Banco Santander Financials

BSAC Stock  USD 18.96  0.50  2.57%   
Based on the analysis of Banco Santander's profitability, liquidity, and operating efficiency, Banco Santander Chile may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Banco Santander's Total Stockholder Equity is projected to increase significantly based on the last few years of reporting. The current year's Cash is expected to grow to about 6.1 T, whereas Short and Long Term Debt Total is forecasted to decline to about 7.8 T. Key indicators impacting Banco Santander's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.240.3032
Significantly Down
Very volatile
Return On Assets0.00770.0082
Notably Down
Slightly volatile
Return On Equity0.210.1116
Way Up
Pretty Stable
Debt Equity Ratio3.172.3722
Significantly Up
Pretty Stable
Operating Income775 B677 B
Fairly Up
Slightly volatile
Current Ratio0.290.3004
Sufficiently Down
Pretty Stable
Investors should never underestimate Banco Santander's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Banco Santander's cash flow, debt, and profitability to make informed and accurate decisions about investing in Banco Santander Chile.

Net Income

429.44 Billion

  
Understanding current and past Banco Santander Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Banco Santander's financial statements are interrelated, with each one affecting the others. For example, an increase in Banco Santander's assets may result in an increase in income on the income statement.
Please note, the presentation of Banco Santander's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Banco Santander's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Banco Santander's management manipulating its earnings.

Banco Santander Stock Summary

Banco Santander competes with Banco Santander, CrossFirst Bankshares, Banco Bradesco, CF Bankshares, and Grupo Aval. Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. Banco Santander-Chile was incorporated in 1977 and is headquartered in Santiago, Chile. Banco Santander is traded on New York Stock Exchange in the United States.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS05965X1090
CUSIP05965X109
LocationChile
Business AddressBandera 140, Santiago
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitebanco.santander.cl
Phone56 2 320 2000
CurrencyUSD - US Dollar

Banco Santander Key Financial Ratios

Banco Santander Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets50.6T55.7T63.8T68.4T71.1T74.6T
Other Current Liab(4.9T)(162.7B)(388.2B)(677.3B)(815.2B)(856.0B)
Net Debt9.4T10.8T12.2T5.3T6.6T4.6T
Retained Earnings393.7B410.5B647.1B679.4B537.5B420.2B
Cash4.2T3.9T5.3T5.3T5.8T6.1T
Other Assets37.0T36.5T41.2T30.9T(20.8T)(19.7T)
Total Liab47.1T52.0T59.4T63.5T65.8T69.1T
Total Current Assets8.8T11.4T11.5T37.5T10.9T5.9T
Short Term Debt4.9T3.6T23.4B25.9B20.7B19.7B
Other Liab308.8B423.6B1.2T2.0T2.3T2.4T
Accounts Payable223.7B376.2B607.9B603.0B492.3B516.9B
Long Term Debt13.4T14.5T17.3T16.0T12.3T12.9T
Inventory(12.7T)(12.7T)(13.5T)10.3T(14.4T)(13.6T)
Intangible Assets73.4B82.5B95.4B107.8B97.6B77.6B
Net Receivables270.8B203.6B338.5B509.0B382.2B677.5B
Other Current Assets12.7T12.7T13.5T15.7T14.4T11.2T
Net Tangible Assets3.3T3.5T4.2T4.7T5.5T3.4T
Net Invested Capital16.8T18.2T21.6T20.9T17.5T18.9T

Banco Santander Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense904.4B638.5B1.1T2.5T3.3T3.5T
Total Revenue1.9T2.0T2.3T2.2T1.9T1.4T
Gross Profit1.9T2.0T2.3T2.2T1.9T1.4T
Operating Income794.2B690.1B1.1T3.4T677.0B775.0B
Ebit794.2B690.1B1.1T3.4T677.0B1.2T
Ebitda900.3B799.6B1.2T3.5T820.7B1.2T
Income Before Tax794.7B695.3B1.1T901.1B691.4B521.6B
Net Income619.1B547.6B842.5B792.3B496.4B429.4B
Income Tax Expense175.1B142.5B221.7B93.6B97.5B84.6B
Minority Interest79.6B84.7B(10.0B)(15.2B)(14.4B)(13.7B)
Tax Provision175.1B142.5B221.7B93.6B97.5B150.0B
Net Interest Income1.4T1.6T1.8T1.6T1.1T1.6T
Interest Income2.3T2.2T2.9T4.1T4.4T3.0T

Banco Santander Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash1.5T(816.7B)(2.7B)(812.0B)680.8B714.9B
Free Cash Flow1.8T(905.8B)(673.9B)(472.3B)1.2T1.3T
Depreciation106.1B109.4B122.1B123.0B143.8B151.0B
Other Non Cash Items(249.6B)(2.9T)(627.6B)(313.5B)(6.2B)(6.5B)
Dividends Paid355.1B331.3B310.5B465.0B485.2B275.9B
Capital Expenditures83.8B85.8B86.8B113.3B121.5B127.6B
Net Income621.3B552.7B852.4B807.5B593.8B447.8B
End Period Cash Flow3.7T2.9T2.9T2.1T2.8T1.9T
Investments(135.4B)(70.1B)(7.5B)(94.6B)(148.5B)(141.1B)
Change To Netincome(1.2T)(1.3T)592.0B382.6B440.0B462.0B

Banco Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Banco Santander's current stock value. Our valuation model uses many indicators to compare Banco Santander value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Banco Santander competition to find correlations between indicators driving Banco Santander's intrinsic value. More Info.
Banco Santander Chile is number one stock in return on equity category among its peers. It is rated second in return on asset category among its peers reporting about  0.06  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Banco Santander Chile is roughly  16.00 . At present, Banco Santander's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Banco Santander's earnings, one of the primary drivers of an investment's value.

Banco Santander Chile Systematic Risk

Banco Santander's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Banco Santander volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was three with a total number of output elements of fifty-eight. The Beta measures systematic risk based on how returns on Banco Santander Chile correlated with the market. If Beta is less than 0 Banco Santander generally moves in the opposite direction as compared to the market. If Banco Santander Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Banco Santander Chile is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Banco Santander is generally in the same direction as the market. If Beta > 1 Banco Santander moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Banco Santander Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Banco Santander's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Banco Santander growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.49)

At present, Banco Santander's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Banco Santander November 24, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Banco Santander help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Banco Santander Chile. We use our internally-developed statistical techniques to arrive at the intrinsic value of Banco Santander Chile based on widely used predictive technical indicators. In general, we focus on analyzing Banco Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Banco Santander's daily price indicators and compare them against related drivers.

Complementary Tools for Banco Stock analysis

When running Banco Santander's price analysis, check to measure Banco Santander's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Banco Santander is operating at the current time. Most of Banco Santander's value examination focuses on studying past and present price action to predict the probability of Banco Santander's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Banco Santander's price. Additionally, you may evaluate how the addition of Banco Santander to your portfolios can decrease your overall portfolio volatility.
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