Banco Santander Chile (BSANTANDER) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Banco Santander Chile CLP 56, price CLP 79, upside -29.2%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range 25.52 CLP – 83.88 CLP · fair‑value band 41.82 CLP – 69.71 CLP · the 78.80 CLP price screens above the 55.77 CLP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
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Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other segments.
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Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other segments. The company provides checking accounts and savings products; debit and credit cards; consumer, auto, 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 offers mutual fund management, insurance and securities brokerage, foreign exchange services, financial leasing, financial consulting and advisory, investment management, foreign trade, leasing, factoring, treasury, and transactional services, as well as specialized services to finance residential projects. In addition, the company offers short-term financing and funding, and brokerage services, as well as derivatives, securitization, and other products; and manages capital allocations. Further, it provides health, life, travel, automobile, and unemployment insurance products; personal and corporate protection products; guarantees; international investment accounts, structured funds, and alternative investment funds; and wealth management and open architecture, asset management, and private banking services. It serves individuals, small to middle-sized companies, and other companies, as well as universities, government agencies, municipalities, regional governments, and construction and real estate companies. The company was incorporated in 1977 and is headquartered in Santiago, Chile. Banco Santander-Chile is a subsidiary of Banco Santander, S.A.
Stock analysis
Banco Santander Chile (BSANTANDER) currently trades at 78.80 CLP, while our model-based Fair Value estimate is 55.77 CLP, 29.2% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 44.42 CLP per share, and 0 of the 4 models we run sit above the 78.80 CLP price.
Bear case: the Asset-Based group reads lowest at 19.97 CLP, and 4 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 41.82 CLP (bear) to 69.71 CLP (bull), the price of 78.80 CLP sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Banco Santander Chile reported revenue of 2.9T CLP in FY2025 versus 2.3T CLP in FY2021, a compound +5.8%/yr. Reported net income was 1.0T CLP in FY2025, compounding +4.9%/yr from FY2021.
Key figures
Market cap 14.8T CLP (≈ $15.0B) · P/E ratio 14.6 · P/S ratio 5.25 · EPS (TTM) 5.38 CLP · Dividend yield 4.3% · Net margin 35.8% · Return on equity 22.1% · Return on assets (EBIT) 1.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 44 out of 100 (medium confidence).
What moves the price
The share trades about 6% below its 52-week high and 31% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −29%, BSANTANDER screens cheaper than that median.
Fair Value models
Bear 41.82 CLPFair Value 55.77 CLPBull 69.71 CLP
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (1.53 CLP per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.51/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+9.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.9%
Start year 2020 (pandemic). Over 10 years: +8.6% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.6%
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What shareholders gained per year (last 5 years), in CLP ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted. Measured in CLP: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+15.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.1%
Dividend (yield on the price)4.3%
Profit margin 2015 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.43% → 37%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside−29.6% · Below median
Profitability
Return on equity (TTM)22.1% · Top 25%
Return on assets1.5% · Top 25%
Net margin (TTM)44.8% · Top 25%
Operating margin (TTM)60.2% · Top 25%
Growth and dividend
Revenue growth−2.6% · Bottom 25%
Dividend yield (TTM)4.3% · Top 25%
Balance sheet
Debt / equity2.33× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)14.6× · Priciest 25%
P/B2.68× · Priciest 25%
P/S (TTM)6.63× · Priciest 25%
PEG2.44× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 12
FUTURE (revenue growth)0· sector 47
PAST (return on equity)88· sector 41
HEALTH (low debt)0· sector 84
DIVIDEND (yield)85· sector 52
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Banco Santander Chile (BSANTANDER) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of 55.77 CLP versus a price of 78.80 CLP, about −29% upside (overvalued).
What is the fair value of BSANTANDER?
Our model-based fair value for Banco Santander Chile is 55.77 CLP (as of Oct 3, 2026), built from audited fundamentals. The current price: 78.80 CLP.
What is the quality score of BSANTANDER?
Banco Santander Chile has a Quality Score of 45/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Banco Santander Chile (BSANTANDER)?
Our model-based price target is the fair value of 55.77 CLP (as of Oct 3, 2026) from 4 valuation models. Cautious scenario 41.82 CLP, optimistic scenario 69.71 CLP. It is a calculation from audited fundamentals, not an analyst target.
What is the Banco Santander Chile stock forecast for 2026?
Our models put fair value at 55.77 CLP, about −29% upside versus a price of 78.80 CLP (overvalued). Cautious scenario 41.82 CLP, optimistic scenario 69.71 CLP. The calculation is refreshed regularly with new filings.
