Stock analysis · Bull Rankings model

BSAC analysis

Banco Santander-ChileBanks - Regional. Scored on the same transparent 7-signal model behind the daily rankings.

BSAC
Banco Santander-Chile · Banks - Regional
Rev+9.9%B
P/E14.6xB
ROE23.6%A-
P/B1.38B+
Yield4.4%B+
82.6Financial strength
$33.72$15.9B
1Y Target$33.95Analyst consensus · 11 analysts
5Y Target$42.86Compound horizon
10Y Target$54.96Long-dated conviction
Rev+9.9%
B
Revenue +9.9% — at or above S&P median
P/E14.6x
B
P/E 14.6 — near the Financial Services median (≈60th pctile)
ROE23.6%
A-
ROE 23.6% — Buffett's preferred bar (>20%)
P/B1.38
B+
P/B 1.38 — reasonable for a quality bank
Yield4.4%
B+
Yield 4.4% — healthy income

Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.

Financial strength · 82.6 / 100
Profitability0.94
Value (P/B)0.70
Income0.78

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 rangeNear 52-week high
11% off the 12-month high
Why now
Banks - Regional · market cap $15.9b. 11% off the 52-week high of $37.72. 11 sell-side analysts rate this a Hold with a mean 1-yr target of $33.95 (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.
Horizon
1-3 yr $33.95 (11-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $42.86 at ~5% CAGR — dividend + buyback compounding. 10 yr $54.96 if the moat survives secular pressure.
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.

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

Shares to buy
59
Position size
$1,989
4.0% of portfolio
Stop price
$25.29
25% below $33.72
$ at risk if stopped
$497.37
budget $500.00 · 1% of portfolio

Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.

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 ROE (A-), P/B (B+) and Yield (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 ROE (A-), P/B (B+) and Yield (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 ROE (A-), P/B (B+) and Yield (B+).

Is BSAC overvalued or undervalued?

We don't compute a reliable discounted-cash-flow value for BSAC — typically because it is not yet consistently profitable or free-cash-flow positive — so its valuation rests on growth and price-to-sales rather than on earnings-based intrinsic value. Judge it on the trajectory of the business, not a single multiple.

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? The guides explain free cash flow, how the score works, and more in the learn hub — or run another name through the screener.

Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.

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