BSAC
BANCO SANTANDER CHILEFigures below are compared against other companies classified under Commercial Banks, NEC.
Grades vs. industry
Growth
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Revenue growth (YoY) Latest fiscal year revenue vs. the year before. | Not reported | 11.1% | — |
Revenue growth (3y) Annualized revenue growth over three fiscal years. | Not reported | 11.4% | — |
Revenue growth (5y) Annualized revenue growth over five fiscal years. | Not reported | 8.8% | — |
EPS growth (YoY) Diluted EPS vs. the prior fiscal year. | 19.8% | 18.7% | 13 / 26 |
EPS growth (3y) Annualized diluted EPS growth over three fiscal years. | 8.8% | 8.5% | 11 / 24 |
EPS growth (5y) Annualized diluted EPS growth over five fiscal years. | 13.3% | 12.5% | 10 / 21 |
Free cash flow growth (YoY) Operating cash flow less capital expenditure, vs. prior year. | -107.0% | -5.2% | 16 / 19 |
Free cash flow growth (3y) Annualized free cash flow growth over three fiscal years. | Not reported | 10.5% | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Profitability
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Gross margin Gross profit as a share of revenue. Often unreported. | Not reported | — | — |
Operating margin Operating income as a share of revenue. | Not reported | — | — |
Net margin Net income as a share of revenue. | Not reported | 24.3% | — |
Free cash flow margin Free cash flow as a share of revenue. | Not reported | 21.2% | — |
Return on equity Net income divided by shareholder equity. | 18.1% | 13.1% | 4 / 31 |
Return on assets Net income divided by total assets. | 1.5% | 1.0% | 10 / 31 |
Return on invested capital After-tax operating profit over debt plus equity less cash. | Not reported | 33.9% | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Financial health
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Debt to equity Total debt divided by shareholder equity. | 0.60x | 0.58x | 8 / 14 |
Current ratio Current assets over current liabilities. | Not reported | — | — |
Quick ratio Current assets excluding inventory, over current liabilities. | Not reported | — | — |
Interest coverage Operating income divided by interest expense. | Not reported | 0.50x | — |
Net debt to EBITDA Net debt over derived EBITDA. EBITDA is not a GAAP tag; it is computed. | Not reported | -3.18x | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Debt figures can be understated where a filer splits borrowings across XBRL tags this site does not match.
Dividend coverage
Measures how much of earnings and free cash flow the dividend consumes, against industry peers. A low grade means the dividend is less covered than peers' — not that a cut is expected. Long-established payers often score low here by design.
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Dividend payout ratio Dividends paid as a share of net income. | 57.8% | 36.3% | 26 / 30 |
Dividend / free cash flow Dividends paid as a share of free cash flow. The stricter test. | Not reported | 22.2% | — |
Dividend growth (5y) Annualized growth in dividends per share over five years. | Not reported | 6.2% | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Dividend record
What the dividend has actually done, not a prediction of what it will do. Changes are checked against total dollars paid so that stock splits are not mistaken for cuts.
Dividend history is limited to what companies have filed in machine-readable form, which generally begins around 2009. A company may have paid or raised its dividend for far longer than shown here.
One or more years could not be compared — usually a stock split changing the per-share basis — so the streak is measured only from the point the figures become comparable. It is a floor, not a maximum.
Annual financials
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating income | — | — | — | — | CLP 1.07T | CLP 693.88B | CLP 793.54B | CLP 761.74B | CLP 716.32B | CLP 584.45B |
| Net income | CLP 1.04T | CLP 859.85B | CLP 593.84B | CLP 807.48B | CLP 852.43B | CLP 552.73B | CLP 621.31B | CLP 599.69B | CLP 575.25B | CLP 478.43B |
| EPS (diluted) | CLP 5.42 | CLP 4.53 | CLP 3.08 | CLP 4.20 | CLP 4.47 | CLP 2.91 | CLP 3.29 | CLP 3.16 | CLP 2.99 | CLP 2.53 |
| Operating cash flow | CLP 55.41B | CLP 482.39B | CLP 1.32T | -CLP 358.99B | -CLP 594.68B | -CLP 819.99B | CLP 1.86T | CLP 1.02T | -CLP 416.36B | CLP 736.15B |
| Capital expenditure | CLP 84.66B | CLP 63.16B | CLP 74.43B | CLP 58.39B | CLP 57.99B | CLP 50.61B | CLP 57.39B | CLP 68.33B | CLP 58.77B | CLP 62.35B |
| Free cash flow | -CLP 29.25B | CLP 419.23B | CLP 1.24T | -CLP 417.38B | -CLP 652.67B | -CLP 870.61B | CLP 1.80T | CLP 954.16B | -CLP 475.13B | CLP 673.80B |
| Total assets | CLP 68.15T | CLP 68.40T | CLP 70.78T | CLP 68.42T | CLP 63.84T | CLP 55.70T | CLP 50.57T | CLP 39.13T | CLP 35.82T | CLP 37.03T |
| Shareholder equity | CLP 5.74T | CLP 5.36T | CLP 5.34T | CLP 4.96T | CLP 4.43T | CLP 3.70T | CLP 3.48T | CLP 3.25T | CLP 3.15T | CLP 2.94T |
| Total debt | CLP 3.43T | CLP 4.34T | CLP 10.37T | CLP 8.86T | CLP 8.83T | CLP 6.33T | CLP 2.52T | CLP 1.79T | CLP 1.70T | CLP 1.92T |
| Cash | CLP 2.09T | CLP 2.77T | CLP 2.76T | CLP 2.08T | CLP 2.89T | CLP 2.89T | CLP 3.71T | CLP 2.26T | CLP 1.63T | CLP 2.49T |
| Dividends per share | — | — | — | — | — | CLP 0.88 | CLP 1.89 | CLP 2.25 | CLP 1.75 | CLP 1.75 |
A dash means the figure was not tagged in that year’s filing. It does not mean zero. Figures reflect the most recent filing covering each period, so restated years show their restated values.
Amounts are in CLP, as the company reports them. Nothing here is converted to dollars, so these figures cannot be compared directly against a company reporting in another currency. Margins, returns and other ratios are unaffected.
Source
Figures come from BANCO SANTANDER CHILE’s filings with the SEC, as submitted in XBRL. The most recent annual figures are from a 20-F filed Feb 27, 2026. View filings on EDGAR.