Banco Santander-Chile, along with its affiliated entities, operates as a prominent financial institution in Chile, delivering a comprehensive array of commercial and ...
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Est. EPS $643.52 · Revenue $777.83B · 3 analysts
Est. EPS $650.18 · Revenue $782.78B · 3 analysts
Est. EPS $2599.52 · Revenue $3.12T · 3 analysts
Est. EPS $701.19 · Revenue $806.59B · 1 analysts
EPS CLP 812.00 · Revenue CLP 1.23T
$0.00 per share
$0.00 per share
EPS CLP 580.00 · Revenue CLP 733.43B
EPS CLP 2236.00 · Revenue CLP 4.66T
EPS CLP 524.00 · Revenue CLP 1.09T
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $4660.1B | -5.0% | +67.2% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $1021.6B | +19.8% | +40.0% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +48.8% | +14.5% | -42.4% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +26.7% | +21.4% | -19.8% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +21.9% | +26.0% | -16.2% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $624.4B | +66.7% | +43.8% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +13.4% | +75.4% | +66.4% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 282.7% | +0.9% | -72.3% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.21x | -29.2% | -77.3% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $68147.3B | -0.4% | +0.6% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 2236.00 vs 2234.15 | +0.1% | 812.00 vs 683.30 | +18.8% |
| Revenue Surprise | $4660.1B vs $2885.1B | +61.5% | $1226.2B vs $813.5B | +50.7% |
Operator: Ladies and gentlemen, thank you for standing by, and I would like to welcome you to Banco Santander-Chile's Second Quarter 2026 Earnings Conference Call on August 5, 2026. [Operator Instructions]. So with this, I would now like to pass the line to Patricia Perez, the Chief Financial Officer. Please go ahead. Patricia Pallacan: Good morning, everyone, and thank you for joining us today. I'm Patricia Perez, CFO of Banco Santander-Chile, and I'm joined by Cristian Vicuna, Head of Strategy and Investor Relations; and Andres Sansone, Chief Economist. This quarter reinforces the strength of our franchise, high profitability, disciplined cost management and a solid capital position, while we continue to execute our strategy to deliver a simpler and enhanced value proposition to customers with a focus on sustainable growth and shareholder returns. First, Andres will give you an overview of the economic and regulatory environment. Cristian will then walk you through our strategy, our second quarter results and our updated view for 2026. Finally, we will conclude with a Q&A session. With that, let me turn it over to Andres Sansone. Andrés Sansone: Thanks, Patricia. Let me start with the big picture. Since our last webcast, the global backdrop has remained complex. External inflationary pressures remain with geopolitical tensions driving oil prices and the inflationary scenario for Chile. At the same time, long-term rates have moved higher and expectations for monetary policy abroad have shifted upward, leaving global financial conditions less supportive. For Chile, this has translated into a weaker peso, around CLP 930 per dollar during the last month and renewed pressures on short-term inflation. Locally, the June CPI was flat month-on-month, but still above expectation, bringing annual inflation to 4.3%, with the surprise mainly concentrated on food. Short-term inflation expectations have increased, and now we expect a variation of 4.4% in 2026 in the UF, although the 2-year expectations remain anchored at 3%. On activity, the economy continued to lose momentum during the first half of the year. The weakness has been concentrated in 3 areas: First, supply shocks in natural resources sectors, particularly mining and fishing. Second, the impact of higher oil and fuel prices on household disposable income. And third, a slower-than-expected recovery in construction. Beyond these 3 factors, the labor market has also weakened with seasonal adjusted unemployment rising to 9.3%. Looking ahead, activity should improve gradually, mining production faces a more favorable comparison base in the coming months. The mining and energy investment pipeline remains solid and the recent fall in fuel prices should help restore part of the disposable income lost during the oil shock. Pro-growth reforms, if approved and effectively implemented, can lift the country's potential growth over the medium term. Based on this information, our economic team has revised down …
| Name | Title | Gender | Status |
|---|---|---|---|
Fernando Larrain Aninat | Executive Vice-President of Communications, Marketing & Research | Male | Active |
Jonathan Covarrubias Hernandez | Chief Accounting Officer | Male | Active |
Pedro Gallardo | Head of Shareholder Relations | — | Active |
Eduardo Herrera | Executive Vice President of Technology & Operations | Male | Active |
Patricia Perez | Chief Financial Officer | Female | Active |
Andrés Trautmann Buc | Chief Executive Officer & Country Head | Male | Active |
Cristian Vicuna | Chief Strategy Officer & Head of IR | Male | Active |
Paula Melendez Cubillos | Executive Vice-President of Human Resources | Female | Active |
Cristian Florence Kauer | General Counsel | Male | Active |
Claudio Soto | Chief Economist | Male | Active |
Banco Santander Chile NYSE: BSAC reported second-quarter net income attributable to shareholders of more than CLP 382.6 billion, up 40% from both the prior quarter and a year earlier, as elevated inflation supported readjustment income and the bank maintained cost and risk discipline.
Banco Santander-Chile (BSAC) Q2 2026 Earnings Call Transcript
SANTIAGO, Chile, July 29, 2026 (GLOBE NEWSWIRE) -- Banco Santander Chile (NYSE: BSAC; SSE: Bsantander) announced today its results1 for the six-month period ended June 30, 2026, and second quarter 2026 (2Q26).
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Banco Santander-Chile (BSAC) have what it takes?
Banco Santander Chile (NYSE: BSAC - Get Free Report) is projected to announce its Q2 2026 results before the market opens on Friday, July 31st. Analysts expect the company to announce earnings of $0.71 per share and revenue of $887.0620 million for the quarter. Individuals can find conference call details on the company's upcoming Q2 2026
