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Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other segments. The company provides checking accounts and savings products; debit and credit cards; consumer, auto, 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. It offers mutual fund management, insurance and securities brokerage, foreign exchange services, financial leasing, financial consulting and advisory, investment management, foreign trade, leasing, factoring, treasury, and transactional services, as well as specialized services to finance residential projects. In addition, the company offers short-term financing and funding, and brokerage services, as well as derivatives, securitization, and other products; and manages capital allocations. Further, it provides health, life, travel, automobile, and unemployment insurance products; personal and corporate protection products; guarantees; international investment accounts, structured funds, and alternative investment funds; and wealth management and open architecture, asset management, and private banking services. It serves individuals, small to middle-sized companies, and other companies, as well as universities, government agencies, municipalities, regional governments, and construction and real estate companies. The company was incorporated in 1977 and is headquartered in Santiago, Chile. Banco Santander-Chile is a subsidiary of Banco Santander, S.A.
Source: TradingView
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Banco Santander Chile is a commercial bank providing retail, corporate and treasury services—deposits, mortgages, consumer and corporate lending and payments, as the Chilean franchise of the Santander Group. Long-term growth may be supported by mortgage and household credit expansion, digital adoption and fee diversification, and integration with global Santander resources could support steady earnings and dividend capacity.
Principal risks include Chilean macroeconomic and political uncertainty, interest-rate and credit cycles that can pressure margins and asset quality, regulatory change and peso volatility that could constrain profitability and capital.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 1277546.00M | 1079595.00M | 691385.00M | 901106.00M | 1074092.00M |
| Minority interest | -16403.00M | -6886.00M | -14410.00M | -15206.00M | -9961.00M |
| Net income | 1053209.00M | 852964.00M | 579427.00M | 792276.00M | 842467.00M |
| Selling general administrative | 752670.00M | 746230.00M | 695639.00M | 720940.00M | 676905.00M |
| Selling and marketing expenses | 21103.00M | 23262.00M | 23555.00M | 25984.00M | 26321.00M |
| Gross profit | 2275837.00M | 2090612.00M | 1588056.00M | 2203922.00M | 2273723.00M |
| Reconciled depreciation | 135159.00M | 141435.00M | 143762.00M | 122993.00M | 122055.00M |
| Ebit | 1175398.02M | 1079595.00M | 691385.00M | 3402444.00M | 1064131.00M |
| Ebitda | 1258412.98M | 1221030.00M | 835147.00M | 3525437.00M | 1186186.00M |
| Depreciation and amortization | 83014.96M | 141435.00M | 143762.00M | 122993.00M | 122055.00M |
| Operating income | 1370434.00M | 1079595.00M | 691385.00M | 3402444.00M | 1064131.00M |
| Other operating expenses | 935666.00M | 3823638.00M | 4530398.00M | 1198522.00M | -1209592.00M |
| Interest expense | 1720057.70M | 2308031.00M | 3310942.00M | 2516544.00M | 1109746.00M |
| Tax provision | 207362.00M | 219745.00M | 97548.00M | 93624.00M | 221664.00M |
| Interest income | 3795609.00M | 4094817.00M | 4403991.00M | 4086656.00M | 2921097.00M |
| Net interest income | 1986683.00M | 1786786.00M | 1093049.00M | 1570112.00M | 1811351.00M |
| Income tax expense | 207934.00M | 219745.00M | 97548.00M | 93624.00M | 221664.00M |
| Total revenue | 2306100.00M | 4903233.00M | 5221783.00M | 2203922.00M | 2273723.00M |
