Update shared on 17 Nov 2025
Fair value Increased 1.12%Analysts have slightly raised their price target for Banco Santander-Chile from $63.73 to $64.44, citing updated models that reflect modest improvements in revenue growth and valuation assumptions despite a neutral outlook.
Analyst Commentary
Recent analyst coverage of Banco Santander-Chile reflects a balanced view of the bank's near-term prospects. The revised price targets and ratings incorporate a mix of optimism about incremental improvements and caution regarding sustained growth challenges.
Bullish Takeaways
- Bullish analysts have raised price targets in response to updated company models, highlighting expectations of modest revenue growth and improved valuation.
- Some note that recent performance has demonstrated resilience, allowing for incremental upgrades in price objectives despite a neutral broader outlook.
- There is recognition that the bank's previous recovery in net interest margins has been supportive for current valuations and price target increases.
- Ongoing adjustments to financial projections show confidence in the bank's ability to maintain stable operating metrics, even if near-term growth is moderated.
Bearish Takeaways
- Bearish analysts have shifted ratings to neutral, noting that earnings growth is expected to moderate compared to previous periods.
- Some see the recovery in the bank's net interest margin as largely complete, limiting further upside from this driver.
- There is caution regarding the sustainability of outperformance, with some analysts removing the stock from top pick status as growth prospects normalize.
- Concerns persist around the pace of earnings recovery and whether valuation increases can be fully justified without stronger execution improvements.
Valuation Changes
- Fair Value Estimate: increased slightly from CLP 63.73 to CLP 64.44, reflecting revised growth assumptions.
- Discount Rate: decreased marginally from 12.41% to 12.39%, indicating a modestly lower perceived risk.
- Revenue Growth: projected annual growth rose subtly from 11.58% to 11.69%.
- Net Profit Margin: slipped very slightly from 34.43% to 34.33% in updated models.
- Future P/E: ticked up from 15.24x to 15.40x, suggesting a modestly higher expected valuation multiple.
Disclaimer
AnalystConsensusTarget is a tool utilizing a Large Language Model (LLM) that ingests data on consensus price targets, forecasted revenue and earnings figures, as well as the transcripts of earnings calls to produce qualitative analysis. The narratives produced by AnalystConsensusTarget are general in nature and are based solely on analyst data and publicly-available material published by the respective companies. These scenarios are not indicative of the company's future performance and are exploratory in nature. Simply Wall St has no position in the company(s) mentioned. Simply Wall St may provide the securities issuer or related entities with website advertising services for a fee, on an arm's length basis. These relationships have no impact on the way we conduct our business, the content we host, or how our content is served to users. The price targets and estimates used are consensus data, and do not constitute a recommendation to buy or sell any stock, and they do not take account of your objectives, or your financial situation. Note that AnalystConsensusTarget's analysis may not factor in the latest price-sensitive company announcements or qualitative material.