BSAC · CIK 0001027552
BANCO SANTANDER-CHILE
Annual figures as reported, FY2014–FY2025. Ratios and growth rates derived on-page.
Commercial Banks, NEC
Company profile
Net income
CLP 1.04T
▲ +20.7% vs FY2024
Free cash flow
−CLP 29.3B
▼ −107.0% vs FY2024
Diluted EPS
CLP 5.42
▲ +19.8% vs FY2024
Net income
Annual, as reported
Profitability & returns
quality of earningsReturns on capital
Net income vs year-end equity and assets
Return on equityReturn on assets
Cash flow
cash generationFree cash flow
Operating cash flow less capital expenditure
Operating cash flow
Net cash from operations
Shareholder returns
capital allocationCapital returned
Cash paid out as dividends and share repurchases
Dividends paid
Diluted shares outstanding
Falling count means buybacks outpace dilution
Balance sheet
financial positionStockholders’ equity
At fiscal year end
Net debt
Long-term debt less cash — negative means net cash
Growth rates
compounding, annualizedNet income CAGR
+8.7%
3y
+13.4%
5y
+8.7%
10y
Diluted EPS CAGR
+8.8%
3y
+13.3%
5y
−45.6%
10y
Share count change (split-adjusted)
+0.0%
5y
+0.0%
10y
Key ratios
derived per fiscal year| Fiscal year | ROE | ROA | Debt / equity |
|---|---|---|---|
| FY2025 | 18.1% | 1.5% | 0.60× |
| FY2024 | 16.0% | 1.3% | 0.81× |
| FY2023 | 11.1% | 0.8% | 1.94× |
| FY2022 | 16.3% | 1.2% | 1.79× |
| FY2021 | 19.3% | 1.3% | 1.99× |
| FY2020 | 14.9% | 1.0% | 1.71× |
| FY2019 | 17.9% | 1.2% | 0.72× |
| FY2018 | 18.5% | 1.5% | 0.55× |
| FY2017 | 18.3% | 1.6% | 0.54× |
| FY2016 | 16.3% | 1.3% | 0.65× |
| FY2015 | 16.1% | — | — |
| FY2014 | — | — | — |
Annual figures
as reported| Fiscal year | Revenue | Gross profit | Op. income | Net income | Diluted EPS | Op. cash flow | Capex | Total assets | Liabilities | Equity | Cash | LT debt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY2025 | — | — | — | CLP 1.04T | CLP 5.42 | CLP 55.4B | CLP 84.7B | CLP 68.15T | CLP 62.41T | CLP 5.74T | CLP 2.09T | CLP 3.43T |
| FY2024 | — | — | — | CLP 859.9B | CLP 4.53 | CLP 482.4B | CLP 63.2B | CLP 68.40T | CLP 63.04T | CLP 5.36T | CLP 2.77T | CLP 4.34T |
| FY2023 | — | — | — | CLP 593.8B | CLP 3.08 | CLP 1.32T | CLP 74.4B | CLP 70.78T | CLP 65.44T | CLP 5.34T | CLP 2.76T | CLP 10.37T |
| FY2022 | — | — | — | CLP 807.5B | CLP 4.20 | −CLP 359.0B | CLP 58.4B | CLP 68.42T | CLP 63.46T | CLP 4.96T | CLP 2.08T | CLP 8.86T |
| FY2021 | — | — | — | CLP 852.4B | CLP 4.47 | −CLP 594.7B | CLP 58.0B | CLP 63.84T | CLP 59.41T | CLP 4.43T | CLP 2.89T | CLP 8.83T |
| FY2020 | — | — | — | CLP 552.7B | CLP 2.91 | −CLP 820.0B | CLP 50.6B | CLP 55.70T | CLP 52.00T | CLP 3.70T | CLP 2.89T | CLP 6.33T |
| FY2019 | — | — | — | CLP 621.3B | CLP 3.29 | CLP 1.86T | CLP 57.4B | CLP 50.57T | CLP 47.10T | CLP 3.48T | CLP 3.71T | CLP 2.52T |
| FY2018 | — | — | — | CLP 599.7B | CLP 3.16 | CLP 1.02T | CLP 68.3B | CLP 39.13T | CLP 35.89T | CLP 3.25T | CLP 2.26T | CLP 1.79T |
| FY2017 | — | — | — | CLP 575.2B | CLP 2.99 | −CLP 416.4B | CLP 58.8B | CLP 35.82T | CLP 32.68T | CLP 3.15T | CLP 1.63T | CLP 1.70T |
| FY2016 | — | — | — | CLP 478.4B | CLP 2.53 | CLP 736.2B | CLP 62.4B | CLP 37.03T | CLP 34.09T | CLP 2.94T | CLP 2.49T | CLP 1.92T |
| FY2015 | — | — | — | CLP 451.7B | CLP 2380.00 | CLP 687.8B | CLP 65.1B | — | — | CLP 2.80T | CLP 2.33T | — |
| FY2014 | — | — | — | — | — | — | — | — | — | CLP 2.68T | CLP 1.86T | — |
Latest filings
the most recent regulatory filings6-KForeign issuer report2026-06-24 ↗6-KForeign issuer report2026-06-12 ↗6-KForeign issuer report2026-05-29 ↗6-KForeign issuer report2026-05-20 ↗6-KForeign issuer report2026-05-20 ↗6-KForeign issuer report2026-05-18 ↗6-KForeign issuer report2026-05-18 ↗6-KForeign issuer report2026-05-13 ↗6-KForeign issuer report2026-05-11 ↗6-KForeign issuer report2026-05-11 ↗
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