Obermatt

Banco Santander-Chile

SGO:BSANTANDER · CLP1506A1070
BanksSmall

360

47
Profit price31
Cash yield57
Price/Sales49
EV / Gross Profit9
Price/Book10
Returns on capital34
Profit margins
Cash Conversion74
Accruals92
Owner Earnings Margin90
Sales growth44
Profit Growth59
Long-Term EPS Growth60
Owner Earnings Growth15
Reinvestment21
Price momentum30
Debt load36
Debt serviceability90
Liquidity1
Analyst ratings31
Opinion Changes50
Price Target Upside39
Market mood47
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Banco Santander-Chile clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountrySpain
IndustryBanks
SizeSmall
TypePublic Company
ExchangeSNSE
Founded1977
Employees4,510
ISINCLP1506A1070
Last UpdateApr 2, 2026

Description

Banco Santander-Chile provides a broad range of commercial and retail banking services to its customers, including Chilean peso and foreign currency denominated loans to finance a variety of commercial transactions, trade, foreign currency forward co…

Analysis

Beloved champion

Banco Santander-Chile sits in the top corner of our grid: excellent business, premium price; every investor already knows the story.

On valuation, the picture is attractive. The owner-earnings multiple stands at 13.8×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 1% a year, against analyst forecasts of 9%. The price, in other words, assumes less than the experts do.

Growth is solid; the safety picture is stretched. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
12
2023202420252026

All-time high

76

Dec 2025

All-time low

3

Jan 2024

Average rank

33

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
49
20
22
25
Price/Earnings
70
21
23
29
Price/Book
10
13
19
19
Dividend Yield
57
54
44
56
Value (overall)
38
21
23
21

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →