Banco Santander-Chile
Market Cap
US$9.4t
Last Updated
2019/08/25 23:33 UTC
Data Sources
Company Financials +
Executive Summary
Banco Santander-Chile provides commercial and retail banking products and services in Chile.
Snowflake
Fundamentals
Excellent balance sheet established dividend payer.
Similar Companies
Share Price & News
How has Banco Santander-Chile's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
-2.4%
NYSE:BSAC
-1.9%
US Banks
-1.9%
US Market
1 Year Return
-9.9%
NYSE:BSAC
-16.1%
US Banks
-3.3%
US Market
BSAC outperformed the Banks industry which returned -16.1% over the past year.
BSAC underperformed the Market in United States of America which returned -3% over the past year.
Share holder returns
| BSAC | Industry | Market | |
|---|---|---|---|
| 7 Day | -2.4% | -1.9% | -1.9% |
| 30 Day | -6.4% | -11.1% | -6.2% |
| 90 Day | -0.6% | -4.9% | 0.3% |
| 1 Year | -7.4%-9.9% | -13.7%-16.1% | -1.1%-3.3% |
| 3 Year | 46.9%29.8% | 37.8%28.4% | 37.9%28.9% |
| 5 Year | 43.7%16.6% | 49.3%33.2% | 50.8%34.1% |
Price Volatility Vs. Market
How volatile is Banco Santander-Chile's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Banco Santander-Chile undervalued based on future cash flows and its price relative to the stock market?
16.06x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
Banco Santander-Chile's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
Banco Santander-Chile's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
Price Based on Earnings
Banco Santander-Chile is overvalued based on earnings compared to the US Banks industry average.
Banco Santander-Chile is good value based on earnings compared to the United States of America market.
Price Based on Expected Growth
Banco Santander-Chile is poor value based on expected growth next year.
Price Based on Value of Assets
Banco Santander-Chile is overvalued based on assets compared to the US Banks industry average.
Next Steps
Future Growth
How is Banco Santander-Chile expected to perform in the next 1 to 3 years based on estimates from 11 analysts?
9.8%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Banco Santander-Chile's revenue is expected to grow by 10.6% yearly, however this is not considered high growth (20% yearly).
Banco Santander-Chile's earnings are expected to grow by 9.8% yearly, however this is not considered high growth (20% yearly).
Banco Santander-Chile's revenue growth is expected to exceed the United States of America market average.
Banco Santander-Chile's earnings growth is positive but not above the United States of America market average.
Banco Santander-Chile's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Banco Santander-Chile is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
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Past Performance
How has Banco Santander-Chile performed over the past 5 years?
2.3%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Banco Santander-Chile's year on year earnings growth rate has been positive over the past 5 years.
Banco Santander-Chile's 1-year earnings growth is equal to the 5-year average.
Banco Santander-Chile's earnings growth has not exceeded the US Banks industry average in the past year (2.3% vs 33.1%).
Return on Equity
Banco Santander-Chile has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
Banco Santander-Chile used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if Banco Santander-Chile improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
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Financial Health
How is Banco Santander-Chile's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Information is not available.
Information is not available.
Financial Institutions Analysis
Banco Santander-Chile has an acceptable proportion of non-loan assets held.
Banco Santander-Chile has a sufficient allowance for bad loans.
Banco Santander-Chile's liabilities are made up of primarily low risk sources of funding.
Banco Santander-Chile's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
Banco Santander-Chile has advanced significantly more loans than the customer deposits it holds (i.e. bank has borrowed additional funds to lend).
Banco Santander-Chile has an acceptable level of bad loans (less than 2%).
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Dividend
What is Banco Santander-Chile's current dividend yield, its reliability and sustainability?
4.10%
Expected Dividend Yield
Dividend Yield and Payments Analysis
Banco Santander-Chile's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).
Banco Santander-Chile's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).
Dividends per share have been stable in the past 10 years.
Dividends per share have increased over the past 10 years.
