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BSAC

Banco Santander-Chile

BSAC

Banco Santander-Chile • NYSE
$29.93 ▲ 0.00% (+0.00)
Market Cap $14.10 B
52w High $30.75
52w Low $18.19
Dividend Yield 1.33%
P/E 12.22
Volume 230.45K
Outstanding Shares 471.12M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $1.089T ▼ $216.874B ▼ $247.514B ▼ 22.736% ▼ $524 ▼ $337.602B ▼
Q2-2025 $1.194T ▲ $302.067B ▲ $272.558B ▼ 22.831% ▼ $580 ▼ $359.487B ▼
Q1-2025 $1.052T ▼ $164.244B ▲ $277.797B ▲ 26.395% ▲ $588 $369.71B ▼
Q4-2024 $1.243T ▲ $156.032B ▼ $271.855B ▲ 21.879% ▼ $588 ▲ $370.372B ▲
Q3-2024 $558.45B $288.524B $243.133B 43.537% $516 $338.733B

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $8.251T ▲ $68.24T ▲ $63.533T ▲ $4.592T ▲
Q2-2025 $6.56T ▲ $66.188T ▼ $61.562T ▼ $4.514T ▲
Q1-2025 $6.529T ▼ $67.059T ▼ $62.552T ▼ $4.4T ▼
Q4-2024 $7.614T ▲ $68.403T ▲ $63.044T ▲ $5.255T ▲
Q3-2024 $6.038T $65.89T $61.566T $4.219T

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $247.514B ▼ $0 ▼ $0 ▲ $0 ▲ $-1.864T ▼ $0 ▼
Q2-2025 $272.558B ▼ $897.706B ▲ $-19.281B ▲ $-1.176T ▼ $-304.283B ▲ $886.388B ▲
Q1-2025 $277.797B ▲ $-189.151B ▼ $-22.987B ▼ $-394.792B ▼ $-602.301B ▼ $-207.878B ▼
Q4-2024 $281.998M ▲ $1.062B ▼ $-738.957M ▼ $512.489M ▲ $0 $1.026B ▼
Q3-2024 $261.429M $1.085B $2.115B $-3.324B $0 $1.08B

Five-Year Company Overview

Income Statement

Income Statement Banco Santander-Chile has stayed consistently profitable over the past five years, even through a volatile interest-rate and inflation backdrop in Chile. Earnings have generally trended upward, with only a temporary soft patch recently before a strong rebound. Core banking margins look solid, suggesting the bank is earning well on its loan book and services. Overall, the income statement shows a resilient, well-managed bank that can absorb economic swings and still generate healthy profits for shareholders.

Balance Sheet

Balance Sheet The balance sheet looks steady and conservatively built. Total assets have grown over time, equity has increased gradually, and capital levels appear to be strengthening rather than shrinking. Debt is meaningful, as is typical for a bank, but not out of line with its asset base. Cash and liquid resources move around from year to year, yet they remain at a level that suggests a comfortable liquidity position. In simple terms, the bank appears well-capitalized with a balanced funding structure.

Cash Flow

Cash Flow Cash generation has improved markedly. A few years ago, operating cash flow and free cash flow were under pressure, reflecting a period of balance-sheet adjustment and possibly changing interest-rate conditions. More recently, both operating and free cash flow have turned clearly positive, indicating that day-to-day banking operations are now throwing off cash rather than consuming it. Investment spending is relatively modest and stable, which helps support consistent free cash flow. This pattern points to a business that has moved from a more demanding phase into a more cash-productive one.

Competitive Edge

Competitive Edge Banco Santander-Chile holds a leading spot in the Chilean banking system, with strong positions in loans, credit cards, and merchant acquiring. It benefits from the global Santander brand, shared technology, and access to international know-how, which smaller local rivals may find hard to match. Its payments arm, Getnet, has quickly become a key player in card acquiring, reinforcing its ecosystem. The main competitive risks are intense rivalry from other major banks and fast-moving fintechs, plus the usual exposure to Chile’s economic and regulatory environment. Even so, its scale, brand recognition, and efficiency give it a clear structural edge in its home market.

Innovation and R&D

Innovation and R&D The bank is aggressively positioning itself as a digital-first, AI-enabled institution. Large-scale projects like the cloud-based “Project Gravity” and the global “One Santander” platform aim to simplify systems and cut costs. Its collaboration with OpenAI and use of AI copilots for customer interactions, fraud detection, and internal productivity signal a deep push into next-generation banking technology. Programs like Santander Fintech Station, the Más Lucas digital accounts, Work/Café branches, Prospera for micro-entrepreneurs, and Getnet’s payment solutions show a steady stream of product innovation. The opportunity is to translate this into higher loyalty and new revenue streams, while the key risks lie in execution, cybersecurity, and keeping user experiences simple as technology complexity rises.

Summary

Overall, Banco Santander-Chile looks like a mature, profitable bank that has successfully navigated a choppy macro environment while steadily strengthening its financial base. Earnings and cash flow trends have broadly improved, and the balance sheet appears sound and well-capitalized. Competitively, it combines local market leadership with the backing and technology of a global group, plus a strong franchise in payments. Its heavy emphasis on digital transformation, AI, and inclusive banking could support future growth and efficiency, but it also raises execution and technology-related risks. The bank’s future performance will likely hinge on how well it balances innovation with risk control amid Chile’s evolving economic and regulatory conditions.

NEWS

November 19, 2025 · 9:07 AM UTC

Santander Chile proposes to incorporate PagoNxt as a strategic partner of Getnet Chile to strengthen its leadership in the local payments market

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October 30, 2025 · 7:00 AM UTC

Banco Santander-Chile Announces Third Quarter 2025 Earnings

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October 3, 2025 · 11:44 AM UTC

Banco Santander Chile: Third Quarter 2025 Analyst and Investor Webcast / Conference Call

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