Banco Santander Chile - Understand $bsac stock

$BSAC Market Cap: $8.891 Trillion

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Financial Snapshot

Revenue

Gross Margin

Net Earnings

$481.0B

TTM

Current Assets

Current Liabilities

$13470B

Q1 2024

Current Ratio

Total Assets

$74780B

Q1 2024

Total Liabilities

$70620B

Q1 2024

Book Value

$4163B

Q1 2024

Cash

P/E

18.49

Nov 29, 2024 EST

Free Cash Flow

-$209.1B

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue
YoY Change

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Selling, General & Admin	320.1B clps	310.2B clps	280.1B clps	250.5B clps
YoY Change	3.19%	10.74%	11.85%
% of Gross Profit
Research & Development	1.791B clps	2.583B clps	2.305B clps	1.559B clps
YoY Change	-30.66%	12.06%	47.85%
% of Gross Profit
Depreciation & Amortization	$143.8B	$130.0B	$122.1B	$109.4B	$106.1B	$79.28B	$77.82B	$65.36B	$53.61B	$44.17B	$61.07B	$56.37B	$53.47B	$49.40B	$46.62B	$47.63B	$45.74B	$41.49B	$40.08B	$40.13B	$41.16B	$39.73B	$17.31B	$14.01B	$13.61B	$11.27B	$11.25B	$5.372B
YoY Change	10.59%	6.5%	11.54%	3.14%	33.82%	1.87%	19.07%	21.91%	21.38%	-27.67%	8.35%	5.43%	8.22%	5.96%	-2.11%	4.12%	10.26%	3.51%	-0.11%	-2.51%	3.6%	129.55%	23.54%	2.93%	20.72%	0.21%	109.42%	24.44%
% of Gross Profit
Operating Expenses	321.9B clps	312.8B clps	282.4B clps	252.0B clps
YoY Change	2.91%	10.75%	12.07%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2022	2021	2020
Interest Expense	2517B clps	1110B clps	638.5B clps
YoY Change	126.77%	73.81%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Pretax Income	$567.2B	$913.3B	$979.6B	$653.7B	$702.6B	$762.2B	$720.9B	$581.8B	$527.4B	$601.9B	$538.5B	$443.7B	$523.5B	$558.2B	$525.2B	$482.7B	$398.4B	$369.5B	$295.8B	$253.8B	$245.1B	$177.5B	$118.6B	$94.42B	$45.12B	$70.26B	$65.44B	$35.63B
YoY Change	-37.9%	-6.77%	49.86%	-6.97%	-7.81%	5.73%	23.9%	10.31%	-12.37%	11.76%	21.38%	-15.24%	-6.22%	6.29%	8.79%	21.17%	7.81%	24.92%	16.57%	3.54%	38.07%	49.62%	25.65%	109.24%	-35.77%	7.36%	83.64%	113.63%
Income Tax	$56.34B	$89.43B	$194.7B	$131.1B	$150.2B	$165.9B	$143.6B	$107.1B	$75.30B	$45.55B	$94.47B	$51.10B	$83.45B	$78.96B	$88.86B	$60.09B	$60.08B	$62.53B	$50.89B	$47.58B	$44.76B	$27.70B	-$3.645B	$424.0M	-$5.447B	$403.0M	$478.0M	$120.0M
% Of Pretax Income	9.93%	9.79%	19.87%	20.06%	21.37%	21.77%	19.92%	18.41%	14.28%	7.57%	17.54%	11.52%	15.94%	14.15%	16.92%	12.45%	15.08%	16.92%	17.2%	18.75%	18.26%	15.6%	-3.07%	0.45%	-12.07%	0.57%	0.73%	0.34%
Net Earnings	593.8B clps	807.5B clps	$775.0B	$517.4B	$552.1B	$591.9B	$564.8B	$472.4B	$448.9B	$550.3B	$441.9B	$388.0B	$435.1B	$477.2B	$431.3B	$415.1B	$336.1B	$306.8B	$244.8B	$206.0B	$200.1B	$149.6B	$122.3B	$93.95B	$50.53B	$69.81B	$64.91B	$35.53B
