Bull Rankings model

Banco Santander-Chile (BSAC) stock analysis

Banks - Regional. Scored on the same transparent model behind the daily rankings.

★
BSAC
Banco Santander-Chile · Banks - Regional
84.1Financial strength
$32.18Oct 13 close$15.2B
1Y Target$34.95Analyst consensus · 11 analysts
5Y Target$51.18Compound horizon
10Y Target$75.92Long-dated conviction
Rev+20.2%
A-
Revenue +20.2% — strong growth, well above S&P median (~7%)
P/E12.4x
B
P/E 12.4 — near the Financial Services median (≈60th pctile)
ROE23.6%
A-
ROE 23.6% — a high bar (above 20%)
P/B1.32
B+
P/B 1.32 — reasonable for a quality bank
Yield4.6%
B+
Yield 4.6% — healthy income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 84.1 / 100
Profitability93.6
Value (P/B)72.2
Income81.3

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeMid-range
15% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

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 +9% 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.
Horizon
1-3 yr $34.95 (11-analyst consensus) — fundamentals + valuation re-rating. 5 yr $51.18 at ~10% CAGR — compounding case rests on the competitive position widening. 10 yr $75.92 if current growth sustains into durable earnings power.

Not enough history yet — the model records BSAC's score after each daily run, and the chart appears once a few days have accumulated.

BSAC at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY94VALUE72COVERED INCOME8184.1/100 on our peer scale — not the quality-growth score.
ONE-YEAR MOVE VS ITS BETAFLATThis stock+20%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.
PRICE IN ITS 52-WEEK RANGE$32.2LOW $26.9HIGH $37.7Trading at the 49th percentile of its 52-week range ($26.9–$37.7).

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+0.0%
90-day change-2.9%
Forward EPS estimate$3.04

Over the last 90 days, what analysts expect BSAC to earn is drifting lower (-2.9%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
62
Position size
$1,995
4.0% of portfolio
Stop price
$24.13
25% below $32.18
$ at risk if stopped
$498.79
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Banco Santander-Chile (BSAC): score, valuation & FAQ

Banco Santander-Chile (BSAC) is a Banks - Regional company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are Rev (A-), ROE (A-) and P/B (B+).

Is BSAC a good stock to buy?

Bull Rankings grades BSAC on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by Rev (A-), ROE (A-) and P/B (B+). A score is a quantitative screen of Banco Santander-Chile's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade BSAC?

As a bank, insurer or REIT, BSAC isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on Rev (A-), ROE (A-) and P/B (B+).

Is BSAC overvalued or undervalued?

We don't publish a discounted-cash-flow value for BSAC, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. BSAC is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in BSAC?

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.

New to these metrics? See the guides and the methodology.

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