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Banco Santander Chile
(NYSE:BSAC)
Banco Santander Chile (BSAC) vs. SPDR S&P 500 ETF (SPY)
Banco Santander Chile Business Overview & Revenue Model
Banco Santander Chile Earnings Call Summary
Banco Santander Chile Financial Statement Overview
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.58T | 4.90T | 5.22T | 4.72T | 3.37T | 2.68T |
| Gross Profit | 2.14T | 2.09T | 1.59T | 1.85T | 1.97T | 1.56T |
| EBITDA | 1.44T | 1.22T | 835.15B | 1.03T | 1.20T | 804.69B |
| Net Income | 1.07T | 852.96B | 579.43B | 792.28B | 842.47B | 547.61B |
Balance Sheet | ||||||
| Total Assets | 68.24T | 68.40T | 71.09T | 68.42T | 63.84T | 55.70T |
| Cash, Cash Equivalents and Short-Term Investments | 8.25T | 7.61T | 10.52T | 11.30T | 11.14T | 11.16T |
| Total Debt | 15.20T | 14.73T | 12.71T | 10.90T | 10.38T | 14.69T |
| Total Liabilities | 63.53T | 63.04T | 65.77T | 63.46T | 59.41T | 52.00T |
| Stockholders Equity | 4.59T | 5.25T | 5.19T | 4.85T | 4.33T | 3.62T |
Cash Flow | ||||||
| Free Cash Flow | 679.54B | 374.67B | -2.22T | -472.28B | -3.24T | -905.78B |
| Operating Cash Flow | 709.62B | 482.39B | -2.17T | -358.99B | -3.19T | -819.99B |
| Investing Cash Flow | -43.01B | -106.58B | -100.08B | -94.60B | -84.27B | -70.11B |
| Financing Cash Flow | -1.57T | -372.85B | 2.95T | -384.32B | 2.83T | 102.09B |
Banco Santander Chile Technical Analysis
Banco Santander Chile Risk Analysis
Banco Santander Chile Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $9.51B | 13.05 | 11.69% | 1.42% | 3.58% | 13.93% | |
77 Outperform | $10.31B | 11.91 | 9.80% | 2.50% | 4.78% | 21.68% | |
71 Outperform | $19.16B | 14.66 | 21.29% | 5.42% | -11.64% | -8.75% | |
71 Outperform | $16.60B | 16.42 | 17.06% | 10.25% | -6.79% | 16.13% | |
69 Neutral | $14.31B | 12.50 | 24.13% | 4.28% | 12.43% | 56.30% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $22.12B | 21.13 | 9.34% | 5.14% | 1.13% | -11.93% |
Banco Santander Chile Corporate Events
On November 25, 2025, Banco Santander Chile announced the postponement of its extraordinary shareholders’ meeting originally scheduled for December 10, 2025. The meeting was intended to discuss the offer from Getnet Payments, S.L. for the purchase of a significant stake in Sociedad Operadora de Tarjetas de Pago Santander Getnet Chile S.A. The delay is to allow external evaluators to update their reports with the latest financial results and projections, ensuring the offer terms are accurately assessed.
On November 21, 2025, Banco Santander Chile announced an extraordinary shareholders’ meeting scheduled for December 10, 2025, to discuss the sale of 49.99% of its subsidiary, Sociedad Operadora de Tarjetas de Pago Santander Getnet Chile S.A., to Getnet Payments, S.L. This decision reflects the bank’s strategic move to potentially restructure its holdings in its payment processing subsidiary, which could impact its market operations and stakeholder interests.
On November 20, 2025, Banco Santander-Chile announced the successful placement of dematerialized and bearer bonds in the local market. The bonds, registered under the number 20240007, amount to Ch$ 2,500,000,000 and will mature on May 1, 2028, with an average placement rate of 5.24%. This move is part of the bank’s strategy to strengthen its financial position and enhance its market operations.
On November 18, 2025, Banco Santander Chile announced that its Board of Directors decided to hold an extraordinary shareholders’ meeting on December 10, 2025. The meeting will address the offer from Getnet Payments, S.L. to purchase 49.99% of the shares of Sociedad Operadora de Tarjetas de Pago Santander Getnet Chile S.A., a subsidiary of Banco Santander-Chile. This decision includes discussing the terms and conditions of the offer and a service agreement between Banco Santander-Chile and the subsidiary. This move could significantly impact the company’s operations and market positioning, potentially altering its stake in the payments sector.
Banco Santander-Chile has released its consolidated financial statements as of September 30, 2025. This release is part of the bank’s regular reporting obligations under the Securities Exchange Act of 1934. The financial statements provide stakeholders with insights into the bank’s financial health and operational performance, potentially impacting investor perceptions and market positioning.
Banco Santander-Chile released its consolidated financial information for the period ending October 31, 2025. The bank reported a net income of 902,743 million Chilean pesos, with net interest income of 1,678,713 million pesos and total operating income of 2,399,385 million pesos. The financial results highlight the bank’s strong operational performance and its ability to maintain a robust financial position, which is crucial for its stakeholders and market positioning.
