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BSAC 
Banco Santander Chile (BSAC)
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Upturn Advisory Summary
11/28/2025: 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.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $27.6
1 Year Target Price $27.6
| 1 | Strong Buy |
| 0 | Buy |
| 8 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.86% | Avg. Invested days 34 | 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 11/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 14.10B USD | Price to earnings Ratio 12.22 | 1Y Target Price 27.6 |
Price to earnings Ratio 12.22 | 1Y Target Price 27.6 | ||
Volume (30-day avg) 11 | Beta 0.46 | 52 Weeks Range 17.20 - 30.75 | Updated Date 11/30/2025 |
52 Weeks Range 17.20 - 30.75 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 4.51% | Basic EPS (TTM) 2.45 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 45.9% | Operating Margin (TTM) 56.43% |
Management Effectiveness
Return on Assets (TTM) 1.62% | Return on Equity (TTM) 23.99% |
Valuation
Trailing PE 12.22 | Forward PE 11.76 | Enterprise Value 18804962754560 | Price to Sales(TTM) 0.01 |
Enterprise Value 18804962754560 | Price to Sales(TTM) 0.01 | ||
Enterprise Value to Revenue 9.32 | Enterprise Value to EBITDA - | Shares Outstanding 471115317 | Shares Floating 61116847842 |
Shares Outstanding 471115317 | Shares Floating 61116847842 | ||
Percent Insiders - | Percent Institutions 5.32 |
Upturn AI SWOT
Banco Santander Chile
Company Overview
History and Background
Banco Santander Chile was founded in 1977 through the merger of Banco Espau00f1ol-Chile and Banco Andino. It has grown through acquisitions and organic growth, becoming one of the largest banks in Chile.
Core Business Areas
- Retail Banking: Provides banking services to individuals, including current accounts, savings accounts, credit cards, personal loans, and mortgages.
- Commercial Banking: Offers financial solutions to small and medium-sized enterprises (SMEs), including loans, transaction banking, and trade finance.
- Corporate & Investment Banking: Provides financial services to large corporations, including investment banking, corporate lending, and capital markets services.
- Global Markets: Focuses on treasury operations, trading, and sales of financial products.
Leadership and Structure
The company is led by a Board of Directors and a management team headed by the CEO, Romu00e1n Blanco Reinosa. It operates with a structured hierarchical organization across its various business divisions.
Top Products and Market Share
Key Offerings
- Current Accounts and Debit Cards: Provides everyday transaction banking services. Santander Chile holds a substantial market share in this segment, estimated at approximately 20%. Competitors include Banco de Chile and Banco Estado.
- Description: Offering convenient and reliable banking services for daily transactions.
- Description: Helping individuals and families finance their dream homes.
- Mortgages: Offers mortgage loans for residential properties. Santander Chile is a key player in the mortgage market with an approximate market share of 22%. Competitors include Banco de Chile and Scotiabank.
- Credit Cards: Provides a range of credit card products with different benefits and rewards. Santander Chile has a strong presence in the credit card market with a market share of approximately 18%. Competitors include Banco Falabella and Banco Ripley.
- Description: Providing accessible credit options for customers.
- Description: Loans and financing solutions tailored to the needs of small and medium-sized enterprises
- SME Loans: Offers loans and financing solutions tailored to the needs of small and medium-sized enterprises (SMEs). Santander Chile is a prominent lender in the SME segment with around 17% market share. Main competitors in this space are Banco Estado and Banco BCI
Market Dynamics
Industry Overview
The Chilean banking industry is characterized by high competition and strict regulatory oversight. It is driven by economic growth, interest rates, and technological advancements.
Positioning
Banco Santander Chile is positioned as a leading bank in Chile with a strong brand reputation, a wide customer base, and a diversified product portfolio. Its competitive advantages include its extensive branch network, digital banking capabilities, and strong risk management practices.
Total Addressable Market (TAM)
The TAM for the Chilean banking sector is estimated at USD 25 billion. Banco Santander Chile is well-positioned with approximately 20% market share, indicating substantial growth potential by capturing a larger portion of the market through various customer acquisition strategies.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive branch network
- Diversified product portfolio
- Strong risk management practices
- Advanced digital banking platform
Weaknesses
- Higher operating costs compared to some competitors
- Exposure to economic fluctuations in Chile
- Potential regulatory compliance challenges
Opportunities
- Growth in digital banking
- Expansion into underserved markets
- Increasing demand for financial services from SMEs
- Potential acquisitions of smaller banks
Threats
- Increased competition from fintech companies
- Changes in regulations
- Economic downturn in Chile
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BCH (Banco de Chile)
- BDB (Banco del Estado de Chile)
- BCI (Banco Credito e Inversiones)
Competitive Landscape
Banco Santander Chile competes with other large banks in Chile, as well as smaller banks and fintech companies. Its advantages include its strong brand, extensive branch network, and diversified product portfolio. Its disadvantages include higher operating costs and exposure to economic fluctuations.
Major Acquisitions
TotalBank
- Year: 2007
- Acquisition Price (USD millions): 300
- Strategic Rationale: Expanded Santander Chile's presence in the US market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires financial data which can not be provided here.
Future Projections: Future projections require financial data and analyst consensus which can not be provided here.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion into new markets, and development of new products and services.
Summary
Banco Santander Chile is a leading bank in Chile with a strong brand and extensive network. It has a diversified product portfolio and a solid financial performance. However, it faces increased competition from fintech companies and exposure to economic fluctuations. The company is actively investing in digital banking and expansion into new markets to drive future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market data and competitor information are based on available information and may not be entirely accurate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Banco Santander Chile
Exchange NYSE | Headquaters - | ||
IPO Launch date 1994-05-23 | CEO & Country Head Mr. Andrés Trautmann Buc | ||
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 products and services in Chile. It operates through Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other segments. The company offers checking accounts and savings products; debit and credit cards; consumer, auto, 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 funding, and brokerage services, as well as derivatives, securitization, and other products; and manages capital allocations. Further, it provides health, life, travel, automobile, and unemployment insurance products; personal and corporate protection products; guarantees; international investment accounts, structured funds, and alternative investment funds; and wealth management and open architecture, asset management, and private banking services. It serves individuals, small to middle-sized companies, and other companies, as well as universities, government agencies, municipalities, regional governments, and construction and real estate companies. The company was incorporated in 1977 and is headquartered in Santiago, Chile. Banco Santander-Chile is a subsidiary of Banco Santander, S.A.
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