BANCO SANTANDER-CHILEBB

BANCO SANTANDER-CHILE

51.990CLPD
−0.670−1.27%
At close at Feb 28, 20:03 GMT
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BSANTANDER fundamentals

Key facts

Market capitalization‪9.80 T‬CLP
Founded1977
Employees (FY)‪9.23 K‬
CEORomán Blanco Reinosa
About

Banco Santander Chile SA engages in the provision of commercial and retail banking services. It operates through the following segments: Retail Banking, Middle-Market, Corporate and Investment Banking, and Other. The Retail banking segment offers consumer loans, credit cards, automobile loans, commercial loans, foreign exchange, mortgage loans, debit cards, checking accounts, savings products, mutual funds, stock brokerage, and insurance brokerage. The Middle-Market segment serves institutions such as universities, government entities, local and regional governments, and companies engaged in the real estate industry who carry out projects to sell properties to third parties. The Corporate and Investment Banking segment consists of foreign and domestic multinational companies. The Other segment represents the results of is financial management division, which develops global management functions, including managing inflation rate risk, foreign currency gaps, interest rate risk and liquidity risk. The company was founded on September 7, 1977 and is headquartered in Santiago, Chile.

Ownership
‪‪188.45 B‬‬
Closely held shares
‪‪126.59 B‬‬ (67.18%)
Free Float shares
‪‪61.85 B‬‬ (32.82%)
Closely held shares
‪‪126.59 B‬‬ (67.18%)
Free Float shares
‪‪61.85 B‬‬ (32.82%)
Capital structure
Market cap
‪‪9.80 T‬‬
Debt
‪‪16.01 T‬‬
Minority interest
‪‪105.27 B‬‬
Cash & equivalents
‪‪2.35 T‬‬
Enterprise value
‪‪23.57 T‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪9.80 T‬‬
Price to earning ratio (P/E)
11.80x
Price to sales ratio (P/S)
1.95x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
11.80x
Price to sales ratio (P/S)
1.95x
Valuation ratios
‪0.00‬
‪0.60‬
‪1.20‬
‪1.80‬
‪2.40‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪5.00‬
‪10.00‬
‪15.00‬
‪20.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪6.5%‬
‪10.0%‬
‪13.5%‬
‪17.0%‬
‪20.5%‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪‪400.00 B‬‬
‪‪800.00 B‬‬
‪‪1.20 T‬‬
‪‪1.60 T‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪400.00 B‬‬
‪‪800.00 B‬‬
‪‪1.20 T‬‬
‪‪1.60 T‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪400.00 B‬‬
‪‪800.00 B‬‬
‪‪1.20 T‬‬
‪‪1.60 T‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2023
Retail Banking
Middle-market
Corporate & Investment Banking
By country
Period: 2023
Chile

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪‪200.00 B‬‬
‪‪400.00 B‬‬
‪‪600.00 B‬‬
‪‪800.00 B‬‬
Actual
Estimate
Earnings
Next:Apr 25, 2025
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪0.40‬
‪0.80‬
‪1.20‬
‪1.60‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary
41.32%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
3.55%
Last payment
1.844
Last ex-date
Apr 19, 2024
Dividend history
‪2.0%‬
‪3.5%‬
‪5.0%‬
‪6.5%‬
‪8.0%‬
2019
2020
2021
2022
2023
‪0.00‬
‪0.70‬
‪1.40‬
‪2.10‬
‪2.80‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪‪−15.00 T‬‬
‪0.00‬
‪‪15.00 T‬‬
‪‪30.00 T‬‬
‪‪45.00 T‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪5.00‬
‪10.00‬
‪15.00‬
‪20.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio