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Financials · BSAC

Banco Santander - Chile (BSAC) financials

For fiscal 2025 (ended Dec 31, 2025), Banco Santander - Chile reported CLP 1.02T of net income. Figures are in CLP, the currency of its SEC filings.

Net income, FY2025
CLP 1.02T
Net income growth, YoY
+19.8%
Free cash flow, FY2025
-CLP 29.25B
EPS, diluted, FY2025
CLP 5.42
EPS growth, YoY
+19.8%
Cash
CLP 2.09T
Total debt
CLP 3.43T
Annual revenueCLP 2.27T
FY2016FY2021
Annual net incomeCLP 1.02T
FY2016FY2025
Annual free cash flow-CLP 29.25B
FY2016FY2025

BSAC revenue and earnings growth

BSAC net incomeFY2025CLP 1.02T

FY YoY
+19.8%
10Y CAGR
+8.6%

BSAC net income was CLP 1.02T for fiscal 2025 (ended Dec 31, 2025), up 19.8% from fiscal 2024. Compound annual growth was +8.6% over 10 years. It rose in 2 of the last 3 fiscal years. Fiscal 2025 is the highest of the 11 fiscal years on file.

BSAC EPSFY2025CLP 5.42

FY YoY
+19.8%
5Y CAGR
+13.3%
10Y CAGR
-45.6%

BSAC diluted EPS was CLP 5.42 for fiscal 2025 (ended Dec 31, 2025), up 19.8% from fiscal 2024. Compound annual growth was +13.3% over 5 years and -45.6% over 10 years.

BSAC free cash flowFY2025-CLP 29.25B

BSAC free cash flow was -CLP 29.25B for fiscal 2025 (ended Dec 31, 2025), compared with CLP 419.23B in fiscal 2024.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue----CLP 2.27TCLP 2.02TCLP 1.92TCLP 1.83TCLP 1.80TCLP 1.68T
Cost of revenue------CLP 1.55B---
Gross profit------CLP 1.92T---
Research and developmentCLP 592.00MCLP 627.00MCLP 1.79BCLP 2.58BCLP 2.31BCLP 1.56BCLP 2.81B---
Selling, general and adminCLP 387.61BCLP 366.43BCLP 320.11BCLP 310.22BCLP 280.13BCLP 250.45BCLP 233.61BCLP 245.09B-CLP 230.10B-CLP 226.41B
Operating income----CLP 1.07TCLP 693.88BCLP 793.54BCLP 761.74BCLP 716.32BCLP 584.45B
Interest expenseCLP 1.69TCLP 2.15TCLP 3.16TCLP 2.28TCLP 1.11TCLP 638.48BCLP 904.42BCLP 829.95BCLP 731.75BCLP 855.68B
Pre-tax incomeCLP 1.25TCLP 1.08TCLP 691.38BCLP 901.11BCLP 1.07TCLP 695.26BCLP 794.69BCLP 763.07BCLP 717.46BCLP 587.46B
Income taxCLP 207.36BCLP 219.75BCLP 97.55BCLP 93.62BCLP 221.66BCLP 142.53BCLP 175.07BCLP 167.14BCLP 145.03BCLP 109.03B
Net incomeCLP 1.02TCLP 852.96BCLP 579.43BCLP 792.28B-CLP 842.47B-CLP 547.61B-CLP 619.09BCLP 595.33BCLP 562.80BCLP 476.07B
EPS, basicCLP 5.42CLP 4.53CLP 3.08CLP 4.20CLP 4.47CLP 2.91CLP 3.29CLP 3.16CLP 2.99CLP 2.53
EPS, dilutedCLP 5.42CLP 4.53CLP 3.08CLP 4.20CLP 4.47CLP 2.91CLP 3.29CLP 3.16CLP 2.99CLP 2.53
Diluted shares188.45B188.45B188.45B188.45B188.45B188.45B188.45B188.45B188.45B188.45B

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalentsCLP 2.09TCLP 2.77TCLP 2.76TCLP 2.08TCLP 2.89TCLP 2.89TCLP 3.71TCLP 2.26TCLP 1.63TCLP 2.49T
ReceivablesCLP 714.63BCLP 329.33BCLP 98.31BCLP 154.05BCLP 73.35BCLP 133.72BCLP 270.20BCLP 77.04BCLP 485.74BCLP 396.99B
GoodwillCLP 0CLP 0CLP 0-------
Total assetsCLP 68.15TCLP 68.40TCLP 70.78TCLP 68.42TCLP 63.84TCLP 55.70TCLP 50.57TCLP 39.13TCLP 35.82TCLP 37.03T
Short-term debt----CLP 1.35TCLP 1.32TCLP 2.32TCLP 1.06TCLP 563.23BCLP 1.31T
Long-term debt----CLP 7.23TCLP 7.07TCLP 7.41TCLP 7.27TCLP 6.77TCLP 6.26T
Total debtCLP 3.43TCLP 4.34TCLP 10.37TCLP 8.86TCLP 8.58TCLP 8.39TCLP 9.73TCLP 8.33TCLP 7.34TCLP 7.57T
Total liabilitiesCLP 62.41TCLP 63.04TCLP 65.44TCLP 63.46TCLP 59.41TCLP 52.00TCLP 8.39TCLP 35.89TCLP 32.68TCLP 34.09T
Shareholders' equityCLP 5.62TCLP 5.25TCLP 5.34TCLP 4.96TCLP 4.43TCLP 3.70TCLP 3.48TCLP 3.25TCLP 3.15TCLP 2.94T

