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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 | $9.77B | 13.41 | 11.69% | 1.40% | 3.58% | 13.93% | |
76 Outperform | $10.41B | 12.02 | 9.80% | 2.49% | 4.78% | 21.68% | |
71 Outperform | $19.95B | 15.85 | 21.29% | 5.56% | -11.64% | -8.75% | |
71 Outperform | $19.46B | 19.38 | 17.06% | 10.29% | -6.79% | 16.13% | |
69 Neutral | $15.84B | 14.06 | 24.13% | 4.29% | 12.43% | 56.30% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $23.11B | 21.85 | 9.34% | 4.98% | 1.13% | -11.93% |
Banco Santander Chile Corporate Events
Banco Santander-Chile reported consolidated financial information as of December 31, 2025, filed with the U.S. Securities and Exchange Commission on January 15, 2026, showing total assets of CLP 68.1 trillion, driven mainly by CLP 39.6 trillion in net loans to customers and banks, CLP 9.8 trillion in financial instruments, and CLP 11.1 trillion in derivative contracts. On the funding side, the bank reported CLP 14.1 trillion in demand deposits, CLP 16.5 trillion in time deposits, and CLP 10.3 trillion in issued debt and regulatory capital instruments, with total equity of CLP 4.8 trillion, of which CLP 4.7 trillion was attributable to shareholders. For the period ended December 2025, the bank generated net interest income of CLP 2.02 trillion and net fee and commission income of CLP 596 billion, with total operating income of CLP 2.88 trillion; after provisions for loan losses of CLP 573 billion, support expenses of CLP 936 billion and other negative results, income before tax reached CLP 1.28 trillion and net income CLP 1.07 trillion, mostly attributable to equity holders of the bank. The figures indicate solid profitability and a sizeable balance sheet, underscoring Banco Santander-Chile’s strong competitive position and capital base within the Chilean banking sector, while providing investors and other stakeholders with an updated snapshot of asset quality, earnings generation and funding structure at year-end 2025.
The most recent analyst rating on (BSAC) stock is a Hold with a $36.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
On January 13, 2026, Banco Santander-Chile filed a Form 6-K with the U.S. Securities and Exchange Commission, reporting consolidated financial information for the period ended December 31, 2025. The bank disclosed total assets of approximately MCh$68,095 million, underpinned by a loan book of about MCh$39,592 million and financial instruments of MCh$9,838 million, funded largely by demand and time deposits totaling roughly MCh$31,047 million and issued debt and regulatory capital instruments of MCh$10,370 million. For the 2025 period, the bank generated net interest income of MCh$2,017 million and net fee and commission income of MCh$596 million, contributing to total operating income of MCh$2,879 million; after provisioning MCh$573 million for loan losses, support expenses of MCh$936 million, and other negative results, income before tax reached MCh$1,278 million and net income was MCh$1,070 million, of which MCh$1,053 million was attributable to the bank’s equity holders. The results, signed off by the Chief Accounting Officer and Chief Executive Officer, highlight the bank’s continued profitability and solid capital base, with total equity of MCh$4,790 million as of year-end 2025, reinforcing its position in the Chilean banking sector and providing shareholders and creditors with an updated view of asset quality, earnings capacity, and balance sheet strength.
The most recent analyst rating on (BSAC) stock is a Sell with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
On January 8, 2026, Banco Santander-Chile announced that it has issued a new international bond to strengthen its funding structure and support its banking operations. The bank placed a USD 500 million bond under Rule 144A and Regulation S of the U.S. Securities Exchange Act, with settlement scheduled for January 15, 2026, maturing on November 20, 2030, and carrying a 4.55% coupon and an issue rate of 4.558%, equivalent to a spread of 82 basis points over the five-year U.S. Treasury, underscoring its continued access to global capital markets and potentially reinforcing its liquidity and funding diversification for stakeholders.
The most recent analyst rating on (BSAC) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
On December 30, 2025, Banco Santander-Chile reported that, in connection with an extraordinary shareholders’ meeting convened for January 27, 2026, its board of directors has issued and published its formal decision regarding an offer from Getnet Payments, S.L. to acquire 49.99% of the shares of its payment-card operating subsidiary, Sociedad Operadora de Tarjetas de Pago Santander Getnet Chile S.A. The directors’ statements on the proposed sale, made available at the bank’s offices and on its website for shareholder review, signal a potentially significant transaction in the bank’s payments and acquiring business, and set the stage for shareholders to determine whether to partially divest the Getnet Chile unit and reshape the group’s structure in the local payments market.
The most recent analyst rating on (BSAC) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
On December 23, 2025, Banco Santander Chile’s board resolved to call an extraordinary shareholders’ meeting for January 27, 2026 to consider an offer from Getnet Payments S.L. to acquire 49.99% of the shares in its subsidiary Sociedad Operadora de Tarjetas de Pago Santander Getnet Chile S.A. for 68,000 million Chilean pesos, alongside a new service contract between the bank and the subsidiary valued in an estimated range of 55,465 to 79,999 million pesos, implying a total company valuation near 187,000 million pesos. The meeting, which replaces a previously postponed gathering originally convened for December 10, will give shareholders an opportunity to evaluate the proposed partial sale and service agreement supported by independent valuation reports from Deloitte Chile and Patricio Rojas y Asociados, a move that could reshape Santander Chile’s positioning in the payments segment and unlock value from its card-processing business.
The most recent analyst rating on (BSAC) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
On December 17, 2025, Banco Santander-Chile reported that it issued a US dollar-denominated bond for USD 10 million under its Euro Medium Term Note (EMTN) program, with settlement scheduled for December 29, 2025. The bond, which matures on December 29, 2030 and was placed at a rate of SOFR plus 105 basis points, reflects the bank’s continued use of international capital markets to diversify its funding base and extend the duration of its liabilities, a move that may support long-term lending capacity and reinforce its position in Chile’s banking sector.
The most recent analyst rating on (BSAC) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
Banco Santander-Chile released its consolidated financial information for the period ending November 2025, highlighting a net income of 976,927 million Chilean pesos. The report indicates strong operational results with a total operating income of 2,626,880 million Chilean pesos, despite provisions for loan losses and support expenses. The financial position reflects a robust asset base of 68,013,755 million Chilean pesos, positioning the bank well in the Chilean market.
The most recent analyst rating on (BSAC) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
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.
The most recent analyst rating on (BSAC) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
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.
The most recent analyst rating on (BSAC) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
On November 20, 2025, Banco Santander-Chile announced the successful placement of dematerialized and bearer bonds in the local market. The bonds, registered under the number 20240007, amount to Ch$ 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.
The most recent analyst rating on (BSAC) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
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.
The most recent analyst rating on (BSAC) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
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.
The most recent analyst rating on (BSAC) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
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.
The most recent analyst rating on (BSAC) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
On November 12, 2025, Banco Santander-Chile announced the successful placement of dematerialized and bearer bonds in the local market. The bond series, identified as BI BSTBI0525, amounted to Ch$ 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.
The most recent analyst rating on (BSAC) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
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.
The most recent analyst rating on (BSAC) stock is a Hold with a $30.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
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.
The most recent analyst rating on (BSAC) stock is a Hold with a $30.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
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.
The most recent analyst rating on (BSAC) stock is a Hold with a $30.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
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.
The most recent analyst rating on (BSAC) stock is a Hold with a $30.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.
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.
The most recent analyst rating on (BSAC) stock is a Hold with a $30.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.