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Banco Santander Chile (BSAC)
NYSE:BSAC
US Market

Banco Santander Chile (BSAC) Ratios

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Banco Santander Chile Ratios

BSAC's free cash flow for Q4 2025 was $1.93. For the 2025 fiscal year, BSAC's free cash flow was decreased by $ and operating cash flow was $0.49. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
1.85 0.06 0.29 21.24 26.69
Quick Ratio
1.85 0.06 0.29 21.24 26.69
Cash Ratio
0.37 0.16 0.17 11.26 11.90
Solvency Ratio
0.02 0.02 0.02 0.01 0.01
Operating Cash Flow Ratio
0.16 0.02 0.02 -4.22 -0.81
Short-Term Operating Cash Flow Coverage
0.16 0.09 1.74 -7.66 -1.14
Net Current Asset Value
$ -47.43T$ -60.44T$ -54.06T$ -54.87T$ -51.64T
Leverage Ratios
Debt-to-Assets Ratio
0.24 0.24 0.22 0.18 0.16
Debt-to-Equity Ratio
2.87 2.88 2.80 2.45 2.25
Debt-to-Capital Ratio
0.74 0.74 0.74 0.71 0.69
Long-Term Debt-to-Capital Ratio
0.59 0.59 0.73 0.70 0.68
Financial Leverage Ratio
12.13 12.12 13.02 13.69 14.09
Debt Service Coverage Ratio
0.11 0.11 0.39 0.21 0.33
Interest Coverage Ratio
0.68 0.80 0.47 0.21 0.36
Debt to Market Cap
1.18 1.22 1.65 1.56 1.69
Interest Debt Per Share
95.05 37.93K 36.16K 34.00K 28.48K
Net Debt to EBITDA
9.93 8.67 7.87 8.30 5.46
Profitability Margins
Gross Profit Margin
52.12%98.69%42.64%30.41%39.14%
EBIT Margin
24.86%50.97%22.02%13.24%19.09%
EBITDA Margin
26.62%54.57%24.90%15.99%21.84%
Operating Profit Margin
24.86%59.43%22.02%13.24%19.09%
Pretax Profit Margin
24.86%55.40%22.02%13.24%19.09%
Net Profit Margin
20.55%45.67%17.40%11.10%16.78%
Continuous Operations Profit Margin
20.69%46.38%17.54%11.37%17.11%
Net Income Per EBT
82.65%82.44%79.01%83.81%87.92%
EBT Per EBIT
100.00%93.22%100.00%100.00%100.00%
Return on Assets (ROA)
1.50%1.55%1.25%0.82%1.16%
Return on Equity (ROE)
21.37%18.75%16.23%11.16%16.32%
Return on Capital Employed (ROCE)
2.06%3.87%2.86%0.98%1.33%
Return on Invested Capital (ROIC)
1.51%2.64%2.26%2.46%3.48%
Return on Tangible Assets
1.50%1.55%1.25%0.82%1.16%
Earnings Yield
7.53%7.95%9.62%7.16%12.46%
Efficiency Ratios
Receivables Turnover
0.00 23.19 3.81 13.66 9.27
Payables Turnover
0.00 3.68 5.32 7.38 4.76
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
17.64 0.00 15.68 14.82 12.69
Asset Turnover
0.07 0.03 0.07 0.07 0.07
Working Capital Turnover Ratio
-0.57 -0.09 -0.87 0.48 -2.42
Cash Conversion Cycle
0.00 -83.43 27.11 -22.73 -37.25
Days of Sales Outstanding
0.00 15.74 95.72 26.72 39.36
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 99.17 68.61 49.45 76.61
Operating Cycle
0.00 15.74 95.72 26.72 39.36
Cash Flow Ratios
Operating Cash Flow Per Share
6.91 1.50K 1.02K -4.60K -762.00
Free Cash Flow Per Share
13.05 1.33K 795.28 -4.72K -1.00K
CapEx Per Share
0.45 170.87 228.65 120.27 240.48
Free Cash Flow to Operating Cash Flow
1.89 0.89 0.78 1.03 1.32
Dividend Paid and CapEx Coverage Ratio
1.90 1.08 1.06 -4.00 -0.62
Capital Expenditure Coverage Ratio
15.37 8.76 4.48 -38.21 -3.17
Operating Cash Flow Coverage Ratio
0.08 0.04 0.03 -0.17 -0.03
Operating Cash Flow to Sales Ratio
0.26 0.31 0.10 -0.41 -0.08
Free Cash Flow Yield
18.12%4.71%4.23%-27.44%-7.43%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
13.28 12.58 10.40 13.97 8.02
Price-to-Sales (P/S) Ratio
2.73 5.75 1.81 1.55 1.35
Price-to-Book (P/B) Ratio
2.42 2.36 1.69 1.56 1.31
Price-to-Free Cash Flow (P/FCF) Ratio
5.52 21.22 23.67 -3.64 -13.46
Price-to-Operating Cash Flow Ratio
10.43 18.80 18.38 -3.74 -17.71
Price-to-Earnings Growth (PEG) Ratio
-2.70 0.54 0.14 -0.37 -1.33
Price-to-Fair Value
2.42 2.36 1.69 1.56 1.31
Enterprise Value Multiple
20.18 19.20 15.13 17.99 11.62
Enterprise Value
26.71T 24.16T 18.48T 15.03T 11.99T
EV to EBITDA
20.18 19.20 15.13 17.99 11.62
EV to Sales
5.37 10.48 3.77 2.88 2.54
EV to Free Cash Flow
10.87 38.70 49.31 -6.76 -25.38
EV to Operating Cash Flow
20.53 34.28 38.30 -6.94 -33.39
Tangible Book Value Per Share
29.95 11.87K 11.19K 11.08K 10.31K
Shareholders’ Equity Per Share
29.80 11.92K 11.15K 11.02K 10.30K
Tax and Other Ratios
Effective Tax Rate
0.17 0.16 0.20 0.14 0.10
Revenue Per Share
26.38 4.89K 10.41K 11.08K 10.02K
Net Income Per Share
5.42 2.24K 1.81K 1.23K 1.68K
Tax Burden
0.83 0.82 0.79 0.84 0.88
Interest Burden
1.00 1.09 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.09 0.33 0.15 0.13 0.15
Stock-Based Compensation to Revenue
0.00 0.00 >-0.01 <0.01 >-0.01
Income Quality
1.27 0.67 0.57 -4.36 -0.45
Currency in CLP