| Total operating expenses | 1030422.00M | 1011017.00M | 896671.00M | 1198522.00M | -1209592.00M |
| Cost of revenue | 2384239.00M | 2812621.00M | 3633727.00M | - | - |
| Total other income expense net | -92888.00M | -16766.00M | -59415.00M | -2501338.00M | 9961.00M |
| Net income from continuing ops | 1038053.00M | 859850.00M | 593837.00M | 807482.00M | 852428.00M |
| Net income applicable to common shares | - | - | - | 792276.00M | 845645.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 68094956.00M | 68403283.00M | 71089439.00M | 68422026.00M | 63841950.00M |
| Intangible assets | 91475.00M | 88669.00M | 97551.00M | 107789.00M | 95411.00M |
| Other current assets | -4759708.00M | 84311.00M | 169603.00M | 2923261.00M | 41237036.00M |
| Total liab | 62410979.00M | 63044328.00M | 65771851.00M | 63458079.00M | 59414377.00M |
| Total stockholder equity | 5616359.00M | 5358955.00M | 5192853.00M | 4854383.00M | 4333213.00M |
| Other current liab | 23950189.49M | 24130.00M | 36819.00M | -442661.00M | -271696.00M |
| Common stock | 891303.00M | 891303.00M | 891303.00M | 891303.00M | 891303.00M |
| Capital stock | 891303.00M | 891303.00M | 891303.00M | 891303.00M | 891303.00M |
| Retained earnings | 661598.00M | 275806.00M | 537461.00M | 679439.00M | 647065.00M |
| Other liab | - | - | - | 1982261.00M | 1230762.00M |
| Other assets | - | -1425839.00M | -20926239.00M | 30878845.00M | 41237036.00M |
| Cash | 5238567.00M | 3268112.00M | 5775525.00M | 5269798.00M | 5260957.00M |
| Total current liabilities | 32718108.00M | 642218.00M | 852012.00M | 12.00M | 271696.00M |
| Current deferred revenue | - | - | 2679.00M | - | - |
| Net debt | 10909643.85M | 11807189.00M | 6647668.00M | 5313859.00M | 12150402.00M |
| Short term debt | 8120130.51M | 12685.00M | 20716.00M | 25902.00M | - |
| Short long term debt total | 16148210.85M | 15075301.00M | 12423193.00M | 10583657.00M | 17411359.00M |
| Other stockholder equity | 629468.00M | 693382.00M | 608721.00M | 590247.00M | 598136.00M |
| Property plant equipment | - | - | - | 371890.00M | 374818.00M |
| Total current assets | 1975644.00M | 4638301.00M | 11066944.00M | 37543148.00M | 11476104.00M |
| Long term investments | 6989631.00M | 7182939.00M | 12971769.00M | 10981176.00M | 10658581.00M |
| Net tangible assets | - | - | - | 4746594.00M | 4237802.00M |
| Short term investments | 1397349.00M | 1947149.00M | 4739590.00M | 6034779.00M | 5876675.00M |
| Net receivables | 99436.00M | 1285878.00M | 382226.00M | 509030.00M | 338472.00M |
| Long term debt | 13081830.00M | 14381919.00M | 12318677.00M | 16030658.00M | 17271564.00M |
| Inventory | - | - | -14356874.00M | 35622.00M | 27415.00M |
| Accounts payable | 647788.00M | 528715.00M | 492280.00M | 416771.00M | 271696.00M |
| Accumulated other comprehensive income | 3433990.00M | 3125331.00M | 3155368.00M | 2693394.00M | 2196709.00M |
| Non currrent assets other | 10004786.00M | 57606575.00M | -13421592.00M | -11460822.00M | -11128810.00M |
| Non current assets total | 66119312.00M | 65190821.00M | 80948734.00M | 33.00M | 11128810.00M |
| Capital lease obligations | 40649.00M | 66882.00M | 104516.00M | 137089.00M | 139795.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -106580.00M | -148491.00M | -94602.00M | -7499.00M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -1292537.89M | -106580.00M | -100085.00M | -94602.00M | -91770.00M |
| Net borrowings | -20762.00M | -25364.00M | -30101.00M | 80654.00M | 549129.00M |
| Total cash from financing activities | -50055.82M | -372847.00M | 2947979.00M | -384323.00M | 238661.00M |
| Change to operating activities | - | - | - | -1830920.00M | -4735915.00M |
| Net income | 1053209.00M | 852964.00M | 496404.00M | 807482.00M | 852428.00M |
| Change in cash | -2771002.00M | 10278.00M | 680838.00M | -812009.00M | -2725.00M |