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flowCLP 55.41BCLP 482.39BCLP 1.32T-CLP 358.99B-CLP 594.68B-CLP 819.99BCLP 1.86TCLP 1.02T-CLP 416.36BCLP 736.15B
Capital expendituresCLP 84.66BCLP 63.16BCLP 74.43BCLP 58.39BCLP 57.99BCLP 50.61BCLP 57.39BCLP 68.33BCLP 58.77BCLP 62.35B
Free cash flow-CLP 29.25BCLP 419.23BCLP 1.24T-CLP 417.38B-CLP 652.67B-CLP 870.61BCLP 1.80TCLP 954.16B-CLP 475.13BCLP 673.80B
Investing cash flow-CLP 104.94B-CLP 106.58B-CLP 117.85B-CLP 94.60B-CLP 84.27B-CLP 70.11B-CLP 141.79B-CLP 91.56B-CLP 73.46B-CLP 90.20B
Financing cash flow-CLP 621.10B-CLP 372.85B-CLP 515.29B-CLP 384.32BCLP 238.66BCLP 102.09B-CLP 385.29B-CLP 423.61B-CLP 330.64B-CLP 336.66B
Dividends paidCLP 600.34BCLP 347.48BCLP 485.19BCLP 464.98BCLP 310.47BCLP 331.25BCLP 355.14BCLP 423.61BCLP 330.64BCLP 336.66B
Depreciation and amortizationCLP 135.16BCLP 141.44BCLP 143.76BCLP 129.99BCLP 122.06BCLP 109.43BCLP 106.09BCLP 79.28BCLP 77.82BCLP 65.36B

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY----12.6%5.2%4.7%2.0%6.8%2.3%
Net income growth, YoY19.8%47.2%-26.9%----5.8%18.2%6.2%
EPS growth, YoY19.8%47.2%-26.9%-6.0%53.9%-11.5%4.0%5.8%18.3%-99.9%
Gross margin------99.9%---
Operating margin----47.3%34.4%41.4%41.5%39.9%34.7%
Net margin-----37.1%-27.1%-32.3%32.5%31.3%28.3%
Free cash flow margin-----28.7%-43.1%93.7%52.0%-26.4%40.0%
Return on equity18.2%16.2%10.8%16.0%-19.0%-14.8%-17.8%18.3%17.9%16.2%
Return on assets1.5%1.2%0.8%1.2%-1.3%-1.0%-1.2%1.5%1.6%1.3%
Debt to equity0.610.831.941.791.942.262.802.572.332.58

Source: XBRL data Banco Santander - Chile files with the SEC, latest filing dated Feb 27, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

Foreign private issuers file annual reports with the SEC, so there are no quarterly statements here.

BSAC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
BSAC--CLP 1.02T-$15.36B
RYC$66.61B+16.1%C$20.36B30.6%$282.66B
MUFG¥11.87T+9.5%¥1.73T14.6%$257.53B
TDC$67.78B+18.4%C$20.54B30.3%$202.90B
SAN€55.32B-1.5%€14.10B25.5%$180.35B
SMFG¥4.35T+13.6%¥1.14T26.1%$154.95B
BBVA--€10.51B-$149.88B
HDB₹2.50T+5.2%₹704.79B28.2%$132.41B

BSAC FAQ

6 questions
  • Is BSAC profitable?
    Yes. Banco Santander - Chile earned CLP 1.02T in net income for fiscal 2025 (ended Dec 31, 2025).
  • How much cash and debt does BSAC have?
    Banco Santander - Chile reported CLP 2.09T in cash and cash equivalents and CLP 3.43T of debt on its most recent balance sheet in SEC filings.
  • What is BSAC free cash flow?
    Banco Santander - Chile generated -CLP 29.25B of free cash flow for fiscal 2025 (ended Dec 31, 2025), which is operating cash flow of CLP 55.41B less capital expenditures.
  • What is BSAC earnings per share?
    Diluted earnings per share were CLP 5.42 for fiscal 2025 (ended Dec 31, 2025), from SEC filings, restated for any stock split those filings show.
  • When did BSAC last report financial results?
    The latest statements here come from Banco Santander - Chile's 20-F filed on Feb 27, 2026, covering the period ended Dec 31, 2025.
  • Where does this BSAC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Banco Santander - Chile files with the SEC. It is provided for information only and is not investment advice.