YoY Change	-26.46%	4.2%	49.77%	-6.28%	-6.73%	4.8%	19.58%	5.23%	-18.43%	24.53%	13.91%	-10.83%	-8.82%	10.64%	3.9%	23.5%	9.54%	25.34%	18.84%	2.92%	33.77%	22.36%	30.15%	85.94%	-27.62%	7.56%	82.69%	113.21%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share	$2.63	$4.29	$4.112M	$2.746M	$2.930M	$3.141M	$2.997M	$2.507M	$2.382M	$2.920M	$2.345M	$2.059M	$2.309M	$2.532M	$2.288M	$2.203M	$1.783M	$1.628M	$1.299M	$1.093M	$1.062M	$794.0K	$1.236M	$949.7K	$510.7K	$705.7K	$656.1K	$359.1K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$352.3B	$371.9B	$374.8B	$388.9B	$408.3B	$253.6B	$242.5B	$257.4B	$240.7B	$211.6B	$180.2B	$162.2B	$153.1B	$155.0B	$184.1B	$200.4B	$267.5B	$248.6B	$226.1B	$221.6B	$214.2B	$214.9B	$142.2B	$126.0B	$113.6B	$110.5B	$106.7B	$52.33B
YoY Change	-5.28%	-0.78%	-3.61%	-4.77%	61.02%	4.55%	-5.76%	6.95%	13.75%	17.39%	11.1%	5.98%	-1.24%	-15.82%	-8.12%	-25.08%	7.6%	9.95%	2.01%	3.45%	-0.33%	51.13%	12.89%	10.93%	2.79%	3.54%	103.88%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$55.28B	$46.59B	$35.93B	$10.77B	$10.47B	$32.29B	$27.59B	$23.78B	$20.31B	$17.91B	$9.681B	$7.614B	$8.728B	$7.275B	$7.417B	$7.277B	$7.399B	$7.149B	$6.838B	$5.068B	$5.000B	$4.753B		$2.262B	$2.348B	$2.206B	$2.388B
YoY Change	18.67%	29.64%	233.65%	2.89%	-67.59%	17.07%	16.0%	17.09%	13.37%	85.04%	27.15%	-12.76%	19.97%	-1.91%	1.92%	-1.65%	3.5%	4.55%	34.93%	1.36%	5.2%			-3.66%	6.44%	-7.62%
Other Assets	$471.2B	$345.6B	$760.2B	$560.8B	$463.5B	$383.8B	$386.5B	$374.3B	$333.6B	$284.1B	$232.0B	$186.2B	$147.8B	$118.0B	$95.23B	$88.83B	$66.71B
YoY Change	36.35%	-54.54%	35.55%	20.99%	20.78%	-0.71%	3.26%	12.21%	17.43%	22.42%	24.61%	26.03%	25.25%	23.87%	7.21%	33.16%
Total Long-Term Assets
YoY Change
Total Assets	$70860B	$68160B	$63670B	$55780B	$50580B	$39200B	$35800B	$37010B	$34650B	$30530B	$27020B	$24760B	$24650B	$22040B	$20770B	$21080B	$18540B	$15950B	$13770B	$12510B	$11190B	$11780B	$6961B	$5851B	$5411B	$5563B	$4999B	$2616B
YoY Change
Accounts Payable	$1088B	$1153B	$379.9B	$361.6B	$198.2B	$163.0B	$486.7B	$288.5B	$462.2B	$281.3B	$276.4B	$285.0B	$89.49B	$300.1B	$275.5B	$142.6B	$147.2B
YoY Change	-5.62%	203.41%	5.06%	82.41%	21.59%	-66.5%	68.72%	-37.58%	64.32%	1.77%	-3.01%	218.43%	-70.18%	8.95%	93.24%	-3.18%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$282.6B	$315.4B	$345.8B	$1197B	$594.3B	$211.8B	$465.0B	$366.6B	$273.2B	$482.4B	$293.7B	$1742B	$2464B	$294.7B	$3161B	$1987B	$1533B	$21.41B	$50.83B		$476.9B	$1577B	$224.8B	$149.6B	$89.84B	$124.7B	$201.5B	$96.90B
YoY Change	-10.39%	-8.8%	-71.12%	101.48%	180.63%	-54.46%	26.85%	34.17%	-43.36%	64.24%	-83.14%	-29.31%	736.19%	-90.68%	59.08%	29.61%	7061.15%	-57.88%			-69.76%	601.4%	50.32%	66.47%	-27.97%	-38.09%	107.94%
Long-Term Debt Due	$12060B	$4092B	$4589B	$2678B	$4471B	$2711B	$2041B	$2958B
YoY Change	194.63%	-10.85%	71.36%	-40.1%	64.9%	32.84%	-30.99%
Total Short-Term Liabilities	$13790B	$5957B	$4991B	$3067B	$4677B	$2885B	$2536B	$3277B	$481.6B	$284.0B	$327.8B	$285.5B	$90.98B	$301.4B	$339.3B	$143.3B	$164.6B	$21.41B	$50.83B		$476.9B	$1577B	$224.8B	$149.6B	$89.84B	$124.7B	$201.5B	$96.90B
YoY Change	131.49%	19.34%	62.74%	-34.43%	62.16%	13.74%	-22.62%	580.49%	69.56%	-13.35%	14.82%	213.77%	-69.81%	-11.17%	136.71%	-12.89%	668.53%	-57.88%			-69.76%	601.4%	50.32%	66.47%	-27.97%	-38.09%	107.94%
