Want to see BSAC full AI Analyst Report?
Banco Santander Chile (BSAC) Ratios
Banco Santander Chile Ratios
BSAC's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, BSAC's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.21 | 0.29 | 21.24 | 26.69 | 0.44 |
| Quick Ratio | 0.21 | 0.29 | 21.24 | 26.69 | 0.44 |
| Cash Ratio | 0.16 | 0.17 | 11.26 | 11.90 | 0.19 |
| Solvency Ratio | 0.02 | 0.02 | 0.01 | 0.01 | 0.02 |
| Operating Cash Flow Ratio | 0.02 | 0.02 | -4.22 | -0.81 | -0.12 |
| Short-Term Operating Cash Flow Coverage | 0.26 | 1.74 | -7.66 | -1.14 | -36.79 |
| Net Current Asset Value | $ -55.62T | $ -54.06T | $ -54.87T | $ -51.64T | $ -47.66T |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.23 | 0.22 | 0.18 | 0.16 | 0.16 |
| Debt-to-Equity Ratio | 2.83 | 2.80 | 2.45 | 2.25 | 2.39 |
| Debt-to-Capital Ratio | 0.74 | 0.74 | 0.71 | 0.69 | 0.71 |
| Long-Term Debt-to-Capital Ratio | 0.70 | 0.73 | 0.70 | 0.68 | 0.70 |
| Financial Leverage Ratio | 12.13 | 13.02 | 13.69 | 14.09 | 14.73 |
| Debt Service Coverage Ratio | 0.26 | 0.39 | 0.21 | 0.33 | 0.81 |
| Interest Coverage Ratio | 0.69 | 0.47 | 0.21 | 0.36 | 0.97 |
| Debt to Market Cap | 1.20 | 1.65 | 1.56 | 1.69 | 1.57 |
| Interest Debt Per Share | 37542.08 | 36155.52 | 33997.45 | 28476.16 | 24382.02 |
| Net Debt to EBITDA | 7.71 | 7.87 | 8.30 | 5.46 | 4.28 |
| Profitability Margins | |||||
| Gross Profit Margin | 48.84% | 42.64% | 30.41% | 39.14% | 58.47% |
| EBIT Margin | 26.73% | 22.02% | 13.24% | 19.09% | 31.84% |
| EBITDA Margin | 29.63% | 24.90% | 15.99% | 21.84% | 35.46% |
| Operating Profit Margin | 26.73% | 22.02% | 13.24% | 19.09% | 31.84% |
| Pretax Profit Margin | 26.73% | 22.02% | 13.24% | 19.09% | 31.84% |
| Net Profit Margin | 21.92% | 17.40% | 11.10% | 16.78% | 24.97% |
| Continuous Operations Profit Margin | 22.28% | 17.54% | 11.37% | 17.11% | 25.27% |
| Net Income Per EBT | 82.03% | 79.01% | 83.81% | 87.92% | 78.44% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.50% | 1.25% | 0.82% | 1.16% | 1.32% |
| Return on Equity (ROE) | 18.19% | 16.23% | 11.16% | 16.32% | 19.44% |
| Return on Capital Employed (ROCE) | 3.52% | 2.86% | 0.98% | 1.33% | 2.92% |
| Return on Invested Capital (ROIC) | 2.72% | 2.26% | 2.46% | 3.48% | 2.31% |
| Return on Tangible Assets | 1.50% | 1.25% | 0.82% | 1.16% | 1.32% |
| Earnings Yield | 7.71% | 9.62% | 7.16% | 12.46% | 12.90% |
| Efficiency Ratios | |||||
| Receivables Turnover | 46.87 | 3.81 | 13.66 | 9.27 | 11.35 |
| Payables Turnover | 3.68 | 5.32 | 7.38 | 4.76 | 2.30 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 17.11 | 15.68 | 14.82 | 12.69 | 9.00 |
| Asset Turnover | 0.07 | 0.07 | 0.07 | 0.07 | 0.05 |
| Working Capital Turnover Ratio | -0.20 | -0.87 | 0.48 | -2.42 | -1.63 |
| Cash Conversion Cycle | -91.38 | 27.11 | -22.73 | -37.25 | -126.23 |
| Days of Sales Outstanding | 7.79 | 95.72 | 26.72 | 39.36 | 32.16 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 99.17 | 68.61 | 49.45 | 76.61 | 158.39 |
| Operating Cycle | 7.79 | 95.72 | 26.72 | 39.36 | 32.16 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1496.25 | 1023.93 | -4596.07 | -762.00 | -6764.65 |
| Free Cash Flow Per Share | 1325.38 | 795.28 | -4716.34 | -1002.47 | -6887.75 |
| Dividend Paid and CapEx Coverage Ratio | 1.08 | 1.06 | -4.00 | -0.62 | -8.65 |
| Capital Expenditure Coverage Ratio | 8.76 | 4.48 | -38.21 | -3.17 | -54.95 |
| Operating Cash Flow Coverage Ratio | 0.04 | 0.03 | -0.17 | -0.03 | -0.31 |
| Operating Cash Flow to Sales Ratio | 0.15 | 0.10 | -0.41 | -0.08 | -0.94 |
| Free Cash Flow Yield | 4.71% | 4.23% | -27.44% | -7.43% | -49.68% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.58 | 10.40 | 13.97 | 8.02 | 7.75 |
| Price-to-Sales (P/S) Ratio | 2.84 | 1.81 | 1.55 | 1.35 | 1.94 |
| Price-to-Book (P/B) Ratio | 2.36 | 1.69 | 1.56 | 1.31 | 1.51 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 21.22 | 23.67 | -3.64 | -13.46 | -2.01 |
| Price-to-Operating Cash Flow Ratio | 18.80 | 18.38 | -3.74 | -17.71 | -2.05 |
| Price-to-Earnings Growth (PEG) Ratio | 0.54 | 0.14 | -0.37 | -1.33 | 0.14 |
| Enterprise Value Multiple | 17.31 | 15.13 | 17.99 | 11.62 | 9.74 |
| Enterprise Value | 23.89T | 18.48T | 15.03T | 11.99T | 11.65T |
| EV to EBITDA | 17.31 | 15.13 | 17.99 | 11.62 | 9.74 |
| EV to Sales | 5.13 | 3.77 | 2.88 | 2.54 | 3.45 |
| EV to Free Cash Flow | 38.26 | 49.31 | -6.76 | -25.38 | -3.59 |
| EV to Operating Cash Flow | 33.89 | 38.30 | -6.94 | -33.39 | -3.65 |
| Tangible Book Value Per Share | 11981.84 | 11186.83 | 11080.17 | 10307.79 | 9195.54 |
| Shareholders’ Equity Per Share | 11921.41 | 11153.45 | 11022.47 | 10304.02 | 9197.78 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.17 | 0.20 | 0.14 | 0.10 | 0.21 |
| Revenue Per Share | 9891.58 | 10407.71 | 11083.87 | 10019.77 | 7160.93 |
| Net Income Per Share | 2168.58 | 1810.52 | 1229.90 | 1681.70 | 1788.24 |
| Tax Burden | 0.82 | 0.79 | 0.84 | 0.88 | 0.78 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.17 | 0.16 | 0.13 | 0.15 | 0.20 |
| Stock-Based Compensation to Revenue | 0.00 | -0.00 | 0.00 | -0.00 | -0.00 |
| Income Quality | 0.67 | 0.57 | -4.36 | -0.45 | -3.78 |
Currency in CLP