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Chile's largest bank by assets, majority-owned by Spain's Santander, offering retail and corporate banking.
Chile's largest bank by assets, majority-owned by Spain's Santander, offering retail and corporate banking.
Most income is the spread between loan and deposit rates, helped by loans indexed to Chile's inflation unit, so higher inflation can add income. Fees from accounts, cards and treasury services add to it.
In one line: Chile's version of a large US regional bank, majority-owned by a European parent..
Moat: narrow (scale, brand, distribution). Largest branch/deposit network in Chile and Santander Group backing, but domestic banking is competitive.
Headquarters: Santiago, Chile · Founded: 1978 · Employees: 8,526
Size Banco Santander-Chile Sponsored ADR (BSAC) is a United States Financials company (Regional Banks) with a market value of $15.2B, the 590th largest of 3,117 United States companies the cockpit tracks. Shares closed at $32.33 on 6 Nov 2026.
Performance Over six months the shares gained 7.0%, against +6.0% for the median peer and -1.1% for the United States market (cap-weighted) — 10th highest of 21 in its peer set.
Growth Revenue grew 17.8% over the last twelve months (peer median -1.8%); the operating margin is 40.8% (peer median 42.1%).
Valuation It trades at 3.00× book value against a peer median of 1.31× (3rd most expensive of 21).
Price implies The share price implies a return on equity of about 17.6%; Banco Santander-Chile Sponsored ADR delivers 24.9%, so the price asks less than the business earns today.
Short interest Short interest is 0.2% of the free float (15 Oct 2026).
Next results Next results expected around 29 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $5.75B | $5.81B | $4.77B | $6.14B | $5.91B |
| Revenue growth | — | +22% | -22% | +4% | — |
| Net income | $1.23B | $1.07B | $904M | $690M | $907M |
| Free cash flow | $439M | $691M | $2.01B | $317M | $759M |
| Capital expenditure | $138M | $145M | $114M | $145M | $130M |
| Total debt | $17.8B | $17.9B | $15.0B | $23.9B | $21.7B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Banco Santander-Chile Sponsored ADR BSAC | $15.2B | +7% | +18% | 25% | 3.00× | 17.6% |
| Banco de Chile Sponsored ADR BCH | $19.6B | +7% | +4% | 22% | 3.15× | 13.6% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | BSAC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +1.2% | +1.6% | 11th highest of 21 |
| 6-month return | +7.0% | +6.0% | 10th highest of 21 |
| Return on equity | 24.9% | 10.6% | highest of 21 |
| Price / book | 3.00× | 1.31× | 3rd most expensive of 21 |
| Trailing P/E | 12.4× | 13.6× | 9th cheapest of 20 |
| ROE the price implies | 17.6% | 7.9% | 4th most demanding of 20 |
| ROE delivered | 24.9% | 11.6% | highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Banco Santander-Chile Sponsored ADR BSAC | United States | $15.2B | +7% | +18% | 25% | 3.00× | 17.6% | 24.9% |
| Pinnacle Financial Partners PNFP | United States | $15.2B | +3% | +100% | 10% | 1.10× | 10.7% | 9.6% |
| ING Bank Slaski ING.WA | Poland | $15.7B | +20% | +4% | 24% | 3.24× | 33.8% | 23.7% |
| Banque Cantonale Vaudoise BCVN.SW | Switzerland | $14.4B | +20% | -8% | 12% | 3.07× | n/a | 11.6% |
| Taiwan Cooperative Financial Hl 5880.TW | Taiwan | $13.6B | +22% | -3% | 9% | 1.55× | 4.8% | 8.9% |
| Bank Polska Kasa Opieki PEO.WA | Poland | $17.4B | +12% | -5% | 18% | 2.04× | 25.7% | 18.2% |
| Bank of Shanghai 601229.SS | China | $17.6B | -13% | -7% | 8% | 0.44× | 2.0% | 7.5% |
| East West Bancorp EWBC | United States | $17.7B | +5% | +3% | 17% | 1.95× | 16.3% | 16.6% |
| Bank of Chengdu 601838.SS | China | $12.8B | +5% | +2% | 15% | 0.92× | 3.1% | 15.1% |
| Bank of Hangzhou 600926.SS | China | $18.6B | -2% | -3% | 14% | 0.86× | 3.0% | 13.8% |
| Bank of Beijing 601169.SS | China | $18.6B | +11% | -5% | 7% | 0.43× | 2.0% | 7.3% |
| CNPC Capital 000617.SZ | China | $12.3B | -31% | -14% | 5% | 0.76× | 7.9% | 4.6% |
| Sinopac Financial Hldgs 2890.TW | Taiwan | $19.3B | +36% | +31% | 16% | 2.34× | 7.7% | 16.3% |
| Chongqing Rural Commercial Bank 601077.SS | China | $11.7B | -1% | -1% | 9% | 0.57× | 2.3% | 9.4% |
| IBK 024110.KS | South Korea | $11.4B | -14% | +28% | 8% | 0.49× | 4.2% | n/a |
| Erste Bank Polska EBP.WA | Poland | $20.4B | +35% | -9% | 16% | 2.42× | 26.7% | 15.6% |
| Hua Nan Financial 2880.TW | Taiwan | $20.8B | +50% | -37% | 14% | 2.85× | 7.9% | 14.1% |
| Yokohama Financial 7186.T | Japan | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% | 8.0% |
| First Horizon FHN | United States | $10.9B | -6% | -8% | 8% | 1.34× | 9.7% | 8.0% |
| Chiba Bank 8331.T | Japan | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% | 8.3% |
| Wintrust Financial WTFC | United States | $10.2B | 0% | +6% | 13% | 1.49× | 12.2% | 12.9% |