What is the revenue of Banco Santander Chile (BSANTANDER)?
Banco Santander Chile reported trailing-twelve-month revenue of about 2.3T CLP (latest available figure, as of Oct 3, 2026).
Does Banco Santander Chile pay a dividend?
Banco Santander Chile currently shows a dividend yield of about 4.26% relative to its recent price (as of Oct 3, 2026).
What is the intrinsic value of Banco Santander Chile (BSANTANDER)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banco Santander Chile it is 55.77 CLP per share (as of Oct 3, 2026), against a price of 78.80 CLP. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Banco Santander Chile stock overvalued or undervalued in 2026?
As of Oct 3, 2026, BSANTANDER trades above its calculated fair value: price 78.80 CLP, fair value 55.77 CLP, a gap of about −29% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BSANTANDER?
No. The price is what the market pays today (78.80 CLP); the fair value is what the company's own numbers justify (55.77 CLP). For Banco Santander Chile the two are 23.03 CLP per share apart. That gap is exactly why we show both numbers side by side.
How much is Banco Santander Chile worth?
The market values Banco Santander Chile at about 14.8T CLP (market capitalisation, as of Oct 3, 2026). Per share that is 78.80 CLP; our models calculate a fair value of 55.77 CLP per share.
What do the bullish and bearish scenarios say about BSANTANDER?
Our models span a range for Banco Santander Chile: cautious scenario 41.82 CLP, base 55.77 CLP, optimistic 69.71 CLP per share (as of Oct 3, 2026, price 78.80 CLP). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BSANTANDER?
Banco Santander Chile trades at a price-to-earnings ratio of 14.6 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 55.77 CLP is built from several models across several years. Other multiples: PEG 2.4, P/B 2.7, P/S 6.6.
What is the PEG ratio of BSANTANDER?
The PEG ratio of Banco Santander Chile is 2.44 (P/E divided by earnings growth, as of Oct 3, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Banco Santander Chile (BSANTANDER)?
Balance-sheet figures for Banco Santander Chile (as of Oct 3, 2026): return on equity 22.1%, debt of 2.33 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is BSANTANDER from its 52-week high?
Banco Santander Chile trades at 78.80 CLP, about 6% below its 52-week high of 83.88 CLP and 31% above the low of 60.22 CLP (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 55.77 CLP is for.
Which stocks are comparable to Banco Santander Chile?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Banco Santander Chile stock attractive at the current price?
The data as of Oct 3, 2026: price 78.80 CLP, calculated fair value 55.77 CLP (−29%), Quality Score 45/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BSANTANDER calculated?
We run Banco Santander Chile through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 55.77 CLP, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Banco Santander Chile itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Banco Santander Chile (BSANTANDER)?
The closing price on Oct 2, 2026 was 78.80 CLP. Our model-based fair value is 55.77 CLP, about −29% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banco Santander Chile right now?
The price sits above even our optimistic bull case (69.71 CLP). The favourable scenario is already priced in. Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Banco Santander Chile
How large is the market capitalisation of Banco Santander Chile (BSANTANDER)?
The market capitalisation of Banco Santander Chile is 14.8T CLP (≈ $15.0B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Banco Santander Chile (BSANTANDER)?
The price-to-sales ratio of Banco Santander Chile is 5.25 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Banco Santander Chile (BSANTANDER)?
Earnings per share at Banco Santander Chile are 5.38 CLP (price ÷ EPS = P/E 14.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banco Santander Chile (BSANTANDER)?
The dividend yield of Banco Santander Chile is 4.3% (payout 62.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Banco Santander Chile (BSANTANDER)?
The net margin of Banco Santander Chile is 35.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Banco Santander Chile (BSANTANDER)?
The return on equity (ROE) of Banco Santander Chile is 22.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Banco Santander Chile (BSANTANDER)?
On an EBIT basis the return on assets of Banco Santander Chile is 1.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Banco Santander Chile (BSANTANDER)?
The operating margin of Banco Santander Chile is 60.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banco Santander Chile (BSANTANDER)?
Revenue at Banco Santander Chile is growing −2.6% versus a year earlier (3y avg +9.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Banco Santander Chile (BSANTANDER)?
Earnings per share at Banco Santander Chile are growing −1.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banco Santander Chile (BSANTANDER) generate?
The free cash flow of Banco Santander Chile is −82.1B CLP (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Banco Santander Chile (BSANTANDER) carry?
The net debt of Banco Santander Chile is 7.8T CLP (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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