Banco Santander - Chile ADS - ADR Key Ratios
$35.31
As on 26-Aug-2026 16:10EDT
Market cap
$16,286 Mln
Revenue (TTM)
$4,850,848 Mln
P/E Ratio
13.4
P/B Ratio
3
Div. Yield
4.3 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 67.19 | 2.71 | 19.86 | -1.35 | 15.04 |
| EBIT | 34.06 | 38.06 | 5.51 | 33.01 | 8.93 |
| Net Profit | 40.40 | 39.14 | 4.39 | 28.72 | 1.16 |
| EPS | 30.64 | 40.36 | 7.64 | 29.02 | 10.42 |
| Book Value | -- | -- | 4.80 | 4.20 | 8.68 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 20.66 | 22.58 | 28.28 | 26.73 | 22.02 |
| Net Margin
| -- | -- | 23.23 | -- | -- |
| Return on equity
| 15.29 | 16.69 | 20.82 | 18.62 | 15.98 |
| Return on Capital
| 4.25 | 4.24 | -- | 4.87 | 4.44 |
| Return on Assets
| 1.18 | 1.23 | 1.46 | 1.50 | 1.22 |
| Debt to Equity (x)
| -- | -- | 2.13 | 2.83 | 2.81 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
--
|
4.87
|
4.44
|
3.45
|
4.24
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
20.82
Higher than Peers by 10.93
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
20.82
|
18.62
|
15.98
|
11.27
|
16.87
|
|
Peer Median
|
9.89
|
--
|
--
|
--
|
--
|
ROA
1.46
Higher than Peers by 0.50
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
1.46
|
1.50
|
1.22
|
0.83
|
1.20
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
28.28
Higher than Peers by 7.43
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
28.28
|
26.73
|
22.02
|
13.24
|
19.09
|
|
Peer Median
|
20.85
|
--
|
--
|
--
|
--
|
Net Margin
23.23
Higher than Peers by 3.19
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
23.23
|
21.92
|
17.40
|
11.10
|
16.78
|
|
Peer Median
|
20.04
|
--
|
--
|
--
|
--
|
Cash Profit Margin
--
--
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
19.86
Higher than Peers by 8.81
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
19.86
|
-0.05
|
-0.06
|
0.11
|
0.40
|
|
Peer Median
|
11.04
|
--
|
--
|
--
|
--
|
EBIT Growth
5.51
Higher than Peers by 16.54
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
5.51
|
15.36
|
56.15
|
-23.27
|
-16.11
|
|
Peer Median
|
-11.04
|
--
|
--
|
--
|
--
|
Net Profit Growth
4.39
Lower than Peers by 3.07
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
4.39
|
19.78
|
47.21
|
-26.87
|
-5.96
|
|
Peer Median
|
7.46
|
--
|
--
|
--
|
--
|
EPS Growth
7.64
Higher than Peers by 1.74
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
7.64
|
0.20
|
0.47
|
-0.27
|
-0.06
|
|
Peer Median
|
5.90
|
--
|
--
|
--
|
--
|
Book Value Growth
10.19
Higher than Peers by 1.37
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
10.19
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.81
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
2.13
Higher than Peers by 1.92
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
2.13
|
2.83
|
2.81
|
2.39
|
2.13
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.65
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
0.65
|
0.49
|
0.00
|
0.00
|
0.01
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.27
Lower than Peers by 0.03
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
0.27
|
0.21
|
7.22
|
0.38
|
26.69
|
|
Peer Median
|
0.31
|
--
|
--
|
--
|
--
|
Quick Ratio
0.27
Lower than Peers by 0.08
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
0.27
|
--
|
--
|
0.88
|
61.59
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
1.79
Higher than Peers by 0.04
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
1.79
|
0.69
|
0.47
|
0.21
|
0.36
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
--
--
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
--
|
2.13
|
26.23
|
7.32
|
10.78
|
|
Peer Median
|
6.93
|
--
|
--
|
--
|
--
|
Asset Turnover
0.06
Higher than Peers by 0.01
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
0.06
|
0.07
|
0.07
|
0.07
|
0.07
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
--
|
54.29
|
62.13
|
31.17
|
32.79
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
--
|
--
|
-1,864.40
|
-1,498.00
|
-1,842.12
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
--
|
90.12
|
66.29
|
55.05
|
76.97
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Banco Santander - Chile ADS - ADR
|
--
|
--
|
-1,868.56
|
-1,521.87
|
-1,886.30
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|