Banco Santander-Chile
Banco Santander-Chile Fundamental Analysis
Banco Santander-Chile (BSAC) shows strong financial fundamentals with a PE ratio of 12.66, profit margin of 21.11%, and ROE of 20.90%. The company generates $4818.5B in annual revenue with weak year-over-year growth of 1.20%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 57.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
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
ModerateBSAC shows balanced financial health with some risks.
Profitability Score
ExcellentBSAC achieves industry-leading margins.
Key Financial Metrics
Is BSAC Expensive or Cheap?
P/E Ratio
BSAC trades at 12.66 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BSAC's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values Banco Santander-Chile at 2.72 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -23.84 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 $21.11 as profit after all expenses.
Operating Margin
Core operations generate 25.89 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $20.90 in profit for every $100 of shareholder equity.
ROA
Banco Santander-Chile generates $1.46 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Banco Santander-Chile produces operating cash flow of $862.47B, showing steady but balanced cash generation.
Free Cash Flow
Banco Santander-Chile generates strong free cash flow of $767.73B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1629.61 in free cash annually.
FCF Yield
BSAC converts 5.97% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.66
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.004
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.72
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.67
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
10.06
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.20
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.21
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How BSAC Stacks Against Its Sector Peers
| Metric | BSAC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.66 | 18.83 | Better (Cheaper) |
| ROE | 20.90% | 822.00% | Weak |
| Net Margin | 21.11% | 2005.00% | Weak |
| Debt/Equity | 10.06 | 1.01 | Weak (High Leverage) |
| Current Ratio | 1.20 | 673.11 | Neutral |
| ROA | 1.46% | -23560.00% (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
222.74%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
86.56%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
190.41%
Industry Style: Value, Dividend, Cyclical
High Growth