Current Payout to Shareholders
Dividends paid are covered by earnings (1.7x coverage).
Future Payout to Shareholders
Dividends after 3 years are expected to be covered by earnings (1.8x coverage).
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Management
What is the CEO of Banco Santander-Chile's salary, the management and board of directors tenure and is there insider trading?
4.4yrs
Average management tenure
CEO
Miguel Mata Huerta 0
1.4yrs
Tenure
Mr. Miguel Mata Huerta has been the Chief Executive Officer of Banco Santander-Chile since March 1, 2018, and serves as its General Manager. Mr. Huerta served as Deputy General Manager at Banco Santander-C ...
Management Age and Tenure
4.4yrs
Average Tenure
The tenure for the Banco Santander-Chile management team is about average.
Board Age and Tenure
1.4yrs
Average Tenure
66yo
Average Age
The average tenure for the Banco Santander-Chile board of directors is less than 3 years, this suggests a new board.
Insider Trading
No 3 month open market individual insider trading information.
Ownership Breakdown
Management Team
Miguel Mata Huerta
CEO & GM
- Tenure: 1.4yrs
Ricardo Jeffery (54yo)
Director of Technology & Operations
- Tenure: 4.8yrs
Felipe Contreras Fajardo
Chief Accounting officer
- Tenure: 10.8yrs
Claudio Melandri Hinojosa
Executive Chairman
- Tenure: 1.4yrs
Emiliano Muratore
Chief Financial Officer
- Tenure: 3.3yrs
Cristian Kauer
General Counsel
- Tenure: 6.9yrs
Sergio Ávila Salas
Director of Administration & Costs
- Tenure: 4.4yrs
Robert Moreno Heimlich
Manager of Investor Relations
- Tenure: 0.0yrs
Ana Botin
President
- Tenure: 0.0yrs
Roberto Sapag
Corporate Communications & Sustainability Manager
- Tenure: 0.0yrs
Board Members
Oscar von Chrismar Carvajal (66yo)
Alternate Director
- Tenure: 0.0yrs
Juan Pedro Santa Maria Perez
Corporate Legal Director of the Group & Director
- Tenure: 7.1yrs
Rodrigo Echenique Gordillo (73yo)
Director
- Tenure: 0.4yrs
Lucía Santa Cruz Sutil
Director
- Tenure: 16.0yrs
Claudio Melandri Hinojosa
Executive Chairman
- Tenure: 1.4yrs
Orlando Poblete Iturrate
Second Vice President of the Board
- Tenure: 1.4yrs
Rodrigo Vergara Montes (57yo)
First Vice President of the Board
- Tenure: 1.1yrs
Ana Dorrego de Carlos
Director
- Tenure: 4.4yrs
Alfonso Gómez Morales
Independent Director
- Tenure: 1.4yrs
Félix de Vicente Mingo
Independent Director
- Tenure: 0.0yrs
Company Information
Banco Santander-Chile's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Banco Santander-Chile
- Ticker: BSAC
- Exchange: NYSE
- Founded: 1977
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: CL$9.422t
- Listing Market Cap: CL$13.155b
- Shares outstanding: 188.45b
- Website: https://www.santander.cl
Number of Employees
Location
- Banco Santander-Chile
- Bandera 140
- 20th Floor
- Santiago
- Region Metropolitana (Santiago)
- Chile
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| BSAC | NYSE (New York Stock Exchange) | ADR-EACH REPR 400 COM NPV | US | USD | Jan 1997 | |
| BSA | DB (Deutsche Boerse AG) | ADR-EACH REPR 400 COM NPV | DE | EUR | Jan 1997 | |
| BSANTANDER | SNSE (Santiago Stock Exchange) | Yes | Common Stock | CL | CLP | Jun 1997 |
Biography
Banco Santander-Chile provides commercial and retail banking products and services in Chile. It operates through Retail Banking, Middle-Market, and Global Corporate Banking segments. The company offers che ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/25 23:33 |
| End of Day Share Price | 2019/08/23 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.