Banco Santander Chile SA ADR
Banco Santander Chile SA ADR is an American depositary receipt representing shares of Banco Santander Chile, a major financial institution focused on commercial and retail banking in Chile. Banco Santander Chile provides a broad range of banking products and services for individuals, small and medium-sized businesses, and corporate clients. Its offerings include checking and savings accounts, debit and credit cards, consumer and mortgage loans, auto and commercial financing, foreign exchange services, and wealth management solutions. The bank also serves larger clients through middle-market and corporate and investment banking activities, supporting lending, transactional banking, trade finance, and other financial services. As part of the Santander Group, Banco Santander Chile plays an important role in Chile’s banking sector by combining traditional branch services with digital banking platforms to serve a wide customer base across the country.
$32.70
-$0.12 (-0.37%)
EOD Oct 16, 2026
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
13.1x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
CLP 3.30T
Net Income (TTM)
CLP 1.15T
▲ +103133.1% YoY
Net Margin
34.87%
P/E
13.1x
Balance Sheet
Total Assets
CLP 68.15T
Equity
CLP 5.74T
Total Debt
CLP 13.12T
Cash & Equiv.
CLP 6.64T
3Y CAGR: -89.0%
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Is Banco Santander Chile SA ADR (BSAC) overvalued?
At a P/E of 13.1 and a price-to-free-cash-flow of 14.4, Banco Santander Chile SA ADR (BSAC) trades below a two-stage DCF intrinsic value of about CLP 24,820.47 per share, so at CLP 32.70 the stock looks undervalued (75,803.6% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Banco Santander Chile SA ADR scores 73/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from company filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
What is Banco Santander Chile SA ADR's fair value?+
Intrinsiqq's two-stage DCF estimates an intrinsic value of about CLP 24,820.47 per share for BSAC, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around CLP 18,615.35. At today's CLP 32.70, that puts the stock about 75,803.6% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Is Banco Santander Chile SA ADR a high-quality business?+
Banco Santander Chile SA ADR scores 73 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from company filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Is Banco Santander Chile SA ADR a good stock to buy right now?+
That depends on valuation and quality together, not either alone. BSAC currently trades below its estimated intrinsic value and scores 73/100 on quality (solid). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from company filings, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.