Banco Santander-Chile (BSANTANDER.SN) stock analysis

In our weekly check, Banco Santander-Chile is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6.

About Banco Santander-Chile

Banco Santander-Chile is a Financial Services company (Banks - Regional) based in Chile, listed on SGO as BSANTANDER.SN.

What our checks show for BSANTANDER.SN

Red flags

• Analysts expect revenue to shrink about 10.6% a year.
• Revenue fell 1.5% a year over the last 3 years.
• Recovering from its deepest fall took about 4.9 years.
• Return on capital (ROCE) is only 1.7%.

Warning signs

• Operating cash flow is only 0.66x net profit: part of the reported profit does not arrive as cash.
• The stock has fallen as much as 52% from a peak. Would you have held through that?

Strengths

• The gross margin is 61.2% and has risen by 2.7 points: pricing power is holding.
• Analysts expect earnings per share to grow about 10.7% a year over the next years.
• Analysts expect the net margin to improve by 15 points from today's 24.8%.
• Earnings per share grew 11.4% a year over the last 3 years.
• Net profit grew 12.1% a year over the last 3 years.
• The company keeps 24.8% of its revenue as net profit.

Next earnings report: 2027-01-29

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Questions

What grade does Banco Santander-Chile (BSANTANDER.SN) have?

In our weekly check, Banco Santander-Chile is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BSANTANDER.SN stock?

This week's biggest flags for Banco Santander-Chile: Weak revenue forecast, Weak revenue growth, Slow recovery after falls. In total 8 of 25 checks show a warning or a red flag.

What does Banco Santander-Chile do?

Banco Santander-Chile is a Financial Services company (Banks - Regional) based in Chile, listed on SGO as BSANTANDER.SN.

When does Banco Santander-Chile report earnings next?

The next earnings report is expected on 2027-01-29. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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