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Upturn AI SWOT - About
BSAC 
Banco Santander Chile (BSAC)
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Upturn Advisory Summary
10/30/2025: 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 $25.8
1 Year Target Price $25.8
| 1 | Strong Buy |
| 0 | Buy |
| 8 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -17.05% | Avg. Invested days 32 | 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 10/30/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 13.38B USD | Price to earnings Ratio 11.74 | 1Y Target Price 25.8 |
Price to earnings Ratio 11.74 | 1Y Target Price 25.8 | ||
Volume (30-day avg) 11 | Beta 0.56 | 52 Weeks Range 17.20 - 29.00 | Updated Date 10/30/2025 |
52 Weeks Range 17.20 - 29.00 | Updated Date 10/30/2025 | ||
Dividends yield (FY) 4.77% | Basic EPS (TTM) 2.41 |
Earnings Date
Report Date 2025-10-30 | When - | Estimate 0.5716 | Actual - |
Profitability
Profit Margin 46.03% | Operating Margin (TTM) 53.23% |
Management Effectiveness
Return on Assets (TTM) 1.62% | Return on Equity (TTM) 23.99% |
Valuation
Trailing PE 11.74 | Forward PE 10.92 | Enterprise Value 13878388850688 | Price to Sales(TTM) 0.01 |
Enterprise Value 13878388850688 | Price to Sales(TTM) 0.01 | ||
Enterprise Value to Revenue 8.45 | Enterprise Value to EBITDA - | Shares Outstanding 471115317 | Shares Floating 61116847842 |
Shares Outstanding 471115317 | Shares Floating 61116847842 | ||
Percent Insiders - | Percent Institutions 5.46 |
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 since grown to become one of the largest banks in Chile, with significant operations in retail banking, corporate banking, and investment banking.
Core Business Areas
- Retail Banking: Provides financial products and services to individuals and small businesses, including checking and savings accounts, loans, credit cards, and insurance products.
- Corporate Banking: Offers a range of financial solutions to corporations, including commercial loans, trade finance, investment banking services, and cash management solutions.
- Global Banking & Markets: Provides tailored products and services to corporate and institutional clients, focusing on capital markets, treasury and transactional services. It includes fixed income, currencies, and equities.
Leadership and Structure
The bank is led by a CEO and a board of directors. Its organizational structure includes various divisions, such as Retail Banking, Corporate Banking, and Global Banking & Markets.
Top Products and Market Share
Key Offerings
- Checking Accounts: Transactional accounts for everyday banking needs. Santander Chile has a significant market share in this area. Competitors include Banco de Chile, BCI, and Scotiabank Chile.
- Consumer Loans: Personal loans, auto loans, and mortgages. Santander Chile is a major player in the Chilean consumer lending market. Competitors include Banco de Chile, BCI, and Scotiabank Chile.
- Credit Cards: Various credit card options with rewards and benefits. Santander Chile is a major player in the Chilean credit card market. Competitors include Banco de Chile, BCI, and Scotiabank Chile.
Market Dynamics
Industry Overview
The Chilean banking industry is relatively concentrated, with a few major players dominating the market. It is influenced by macroeconomic conditions, regulatory changes, and technological advancements.
Positioning
Banco Santander Chile is one of the leading banks in Chile, known for its strong brand, extensive branch network, and wide range of financial products and services.
Total Addressable Market (TAM)
The TAM for banking services in Chile is estimated to be in the billions of USD, encompassing all financial needs of individuals and businesses. Santander Chile, being one of the largest banks, captures a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive branch network
- Wide range of financial products and services
- Strong capital base
- High credit ratings
Weaknesses
- Exposure to economic fluctuations in Chile
- Reliance on traditional banking channels
- Potential for regulatory challenges
- Higher cost structure compared to digital-first banks
Opportunities
- Growth in the Chilean economy
- Increased demand for financial services
- Expansion into new markets and products
- Adoption of digital technologies
- Growing wealth management segment
Threats
- Increased competition from other banks and fintech companies
- Changes in regulations
- Economic downturn in Chile
- Cybersecurity risks
- Political instability
Competitors and Market Share
Key Competitors
- BCH
- BICE
- ITCB
Competitive Landscape
Banco Santander Chile has a strong brand and extensive network but faces increasing competition from local and international banks and fintech companies. It must continue to innovate and adapt to changing customer needs.
Growth Trajectory and Initiatives
Historical Growth: Historical growth depends on the economic environment in Chile, but has been steady. Please refer to the latest financial reports of the company.
Future Projections: Future projections are subject to macroeconomic factors. Please refer to analyst estimates.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
Banco Santander Chile is a leading bank in Chile with a strong market position. Its strengths lie in its brand, network, and diverse product offerings. However, it faces challenges from increased competition, economic fluctuations, and regulatory changes. Continuous innovation in digital channels is crucial for sustained success.
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Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Industry Reports
- Analyst Estimates
Disclaimers:
The data and analysis provided are based on publicly available information and are for informational purposes only. It should not be considered as financial advice. Investing in stocks involves risks, and you could lose money.
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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