Verdict: Side-by-side breakdown using the Bull Rankings model. BSAC scored 75.0, FLG scored 71.0 — BSAC leads.
Compare another set
BSAC
Banco Santander-Chile
Banks - Regional · Financial strength
84.2Fin
$32.22 · $15.2B
fundamentals as of
Strength gap
44.3
BSAC leads
FLG
Flagstar Bank, National Association
Banks - Regional · Financial strength
39.9Fin
$11.32 · $4.7B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
Fastest growthBSAC+20.2%
Side by side · every name on one set of axes
Fundamentals, head-to-head
BSAC
FLG
+20.2%A-
Rev
-20.2%F
12.4xB
P/E
—
23.6%A-
ROE
0.6%C
1.32B+
P/B
0.62A
4.6%B+
Yield
0.3%C
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
BSACBanco Santander-Chile
Banks - Regional · $32.22 · beta 0.23
Why now
Banks - Regional · market cap $15.2b. 15% 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 $34.95 (implying +8% upside).
Moat
Net margin 47% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 24% is above 15% — 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.
FLGFlagstar Bank, National Association
Banks - Regional · $11.32 · beta 1.05
Why now
Banks - Regional · market cap $4.7b. Down 27% from 52-week high of $15.44 — deep drawdown territory. Revenue -20% — in contraction; any catalyst that reverses this triggers re-rating. PEG 0.78 — paying under fair value for the growth rate. 17 sell-side analysts rate this a Buy with a mean 1-yr target of $15.59 (implying +38% upside).
Moat
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
Revenue contracting -20% — the operational turn is not yet visible in the top line. Net margin 2.4% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first. ROE 1% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Common questions
Is BSAC or FLG the better stock?
BSAC scores higher: BSAC 75.0, FLG 71.0 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
How are BSAC and FLG scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.