Banco Santander Chile (BSAC) AI Stock Analysis

• Market Cap: $11.68B
• Dividend Yield: 5.37%
• Average Volume (3M): 357.24K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 0.62
• Revenue Growth: 18.54%
• EPS Growth: 65.80%
• Country: US
• Employees: 8,757
• Sector: Financial
• Sector Strength: 74
• Industry: Banks - Regional
• EPS (TTM): 0.61
• Shares Outstanding: 471,115,330
• 10 Day Avg. Volume: 398,324
• 30 Day Avg. Volume: 357,244
• PEG Ratio: -789.08
• Price to Book (P/B): 961.23
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 1.85K
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $23.33
• Price Target Upside: -5.62% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 3

• Rating: 76 Outperform
• Price Target: $28.00 ▲(13.27%Upside)

Banco Santander Chile's overall score is driven by strong earnings growth and effective digital strategy execution, as highlighted in the earnings call. While the company has solid valuation metrics and profitability, technical indicators present a mixed picture, and potential liquidity concerns may pose risks.

Banco Santander Chile Business Overview & Revenue Model

Company Description

Banco Santander Chile (BSAC) is a leading financial institution in Chile, providing a wide range of banking products and services. It operates in the financial services sector, offering personal banking, commercial banking, and investment solutions. The bank serves individuals, small to medium-sized enterprises (SMEs), and large corporations with a comprehensive suite of products including savings accounts, credit cards, mortgages, personal and business loans, and wealth management services.

How the Company Makes Money

Banco Santander Chile generates revenue primarily through net interest income, which is the difference between the interest earned on loans and advances to customers and the interest paid on deposits and other borrowed funds. Additionally, the bank earns non-interest income from fees and commissions related to various financial services such as account management, credit card services, and wealth management. The bank also engages in trading and investment activities, contributing to its financial income. Strategic partnerships with financial technology companies and participation in syndicated loans and capital markets further bolster its revenue streams. Factors such as interest rate environments, economic conditions in Chile, and regulatory frameworks significantly influence the bank's earnings.

Banco Santander Chile Financial Statement Overview

Summary

Banco Santander Chile demonstrates strong profitability and revenue growth, crucial for a regional bank. High leverage and low equity ratio, typical for the industry, pose risk factors. Cash flow analysis indicates potential liquidity issues despite robust profitability metrics, necessitating careful cash management.

Income Statement

Banco Santander Chile has shown strong revenue growth with a notable increase in Total Revenue over the last year, with a TTM Gross Profit Margin of 72.92% and a Net Profit Margin of 33.02%. The EBIT Margin stands at 44.12%, and EBITDA Margin at 44.28%, indicating efficient operational performance. However, the Revenue Growth Rate has fluctuated over the years, which could imply some volatility in revenue streams.

Balance Sheet

The company's Balance Sheet reveals a Debt-to-Equity Ratio of 2.29, indicating a high leverage level typical for banks. The Return on Equity (ROE) is strong at 22.63%, showcasing good profitability and efficient use of equity. However, the Equity Ratio is low at 6.67%, suggesting limited buffer against financial distress.

Cash Flow

There is a substantial decline in Free Cash Flow from the previous year, with a negative Free Cash Flow Growth Rate. The Operating Cash Flow to Net Income Ratio is 0.03, which indicates low cash generation from operations relative to net income. The Free Cash Flow to Net Income Ratio is negative, which may pose liquidity concerns.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
3.06T	2.60T	1.48T	2.20T	2.27T	2.04T
	Gross Profit
2.23T	2.09T	1.48T	1.85T	1.97T	2.04T
	EBIT
1.35T	1.08T	677.08B	1.03T	1.20T	791.46B
	EBITDA
1.36T	1.24T	835.15B	1.02T	1.20T	761.72B
	Net Income Common Stockholders
1.01T	852.96B	579.43B	792.28B	842.47B	547.61B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.95T	7.61T	10.52T	11.30T	11.14T	11.16T
	Total Assets
66.96T	68.40T	71.09T	68.42T	63.84T	55.70T
	Total Debt
10.23T	14.45T	12.42T	10.58T	17.41T	14.69T
	Net Debt
8.28T	9.33T	6.65T	5.31T	12.15T	10.83T
	Total Liabilities
62.49T	63.04T	65.77T	63.46T	59.41T	52.00T
	Stockholders Equity
4.47T	5.25T	5.22T	4.85T	4.33T	3.62T
Cash Flow		Free Cash Flow
-77.75B	374.67B	1.19T	-472.28B	-673.95B	-905.78B
	Operating Cash Flow
26.12B	482.39B	1.32T	-358.99B	-587.18B	-819.99B
	Investing Cash Flow
-110.28B	-106.58B	-117.85B	-94.60B	-91.77B	-70.11B
	Financing Cash Flow
-1.07T	71.33B	2.95T	-384.32B	238.66B	102.09B

Banco Santander Chile Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 24.72
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BSAC, the sentiment is Positive. The current price of 24.72 is below the 20-day moving average (MA) of 24.82, above the 50-day MA of 23.92, and above the 200-day MA of 20.70, indicating a neutral trend. The MACD of 0.22 indicates Positive momentum. The RSI at 52.01 is Neutral, neither overbought nor oversold. The STOCH value of 59.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BSAC.

Banco Santander Chile Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BAP	77 Outperform	$17.28B	11.19	16.35%	4.99%	3.89%	15.26%
BSAC	76 Outperform	$11.68B	10.95	24.02%	5.37%	18.54%	65.80%
CIB	75 Outperform	$10.98B	12.50	15.99%	5.40%	-5.45%	3.43%
BMA	74 Outperform	$4.80B	1,083.07	0.11%	29.07%	-46.30%	-79.35%
BCH	73 Outperform	$15.34B	11.76	23.88%	6.92%	-17.02%	-10.73%
BSBR	70 Outperform	$20.15B	16.80	10.89%	5.03%	-3.94%	31.52%
Sector *	64 Neutral	$12.87B	9.76	7.85%	78.04%	12.07%	-7.94%