Banco Santander - Chile ADS (BSAC)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I'd start with the business: Banco Santander-Chile is a Chilean retail and commercial bank with 8,526 employees, earning from loans, deposits, cards, wealth and insurance. At the 2026-10-26 close of $31.66, FairStock's P/E is 12.22 and P/B is 1.30; with a FairStock ROE of 23.31%, that book multiple is not demanding if those returns persist. The 4.68% dividend yield and 0.23 beta give it a defensive, income-oriented profile, and a Piotroski F-Score of 7/9 suggests reasonable accounting momentum. The latest filed quarter shown, fiscal Q2 2026, had revenue of $831.7B, net income of $382.6B and a 46.00% margin. The provided growth figures look strong, but the period label is not given, so I would confirm that before treating it as durable. A PEG of 0.30 is superficially attractive, but bank earnings are cyclical. On health, D/E is N/A and the bank-specific CET1, NIM, combined ratio and credit-cost/underwriting measures are absent, so I cannot fully judge leverage or credit risk. The FairStock score is 65/100, and the Lynch category is none because only 0 years of filed results are available, needing 3; I would not force another label. Chile's regulated banking market gives scale some advantage, but I do not see a wide moat from these figures.

In plain English: Banco Santander-Chile is a Chilean bank that offers checking accounts, cards, loans and other banking services to individuals and companies. The business looks profitable and is growing, with high returns on shareholder money. Based on the numbers provided, the shares look roughly fairly priced rather than clearly cheap or expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer