Banco Santander Chile SA - ADR
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+ FollowMarket Cap$15.28B
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Earnings Call Q3 2026
November 4, 2026 - AI Summary
Strong profitability + resilience despite inflation volatility (good)
- 1–9M 2026 attributable net income: CLP 892.8bn, +12% YoY; ROE: 24.5% YTD.
- Q3 2026 attributable net income: CLP 237.1bn, -38% QoQ (normalization after unusually high UF variation in Q2; also -4% YoY).
- ROE in Q3: 19.1%; management reiterated confidence in sustaining high returns.
Growth is recovering—especially commercial + mortgages + auto (good)
- Total loans: CLP 48.8tn, +2.3% QoQ and +3.9% YTD.
- Commercial lending: +4.0% QoQ, +5.2% YTD (key sign of business reactivation).
- Mortgages: +1.8% QoQ, +4.5% YTD.
- Auto loans: +1.3% QoQ, +6.3% YTD (strong momentum).
- Management emphasis: early lending recovery already underway; expects broader re-acceleration as macro improves.
Net interest margin holding up, helped by funding mix (good / nuanced)
- NIM YTD: 4.1%, +10 bps YoY.
- Q3 NIM fell to 3.8% (from 4.7% in Q2) due to UF normalization (UF variation 2.46% → 0.58%), causing QoQ net interest income -18.1%.
- Funding improved: demand deposits +5.6% YoY (non-interest bearing) and time deposits +19.9% YoY; bank also reducing a longer-duration bond portfolio.
- Liquidity remains strong: LCR 172% and NSFR 117% (well above 100% minimum).
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$-0.06
100.2% downside
Current Fair Value
100.2% downsideOvervalued by 100.2% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $15.28 Billion |
|---|---|
| Enterprise Value | $13.78 Trillion |
| Annual dividend | $1.48 |
| Dividend yield | 4.17% |
| Earnings per Share | $2236 |
| Beta | 0.23 |
| Outstanding Shares | 471,182,212 |
Return
| Return on Equity | 23.23% |
|---|---|
| Return on Assets | 1.47% |
| Return on Invested Capital | 1.53% |
Valuation & Multiples
| P/E Ratio | 13.86 |
|---|---|
| PEG | -328.8 |
| Price to Sales | 0.01 |
| Price to Book Ratio | 0.0 |
| Enterprise Value to Revenue | 4.51 |
| Enterprise Value to EBIT | 12.85 |
| Enterprise Value to Net Income | 12 |
| Total Debt to Enterprise | 1.26 |
| Debt to Equity | 3.51 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 30, 2026
EPS
$0.52
Est. $0.65Revenue
$738.20 M
Est. $759.90 MNext Earnings Call
Expected Date
January 28, 2027
EPS Estimate
$0.73
Consensus analyst estimateRevenue Estimate
$809.14 M
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.00, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.00000% |
|---|---|
| Total Calls | - |
| Total Puts | - |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 1.57%▼ 3.19% |
|---|---|
| Total Invested | $243.75M▼ 66.84% |
| Investors Holding | 74▼ 85.00% |
About Banco Santander Chile SA
8,526 employees
CEO: Miguel Mata Huerta
Banco Santander-Chile, along with its associated entities, stands as a prominent financial services provider in Chile, offering a comprehensive suite of commercial and retail banking solutions. The institution structures its operations a...