Long-Term Debt	$9135B	$14690B	$13550B	$12190B	$7934B	$7408B	$6993B	$6525B	$7485B	$7222B	$7071B	$4764B	$4800B	$5941B	$3072B	$2783B	$2508B	$2226B	$2169B	$1838B	$1683B	$2385B	$855.8B	$765.9B	$697.9B	$750.9B	$735.4B	$458.4B
YoY Change	-37.83%	8.44%	11.17%	53.62%	7.11%	5.93%	7.17%	-12.83%	3.65%	2.14%	48.42%	-0.75%	-19.21%	93.43%	10.38%	10.97%	12.64%	2.65%	18.02%	9.21%	-29.43%	178.64%	11.74%	9.75%	-7.06%	2.11%	60.43%
Other Long-Term Liabilities	$13760B	$16210B	$12910B	$10400B	$10310B	$3583B	$3010B	$3241B	$4106B	$3001B	$1649B	$562.3B	$629.3B	$2141B	$449.5B	$460.5B	$177.6B	$1317B	$1119B	$1615B	$1009B	$1448B	$494.9B	$394.6B	$388.9B	$454.8B	$439.2B	$248.4B
YoY Change	-15.11%	25.54%	24.17%	0.84%	187.81%	19.02%	-7.11%	-21.08%	36.84%	81.96%	193.32%	-10.65%	-70.61%	376.35%	-2.37%	159.3%	-86.52%	17.74%	-30.71%	59.98%	-30.29%	192.55%	25.41%	1.47%	-14.5%	3.56%	76.83%
Total Long-Term Liabilities	$22900B	$30900B	$26460B	$22590B	$18250B	$10990B	$10000B	$9766B	$11590B	$10220B	$8720B	$5326B	$5429B	$8082B	$3521B	$3243B	$2685B	$3544B	$3288B	$3452B	$2692B	$3832B	$1351B	$1161B	$1087B	$1206B	$1175B	$706.8B
YoY Change	-25.91%	16.79%	17.15%	23.79%	66.02%	9.87%	2.43%	-15.75%	13.39%	17.23%	63.72%	-1.9%	-32.83%	129.54%	8.57%	20.78%	-24.22%	7.78%	-4.77%	28.24%	-29.76%	183.73%	16.39%	6.79%	-9.86%	2.65%	66.19%
Total Liabilities	$66490B	$64040B	$60270B	$52210B	$47190B	$35960B	$32740B	$34140B	$31920B	$27920B	$24690B	$22630B	$22650B	$20210B	$19110B	$19590B	$16980B	$14610B	$12660B	$11440B	$10150B	$10810B	$6406B	$5356B	$4976B	$5109B	$4570B	$2465B
YoY Change	3.83%	6.25%	15.44%	10.64%	31.23%	9.83%	-4.1%	6.95%	14.31%	13.09%	9.13%	-0.11%	12.07%	5.75%	-2.45%	15.41%	16.2%	15.39%	10.69%	12.7%	-6.13%	68.78%	19.61%	7.63%	-2.6%	11.8%	85.34%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $8.8909 Trillion

About BANCO SANTANDER CHILE

Banco Santander Chile SA engages in the provision of commercial and retail banking services. The company is headquartered in Santiago, Santiago. The Bank's segments include Retail banking, Middle-market, Global Corporate Banking and Corporate Activities (Other). The Retail Banking segment consists of individuals and small to middle-sized entities (SMEs). The Middle-market segment serves companies and large corporations. The Global Corporate Banking segment consists of foreign and domestic multinational companies. The Corporate Activities segment includes its Financial Management Division, which develops global management functions. The company provides a range of commercial and retail banking services to its customers, including Chilean peso and foreign currency denominated loans to finance a range of commercial transactions, trade, foreign currency forward contracts and credit lines and a range of retail banking services, including mortgage financing. In addition to its traditional banking operations, the Bank offers a range of financial services.

Industry: Commercial Banks, NEC Peers: