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Upturn AI Summary - About
Banco Santander Chile(BSAC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BSAC
10/23/2026: BSAC (1-star) is currently NOT-A-BUY. Pass it for now.
Banco Santander Chile is a major commercial bank operating primarily in the Chilean financial market. It is recognized for its extensive branch network, strong digital banking initiatives, and the support of its global parent, which provides a solid operational foundation. The bank's main growth story centers on digital transformation and expanding its market share among retail and corporate clients. However, investors must consider risks associated with domestic economic volatility, local regulatory changes, and increasing competition from fintech providers. The stock may suit dividend-focused or value-oriented investors, though it is best monitored for developments in Chilean economic health and interest rate cycles.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is tied to the Chilean economy, which currently offers moderate rather than rapid expansion. |
| Momentum investor | Mixed fit | Momentum is conditional on local macroeconomic improvements and positive upturn signals in banking sector sentiment. |
| Value investor | Strong fit | The stock is often assessed for its valuation relative to historical price-to-book ratios in the regional banking sector. |
| Dividend investor | Strong fit | The company has a consistent history of dividend payments, making it a potential source of income for yield-focused investors. |
| Low-risk investor | Mixed fit | While the bank is established, currency risk and macroeconomic volatility in Chile introduce non-trivial risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | ADR pricing is sensitive to fluctuating exchange rates between the CLP and USD. |
| Valuation risk | Medium | The stock's valuation is tied to the cyclicality of the Chilean financial sector. |
| Competition risk (Fintech/Digital) | Medium / high | Increased competition from agile fintech players may pressure margins in retail banking. |
| Business quality | Strong | The bank benefits from its parent company's global experience, risk systems, and capital base. |
| Dividend income | Medium | Dividends are dependent on local profitability and may fluctuate with the economic cycle. |
| Execution risk | Medium | Successful digital transformation and cost management are essential to maintaining profitability. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -9.58% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 14.94B USD | Price to earnings Ratio 12.25 | 1Y Target Price 34.95 |
Price to earnings Ratio 12.25 | 1Y Target Price 34.95 | ||
Volume (30-day avg) 390.0K shares | Beta 0.23 | 52 Weeks Range 26.59 - 36.40 | Updated Date 10/24/2026 |
52 Weeks Range 26.59 - 36.40 | Updated Date 10/24/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.59 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Retail Banking | Consumer loans, credit cards, and checking accounts for individuals in Chile. | This is the core business that earns money through interest and service fees. |
| Corporate Banking | Large-scale credit facilities and treasury services for Chilean businesses. | Corporate lending provides larger, though sometimes riskier, revenue streams. |
| Geography: Chile | Full spectrum of banking operations within the Chilean market. | The bank's fortunes are tied directly to the health of the Chilean economy. |
Earnings Date
Report Date 2026-10-30 | When Before Market | Estimate 0.65 | Actual - |
Profitability
Profit Margin 47.33% | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) 1.56% | Return on Equity (TTM) 23.31% |
Valuation
Trailing PE 12.25 | Forward PE 16.92 | Enterprise Value 18.77T | Price to Sales(TTM) 5.38 |
Enterprise Value 18.77T | Price to Sales(TTM) 5.38 | ||
Enterprise Value to Revenue 8.99 | Enterprise Value to EBITDA - | Shares Outstanding 471.12M | Shares Floating 309.27M |
Shares Outstanding 471.12M | Shares Floating 309.27M | ||
Percent Insiders - | Percent Institutions 5.44 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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