On November 12, 2025, Banco Santander-Chile announced the successful placement of dematerialized and bearer bonds in the local market. The bond series, identified as BI BSTBI0525, amounted to Ch$ 40,000,000,000 and is set to mature on May 1, 2028, with an average placement rate of 5.25%. This strategic move is expected to enhance the bank’s financial operations and strengthen its position in the local financial market.
Banco Santander Chile reported a robust financial performance for the nine months ending September 30, 2025, with a net income attributable to shareholders of $798 billion, marking a 37.3% year-over-year increase. The bank achieved a return on average equity (ROAE) of 24.0%, driven by growth in main revenue lines, improved net interest margin, and an expanding customer base. Despite a quarterly decrease in net income, the bank maintained strong operational efficiency and capital ratios, highlighting its solid market position and strategic focus on digital banking and customer expansion.
On October 28, 2025, Banco Santander-Chile announced the placement of dematerialized and bearer bonds in the local market. The bonds, registered under the Securities Registry of the CMF, are part of the Bank’s strategic financial operations, with a total amount of UF 1,000,000 maturing on April 1, 2040, and an average placement rate of 3.02%. This move is significant for the Bank’s financial positioning and offers potential implications for stakeholders in terms of investment opportunities and market confidence.
On October 27, 2025, Banco Santander-Chile announced the placement of dematerialized and bearer bonds in the local market, under the securities registry number 102016. The bond series T-23 BSTD230822, amounting to UF 300,000, is set to mature on February 1, 2031, with an average placement rate of 2.79%. This strategic move is likely to enhance the bank’s financial flexibility and strengthen its market position.
On October 21, 2025, Banco Santander-Chile announced the placement of dematerialized and bearer bonds in the local market. The bonds, identified as Series T-23 BSTD230822, amount to UF 400,000 and are set to mature on February 1, 2031, with an average placement rate of 2.79%. This strategic financial move is part of the bank’s efforts to strengthen its market presence and enhance its financial offerings, potentially impacting stakeholders by providing new investment opportunities.
On October 20, 2025, Banco Santander-Chile announced the successful placement of dematerialized and bearer bonds in the local market. The bonds, part of the Series T-21 BSTD210622, amounted to UF 530,000 and are set to mature on December 1, 2029, with an average placement rate of 2.68%. This move is part of the bank’s strategy to strengthen its financial position and enhance its offerings in the securities market, potentially impacting stakeholders by providing more investment opportunities.
On October 10, 2025, Banco Santander-Chile announced the placement of dematerialized and bearer bonds in the local market. The bonds, part of the T-23 BSTD230822 series, amounted to UF 200,000 and are set to mature on February 1, 2031, with an average placement rate of 2.73%. This move is part of the bank’s strategy to strengthen its financial offerings and maintain its competitive position in the Chilean financial market.
Banco Santander-Chile released its consolidated financial information for the period ending September 30, 2025. The report highlights a net income of 809.42 million Chilean pesos, with total assets amounting to 68.24 billion Chilean pesos. The financial results reflect the bank’s strong operational performance, with significant net interest and fee income contributing to its profitability. The report indicates a robust financial position, which is crucial for maintaining its competitive edge in the Chilean banking sector.
On October 8, 2025, Banco Santander-Chile announced the placement of dematerialized and bearer bonds in the local market. The bonds, part of the Series T-23 BSTD230822, totaled UF 500,000 and are set to mature on February 1, 2031, with an average placement rate of 2.73%. This strategic move is expected to enhance the bank’s financial positioning and provide additional resources for its operations, potentially impacting stakeholders positively.
On October 7, 2025, Banco Santander-Chile successfully placed dematerialized and bearer bonds in the local market. The bond series T-23 BSTD230822, amounting to UF 150,000, is set to mature on February 1, 2031, with an average placement rate of 2.72%. This strategic move is expected to enhance the bank’s financial operations and strengthen its market position.
On October 1, 2025, Banco Santander-Chile announced the successful placement of dematerialized and bearer bonds in the local market. The bonds, part of the Series T-23 BSTD230822, amount to UF 550,000 and are set to mature on February 1, 2031, with an average placement rate of 2.74%. This strategic move is expected to strengthen the bank’s financial position and enhance its market presence, offering stakeholders potential benefits through improved capital resources.
On October 2, 2025, Banco Santander-Chile released its consolidated financial statements for the period ending June 30, 2025. This financial disclosure is part of the company’s compliance with the Securities Exchange Act of 1934, showcasing its commitment to transparency and regulatory adherence. The release of these financial statements provides stakeholders with crucial insights into the bank’s financial health and operational performance during the first half of the year.
Banco Santander-Chile released its consolidated financial information for the period ending August 31, 2025, highlighting a net income of 718,147 million Chilean pesos. The report indicates strong operational results with a total operating income of 1,923,365 million pesos, despite provisions for loan losses and support expenses. These financial results underscore the bank’s stable position in the market and its ability to generate significant income, benefiting stakeholders and reinforcing its industry standing.