BSAC Stock - Banco Santander-Chile
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $4.90T | $5.22T | $4.72T | $3.37T | $2.68T |
| Gross Profit | $2.09T | $1.59T | $1.85T | $1.97T | $1.56T |
| Gross Margin | 42.6% | 30.4% | 39.1% | 58.5% | 58.3% |
| Operating Income | $1.08T | $691.38B | $901.11B | $1.07T | $695.26B |
| Net Income | $852.96B | $579.43B | $792.28B | $842.47B | $547.61B |
| Net Margin | 17.4% | 11.1% | 16.8% | 25.0% | 20.5% |
| EPS | $1812.00 | $1052.00 | $1680.00 | $1788.00 | $1164.00 |
Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail Banking, Middle-Market, Corporate Investment Banking, and Corporate Activities segments. The company offers debit and credit cards, checking accounts, and savings products; consumer, automobile, commercial, mortgage, and government-guaranteed loans; and Chilean peso and foreign currency denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines, as well as mortgage financing services. It also provides mutual funds, insurance and securities brokerage, foreign exchange, financial leasing, factoring, financial consulting and advisory, investment management, foreign trade, treasury, and transactional services, as well as specialized services to finance projects for the real estate industry. In addition, the company offers short-term financing and fund raising, and brokerage services, as well as derivatives, securitization, and other tailor-made products. It serves individuals, small to middle-sized entities, companies, and large corporations, as well as universities, government entities, and local and regional governments. As of December 31, 2021, the company operated 326 branches, which include 220 under the Santander brand name, 14 under the Select brand name, 7 specialized branches for the middle market, and 22 as auxiliary and payment centers, as well as 1,338 ATMs, including depository ATMs. Banco Santander-Chile was incorporated in 1977 and is headquartered in Santiago, Chile.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| May 1st 2025 | BofA Securities | Downgrade | Underperform | $24 |
| December 16th 2024 | BofA Securities | Downgrade | Neutral | - |
| August 20th 2024 | Goldman | Upgrade | Neutral | $21← $18 |
| June 12th 2024 | Itau BBA | Upgrade | Outperform | $22 |
| December 19th 2023 | HSBC Securities | Downgrade | Hold | - |
| November 2nd 2023 | BofA Securities | Upgrade | Buy | $20← $22 |
| October 16th 2023 | Jefferies | Initiation | Hold | $18.9 |
| January 11th 2023 | Goldman | Downgrade | Sell | - |
| October 26th 2022 | Scotiabank | Upgrade | Sector Outperform | - |
| September 13th 2022 | Citigroup | Downgrade | Neutral | - |
| August 19th 2022 | Credit Suisse | Downgrade | Neutral | - |
| June 30th 2022 | UBS | Upgrade | Neutral | - |
| June 7th 2022 | Itau BBA | Downgrade | Market Perform | $22 |
Earnings History & Surprises
BSACEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 28, 2026 | — | — | — | — |
Q1 2026 | Jan 30, 2026 | $0.58 | — | — | — |
Q4 2025 | Oct 30, 2025 | $0.59 | $0.50 | -15.8% | ✗ MISS |
Q3 2025 | Jul 31, 2025 | $0.62 | $0.60 | -3.2% | ✗ MISS |
Q2 2025 | Apr 30, 2025 | $0.55 | $0.61 | +10.9% | ✓ BEAT |
Q1 2025 | Jan 31, 2025 | $0.66 | $0.61 | -7.6% | ✗ MISS |
Q4 2024 | Oct 30, 2024 | $0.67 | $0.55 | -17.9% | ✗ MISS |
Q3 2024 | Jul 31, 2024 | $0.50 | $0.49 | -2.0% | ✗ MISS |
Q2 2024 | Apr 30, 2024 | $0.36 | $0.27 | -25.0% | ✗ MISS |
Q1 2024 | Feb 2, 2024 | $0.42 | $0.43 | +2.4% | ✓ BEAT |
Q4 2023 | Oct 31, 2023 | $0.44 | $0.14 | -68.2% | ✗ MISS |
Q3 2023 | Aug 4, 2023 | $0.35 | $0.34 | -2.9% | ✗ MISS |
Q2 2023 | Apr 28, 2023 | $0.40 | $0.36 | -10.0% | ✗ MISS |
Q1 2023 | Feb 3, 2023 | $0.31 | $0.24 | -22.6% | ✗ MISS |
Q4 2022 | Oct 28, 2022 | $0.48 | $0.42 | -12.5% | ✗ MISS |
Q3 2022 | Jul 29, 2022 | $0.59 | $0.72 | +22.0% | ✓ BEAT |
Q2 2022 | Apr 29, 2022 | $0.59 | $0.64 | +8.5% | ✓ BEAT |
Q1 2022 | Feb 3, 2022 | $0.60 | $0.58 | -3.3% | ✗ MISS |
Q4 2021 | Oct 29, 2021 | $0.56 | $0.55 | -1.8% | ✗ MISS |
Q3 2021 | Jul 29, 2021 | $0.52 | $0.54 | +3.8% | ✓ BEAT |
Latest News
UBS Maintains Neutral on Banco Santander Chile, Raises Price Target to $29
➖ NeutralCORRECTION: Banco Santander Chile Q3 EPS $0.50 Misses $0.57 Estimate, Sales $603.873M Miss $762.390M Estimate
📉 NegativeBanco Santander Chile Q3 EPS $0.73 Beats $0.57 Estimate, Sales $603.873M Miss $762.390M Estimate
➖ NeutralJP Morgan Maintains Neutral on Banco Santander Chile, Raises Price Target to $30
➖ NeutralFrequently Asked Questions about BSAC
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