COMPARE · Data as of August 28, 2026
BSAC vs INTR
Verdict: Side-by-side breakdown using the Bull Rankings model. BSAC scored 75.0, INTR scored 88.0 — INTR leads.
Compare another set
Different reporting periods. INTR's fundamentals are as of June 2026, but BSAC's are as of March 2026 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
BSAC
Banco Santander-Chile
82Fin
$35.14 · $16.6B
fundamentals as of
Strength gap
9.2
BSAC leads
INTR
Inter & Co, Inc.
72.8Fin
$5.38 · $2.4B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestINTR8.3x
- Fastest growthINTR+31.3%
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
INTR
+20.2%A-
Rev
+31.3%A
13.4xB
P/E
8.3xA-
23.6%A-
ROE
16.2%B+
1.43B+
P/B
1.16B+
4.2%B+
Yield
2.0%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.
INTRInter & Co, Inc.
Why now
Banks - Regional · market cap $2.4b. Down 48% from 52-week high of $10.36 — deep drawdown territory. Revenue growing +31% — in hypergrowth territory. PEG 0.29 — paying under fair value for the growth rate. 10 sell-side analysts rate this a Buy with a mean 1-yr target of $8.75 (implying +63% upside).
Moat
Net margin 23% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 16% 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
Down 48% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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