B1SA34 Stock Overview

Provides commercial and retail banking services in Chile. More details

B1SA34 fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	1/6
Past Performance	5/6
Financial Health	2/6
Dividends	4/6

Rewards

Revenue is forecast to grow 11.81% per year

Earnings grew by 79.9% over the past year

Risk Analysis

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Banco Santander-Chile Competitors

Banco Santander (Brasil)

BOVESPA:SANB4

R$90.3b

Itaúsa

BOVESPA:ITSA4

R$97.1b

Banco Bradesco

BOVESPA:BBDC4

R$119.5b

Banco do Brasil

BOVESPA:BBAS3

R$137.4b

Price History & Performance

Summary of share price highs, lows and changes for Banco Santander-Chile
Historical stock prices
Current Share Price	CL$57.90
52 Week High	CL$59.64
52 Week Low	CL$44.10
Beta	0.57
1 Month Change	4.85%
3 Month Change	2.01%
1 Year Change	22.67%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	36.81%

Recent updates

Shareholder Returns

	B1SA34	BR Banks	BR Market
7D	-1.6%	-0.4%	-2.1%
1Y	22.7%	-14.1%	-11.7%

Return vs Industry: B1SA34 exceeded the BR Banks industry which returned -14.1% over the past year.

Return vs Market: B1SA34 exceeded the BR Market which returned -11.7% over the past year.

Price Volatility

Is B1SA34's price volatile compared to industry and market?
B1SA34 volatility
B1SA34 Average Weekly Movement	3.2%
Banks Industry Average Movement	3.4%
Market Average Movement	5.1%
10% most volatile stocks in BR Market	9.5%
10% least volatile stocks in BR Market	2.8%

Stable Share Price: B1SA34 has not had significant price volatility in the past 3 months compared to the BR market.

Volatility Over Time: B1SA34's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1977	9,229	Roman Blanco Reinosa	banco.santander.cl

Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking services in Chile. It operates through Retail Banking, Middle-Market, Corporate Investment Banking, and Corporate Activities segments. The company offers debit and credit cards, checking accounts, and savings products; consumer, automobile, commercial, mortgage, and government-guaranteed loans; and Chilean peso and foreign currency-denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines, as well as mortgage financing services.

Banco Santander-Chile Fundamentals Summary

How do Banco Santander-Chile's earnings and revenue compare to its market cap?
B1SA34 fundamental statistics
Market cap	R$54.73b
Earnings (TTM)	R$4.72b
Revenue (TTM)	R$12.06b

11.6x

P/E Ratio

2.1x

P/B Ratio

Is B1SA34 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
B1SA34 income statement (TTM)
Revenue	CL$1.93t
Cost of Revenue	CL$26.47b
Gross Profit	CL$1.91t
Other Expenses	CL$1.15t
Earnings	CL$758.03b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	4.02
Gross Margin	98.63%
Net Profit Margin	39.18%
Debt/Equity Ratio	642.1%

How did B1SA34 perform over the long term?

See historical performance and comparison

Dividends

4.0%

Current Dividend Yield

46%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 23:05
End of Day Share Price	2024/12/23 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Banco Santander-Chile is covered by 25 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Roberto de Aguiar Attuch	Barclays
Ernesto Gabilondo Márquez	BofA Global Research
Gustavo Schroden	Bradesco S.A. Corretora de Títulos e Valores Mobiliários