.21 | — | 3.47 | 87.38% | 49.98% | 39.40% | 19.38% | 10.58% | 2.25% | 1.96 | 1.56 | 0.37 | 0.37 | 6.05 | -126.00% | -3490.00% | 1625.00% | 2.26% | 0.02 | 3.91% | 4.84% | 79.40% | 4.84% | 15.11 | 51.80 | 7.55 | 0.15 |
| CIB | Grupo Cibest S.A. | $67.88 | 17.65B | -8% | +103% | -77% | -67% | 5.01 | 0.73 | 0.74 | 3.25 | 203.30 | 0.94 | 52.28% | 20.41% | 14.61% | 15.60% | 16.34% | 1.78% | 0.69 | 0.58 | 0.21 | 0.20 | 0.29 | 247.00% | -502.00% | -10959.00% | -5.03% | 0.00 | -4.12% | 10.65% | 53.40% | 10.65% | 3.63 | -19.77 | 0.74 | -0.37 |
| EWBC | East West Bancorp, Inc. | $109.45 | 15.06B | -53% | +15% | -34% | +10% | 11.58 | 1.72 | 3.27 | 0.61 | 81.03 | 1.82 | 60.10% | 37.44% | 28.27% | 15.94% | 341.69% | 1.69% | 0.37 | 1.01 | 0.43 | 0.43 | -0.44 | 1429.00% | 463.00% | -4795.00% | 4.79% | 0.02 | 186.23% | 2.18% | 25.20% | 2.93% | 0.70 | 1.68 | 0.26 | -0.08 |
| FHN | First Horizon Corporation | $23.79 | 11.71B | +134% | +2% | -36% | -24% | 12.07 | 1.34 | 2.38 | 8.84 | 31.56 | 1.64 | 67.32% | 25.70% | 19.72% | 11.13% | 15.06% | 1.18% | 0.52 | 0.82 | 0.96 | 0.95 | 2.70 | 3824.00% | 97.00% | -4869.00% | 5.29% | 0.01 | 9.46% | 2.65% | 31.90% | 10.39% | 9.22 | 18.81 | 2.37 | 0.25 |
| FITB | Fifth Third Bancorp | $49.47 | 32.7B | -4% | -28% | -64% | -48% | 13.13 | 1.52 | 2.57 | 6.99 | 103.07 | 1.98 | 65.29% | 24.95% | 19.61% | 12.19% | -78.12% | 1.18% | 0.67 | 0.82 | 0.82 | 0.82 | 3.05 | 1274.00% | -140.00% | -4776.00% | 3.80% | 0.01 | -38.98% | 3.51% | 46.10% | 21.08% | 7.87 | 20.06 | 1.96 | 0.20 |
| RF | Regions Financial Corpora… | $27.83 | 24.4B | +29% | +4% | -63% | -6% | 11.35 | 1.29 | 2.55 | -3.25 | 60.86 | 1.86 | 74.64% | 28.55% | 22.44% | 11.68% | -17.73% | 1.36% | 0.26 | 1.32 | 0.30 | 0.30 | -2.15 | 1865.00% | 251.00% | 5021.00% | 8.91% | 0.02 | -17.93% | 4.10% | 46.50% | 17.26% | -3.32 | -4.18 | -0.95 | -0.38 |
| VLY | Valley National Bancorp | $12.61 | 7.03B | +60% | -14% | +27% | -49% | 11.99 | 0.92 | 2.05 | 8.68 | 25.85 | 1.23 | 53.94% | 21.30% | 17.12% | 7.85% | 7.43% | 0.94% | 0.49 | 0.51 | 10.26 | 10.26 | 4.69 | 4638.00% | -221.00% | -2652.00% | 5.62% | 0.87 | 5.01% | 0.00% | 0.00% | 0.88% | 8.68 | 16.01 | 1.85 | 0.29 |
| WF | Woori Financial Group Inc… | $75.06 | 18.29B | +42% | -25% | +37% | +1,928% | 3.58 | 0.33 | 0.44 | 4.48 | 16.09 | 0.35 | 42.38% | 16.40% | 11.98% | 9.65% | 7.34% | 0.62% | 2.46 | 0.32 | 0.22 | 0.22 | 10.50 | 2227.00% | 17108.00% | -63236.00% | -57.55% | -0.02 | -15.14% | 7.73% | 27.70% | 8.93% | 5.71 | -3.69 | 0.94 | -0.51 |
About Banco Santander-Chile
Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and 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 funds, insurance and securities brokerage, foreign exchange, financial leasing, factoring, financial consulting and advisory, investment management, foreign trade, treasury, and transactional services, as well as specialized services to finance projects for the real estate industry. In addition, the company offers short-term financing and fund raising, and brokerage services, as well as derivatives, securitization, and other tailor-made products. It serves individuals, small to middle-sized entities, companies, and large corporations, as well as universities, government entities, and local and regional governments. As of December 31, 2021, the company operated 326 branches, which include 220 under the Santander brand name, 14 under the Select brand name, 7 specialized branches for the middle market, and 22 as auxiliary and payment centers, as well as 1,338 ATMs, including depository ATMs. Banco Santander-Chile was incorporated in 1977 and is headquartered in Santiago, Chile.
- CEO
- Andrés Trautmann Buc
- Employees
- 8.76K
- Beta
- 0.46
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($24.62 ÷ $31.33) − 1 = -21.42% (DCF, example).