| Begin period cash flow | 2771002.00M | 2760724.00M | 2079886.00M | 2891895.00M | 2894620.00M |
| End period cash flow | 2093061.00M | 2771002.00M | 2760724.00M | 2079886.00M | 2891895.00M |
| Total cash from operating activities | 704904.49M | 482388.00M | -2165278.00M | -358988.00M | -587180.00M |
| Depreciation | 135159.00M | 141435.00M | 143762.00M | 122993.00M | 122055.00M |
| Other cashflows from investing activities | -1292537.89M | -43419.00M | -43424.00M | - | - |
| Dividends paid | 570842.90M | 347483.00M | 485191.00M | -464977.00M | -310468.00M |
| Other cashflows from financing activities | -546657.46M | 1022005.00M | 2996851.00M | 102481.00M | 595175.00M |
| Change to netincome | - | - | - | 382593.00M | 591964.00M |
| Capital expenditures | 80499.90M | 107720.00M | 56661.00M | 113292.00M | 86769.00M |
| Change in working capital | 483651.71M | 470587.00M | -2632033.00M | -923775.00M | -3314281.00M |
| Stock based compensation | - | -825.00M | 2119.00M | - | 2153373.00M |
| Other non cash items | -831956.22M | -994432.00M | -175530.00M | -313507.00M | -627565.00M |
| Free cash flow | 624404.59M | 374668.00M | -2221939.00M | -472280.00M | -673949.00M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BSAC Banco Santander Chile |
-0.17 0.52% |
32.26 | 14.36 | 14.73 | 5.14 | 2.61 | 9.00 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.76 0.34% |
219.92 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.62 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.28 0.82% |
34.49 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.46 0.49% |
92.86 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other segments. The company provides checking accounts and savings products; debit and credit cards; consumer, auto, 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. It offers mutual fund management, insurance and securities brokerage, foreign exchange services, financial leasing, financial consulting and advisory, investment management, foreign trade, leasing, factoring, treasury, and transactional services, as well as specialized services to finance residential projects. In addition, the company offers short-term financing and funding, and brokerage services, as well as derivatives, securitization, and other products; and manages capital allocations. Further, it provides health, life, travel, automobile, and unemployment insurance products; personal and corporate protection products; guarantees; international investment accounts, structured funds, and alternative investment funds; and wealth management and open architecture, asset management, and private banking services. It serves individuals, small to middle-sized companies, and other companies, as well as universities, government agencies, municipalities, regional governments, and construction and real estate companies. The company was incorporated in 1977 and is headquartered in Santiago, Chile. Banco Santander-Chile is a subsidiary of Banco Santander, S.A.
| Name | Title | Year Born |
|---|---|---|
| Mr. Claudio Melandri Hinojosa | Exec. Chairman | NA |
| Mr. Roman Blanco Reinosa | CEO & Country Head | 1965 |
| Mr. Emiliano Muratore Raccio | Exec. VP of Fin. | NA |
| Mr. Ricardo Bartel Jeffery | Director of Technology & Operations | 1965 |
| Mr. Jonathan Covarrubias Hernandez | Chief Accounting Officer | NA |
| Mr. Andrés Trautmann Buc | Exec. VP Corp. Investment Banking | NA |
| Mr. Sergio Avila Salas | Director of Admin. & Costs | NA |
| Mr. Robert Moreno Heimlich | Mang. of Investor Relations | NA |
| Mr. Cristian Florence Kauer | Gen. Counsel | NA |
| Roberto Sapag | Corp. Communications & Sustainability Mang. | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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