COMPARE · Data as of August 28, 2026
BCH vs BSAC
Verdict: Side-by-side breakdown using the Bull Rankings model. BCH scored 64.0, BSAC scored 75.0 — BSAC leads.
Compare another set
BCH
Banco de Chile
84.7Fin
$41.70 · $21.1B
fundamentals as of
Strength gap
2.7
BCH leads
BSAC
Banco Santander-Chile
82Fin
$35.14 · $16.6B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestBSAC13.4x
- Fastest growthBSAC+20.2%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
BCH
BSAC
-1.6%D+
Rev
+20.2%A-
15.8xC+
P/E
13.4xB
21.6%A-
ROE
23.6%A-
0.74A
P/B
1.43B+
5.3%A-
Yield
4.2%B+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
BCHBanco de Chile
Why now
Banks - Regional · market cap $21.1b. 11% off the 52-week high of $46.77. 12 sell-side analysts rate this a Hold with a mean 1-yr target of $39.88 (implying -4% upside).
Moat
Net margin 45% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 22% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Dividend payout 85% of earnings on a 5.3% yield — distribution coverage is thin; one earnings stumble could force a dividend cut. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
BSACBanco Santander-Chile
Why now
Banks - Regional · market cap $16.6b. 7% off the 52-week high of $37.72. Revenue growing +20%, comfortably above the S&P median. 11 sell-side analysts rate this a Hold with a mean 1-yr target of $35.34 (implying +1% upside).
Moat
Net margin 47% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 24% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Credit-cycle exposure — provisions tend to lag actual loan deterioration by 2-3 quarters; a sharp uptick in net charge-offs is a leading indicator the market often misses until it's already priced.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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