Banco Santander-Chile
Banco Santander-Chile Fundamental Analysis
Banco Santander-Chile (BSAC) shows strong financial fundamentals with a PE ratio of 13.99, profit margin of 26.96%, and ROE of 23.11%. The company generates $3906.7B in annual revenue with weak year-over-year growth of -6.10%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 43.9/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BSAC's fundamental strength across five key dimensions:
Efficiency Score
WeakBSAC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBSAC trades at attractive valuation levels.
Growth Score
ModerateBSAC shows steady but slowing expansion.
Financial Health Score
WeakBSAC carries high financial risk with limited liquidity.
Profitability Score
ExcellentBSAC achieves industry-leading margins.
Key Financial Metrics
Is BSAC Expensive or Cheap?
P/E Ratio
BSAC trades at 13.99 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BSAC's PEG of -0.01 indicates potential undervaluation.
Price to Book
The market values Banco Santander-Chile at 3.12 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 6.03 times EBITDA. This is generally considered low.
How Well Does BSAC Make Money?
Net Profit Margin
For every $100 in sales, Banco Santander-Chile keeps $26.96 as profit after all expenses.
Operating Margin
Core operations generate 33.59 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $23.11 in profit for every $100 of shareholder equity.
ROA
Banco Santander-Chile generates $1.55 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Banco Santander-Chile generates strong operating cash flow of $1.25T, reflecting robust business health.
Free Cash Flow
Banco Santander-Chile generates strong free cash flow of $1.21T, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2576.75 in free cash annually.
FCF Yield
BSAC converts 8.21% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.99
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.01
vs 25 benchmark
P/B Ratio
Price to book value ratio
3.12
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.77
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.18
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.23
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How BSAC Stacks Against Its Sector Peers
| Metric | BSAC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.99 | 18.86 | Better (Cheaper) |
| ROE | 23.11% | 847.00% | Weak |
| Net Margin | 26.96% | 4202.00% | Weak |
| Debt/Equity | 2.18 | 0.91 | Weak (High Leverage) |
| Current Ratio | 0.00 | 667.17 | Weak Liquidity |
| ROA | 1.55% | -21543.00% (disorted) | Weak |
BSAC outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Banco Santander-Chile's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
156.78%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
37.78%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-73.91%
Industry Style: Value, Dividend, Cyclical
Declining