BSAC:NYE-Banco Santander-Chile (USD)

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 20.57

Change

-0.72 (-3.38)%

Market Cap

USD 10.08B

Volume

0.25M

Average Target Price

USD 27.00 (+31.26%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail Banking, Middle-Market, and Corporate Investment Banking 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. It also provides mutual funds, insurance and stock brokerage, foreign exchange, leasing, factoring, financial consulting, investment management, foreign trade and mortgage financing, 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, 2020, the company operated 358 branches, which include 220 under the Santander brand name, 19 under the Select brand name, 32 specialized branches for the middle market, and 28 as auxiliary and payment centers, as well as 1,199 ATMs. Banco Santander-Chile was incorporated in 1977 and is headquartered in Santiago, Chile.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-06-18 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDB HDFC Bank Limited

-0.06 (-0.08%)

USD112.37B 39.03 N/A
USB-PH U.S. Bancorp

+0.01 (+0.04%)

USD102.67B 6.58 N/A
USB-PP U.S. Bancorp

-0.05 (-0.18%)

USD89.19B 7.50 N/A
USB U.S. Bancorp

-0.98 (-1.76%)

USD87.06B 16.71 N/A
USB-PO U.S. Bancorp

N/A

USD81.31B 8.27 N/A
USB-PM U.S. Bancorp

+0.04 (+0.15%)

USD79.13B 6.92 N/A
PNC The PNC Financial Services Gro..

-4.12 (-2.26%)

USD77.52B 9.54 N/A
BSBR Banco Santander (Brasil) S.A

-0.21 (-2.35%)

USD66.75B 12.38 N/A
ITUB Itaú Unibanco Holding S.A

-0.17 (-2.61%)

USD63.92B 15.27 N/A
IBN ICICI Bank Limited

-0.27 (-1.58%)

USD60.42B 18.00 N/A

ETFs Containing BSAC

Symbol Name Weight Mer Price(Change) Market Cap
FNDF Schwab Fundamental Intern.. 0.00 % 0.25 %

-0.85 (-2.49%)

USD6.40B
VRIG Invesco Variable Rate Inv.. 0.00 % 0.30 %

N/A

USD0.47B

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 8.32% 50% F 49% F
Dividend Return 4.89% 99% A+ 95% A
Total Return 13.21% 56% F 61% D-
Trailing 12 Months  
Capital Gain 19.80% 37% F 37% F
Dividend Return 8.12% 98% A+ 86% B
Total Return 27.92% 43% F 42% F
Trailing 5 Years  
Capital Gain 9.18% 33% F 39% F
Dividend Return 27.14% 92% A- 81% B-
Total Return 36.32% 40% F 44% F
Average Annual (5 Year Horizon)  
Capital Gain 1.76% 60% D- 41% F
Dividend Return 3.85% 94% A 76% C
Total Return 5.61% 69% D+ 46% F
Risk Return Profile  
Volatility (Standard Deviation) 33.63% 31% F 31% F
Risk Adjusted Return 16.67% 46% F 29% F
Market Capitalization 10.08B 66% D 81% B-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 10.65 64% D 77% C+
Price/Book Ratio 2.05 16% F 50% F
Price / Cash Flow Ratio -0.01 91% A- 83% B
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 15.55% 71% C- 68% D+
Return on Invested Capital -0.81% 27% F 24% F
Return on Assets 0.99% 41% F 31% F
Debt to Equity Ratio 401.79% 2% F 7% F
Technical Ratios  
Short Ratio 1.86 77% C+ 56% F
Short Percent 0.78% 73% C 82% B-
Beta 0.52 96% A 82% B-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.