COMPARE · Data as of August 28, 2026
BSAC vs IFS
Verdict: Side-by-side breakdown using the Bull Rankings model. BSAC scored 75.0, IFS scored 77.0 — IFS leads.
Compare another set
BSAC
Banco Santander-Chile
82Fin
$35.14 · $16.6B
fundamentals as of
Strength gap
8.7
BSAC leads
IFS
Intercorp Financial Services Inc.
73.3Fin
$54.65 · $6.0B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestIFS10.0x
- 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
BSAC
IFS
+20.2%A-
Rev
+5.7%C+
13.4xB
P/E
10.0xA-
23.6%A-
ROE
17.2%B+
1.43B+
P/B
1.60B
4.2%B+
Yield
3.3%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
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.
IFSIntercorp Financial Services Inc.
Why now
Banks - Regional · market cap $6.0b. 11% off the 52-week high of $61.38. PEG 0.68 — paying under fair value for the growth rate. 3 sell-side analysts publish a mean 1-yr target of $68.05 (implying +25% upside).
Moat
Net margin 36% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 17% 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
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.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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