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BANCO SANTANDER CHILE

BSAC Clue Score56
Chile Fiscal year ends December CIK 0001027552
$32.18 -0.03% Close, 13 Oct 2026
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Price $32.18 +85.05% Close, 13 Oct 2026

Closing prices at the end of each trading day, from 14 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Operating incomeNet income
Fiscal year 2016Operating income584.45Net income476.07EPS, diluted2.53Fiscal year 2017Operating income716.32Net income562.80 +18.2%EPS, diluted2.99 +18.3%Fiscal year 2018Operating income761.74Net income595.33 +5.8%EPS, diluted3.16 +5.8%Fiscal year 2019Operating income793.54Net income−619.09 −204.0%EPS, diluted3.29 +4.0%Fiscal year 2020Operating income693.88Net income−547.61EPS, diluted2.91 −11.5%Fiscal year 2021Operating income1,074.76Net income−842.47EPS, diluted4.47 +53.9%Fiscal year 2022Net income792.28EPS, diluted4.20 −6.0%Fiscal year 2023Net income579.43 −26.9%EPS, diluted3.08 −26.9%Fiscal year 2024Net income852.96 +47.2%EPS, diluted4.53 +47.2%Fiscal year 2025Net income1,021.65 +19.8%EPS, diluted5.42 +19.8%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating income 584.45 716.32 761.74 793.54 693.88 1,074.76 n/a n/a n/a n/a
Net income 476.07 562.80 595.33 −619.09 −547.61 −842.47 792.28 579.43 852.96 1,021.65
Growth +18.2% +5.8% −204.0% −26.9% +47.2% +19.8%
EPS, diluted 2.53 2.99 3.16 3.29 2.91 4.47 4.20 3.08 4.53 5.42
Growth +18.3% +5.8% +4.0% −11.5% +53.9% −6.0% −26.9% +47.2% +19.8%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow736.15Capital expenditure−62.36Free cash flow673.80Dividends paid−336.66Fiscal year 2017Operating cash flow−416.36Capital expenditure−58.77Free cash flow−475.13 −170.5%Dividends paid−330.65Fiscal year 2018Operating cash flow1,022.49Capital expenditure−68.33Free cash flow954.16Dividends paid−423.61Fiscal year 2019Operating cash flow1,855.59Capital expenditure−57.39Free cash flow1,798.20 +88.5%Dividends paid−355.14Fiscal year 2020Operating cash flow−819.99Capital expenditure−50.61Free cash flow−870.61 −148.4%Dividends paid−331.26Fiscal year 2021Operating cash flow−594.68Capital expenditure−58.00Free cash flow−652.67Dividends paid−310.47Fiscal year 2022Operating cash flow−358.99Capital expenditure−58.39Free cash flow−417.38Dividends paid−464.98Fiscal year 2023Operating cash flow1,315.76Capital expenditure−74.43Free cash flow1,241.33Dividends paid−485.19Fiscal year 2024Operating cash flow482.39Capital expenditure−63.16Free cash flow419.23 −66.2%Dividends paid−347.48Fiscal year 2025Operating cash flow55.41Capital expenditure−84.66Free cash flow−29.25 −107.0%Dividends paid−600.34
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 736.15 −416.36 1,022.49 1,855.59 −819.99 −594.68 −358.99 1,315.76 482.39 55.41
Capital expenditure −62.36 −58.77 −68.33 −57.39 −50.61 −58.00 −58.39 −74.43 −63.16 −84.66
Free cash flow 673.80 −475.13 954.16 1,798.20 −870.61 −652.67 −417.38 1,241.33 419.23 −29.25
Growth −170.5% +88.5% −148.4% −66.2% −107.0%
Dividends paid −336.66 −330.65 −423.61 −355.14 −331.26 −310.47 −464.98 −485.19 −347.48 −600.34

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash and securitiesTotal debt
Fiscal year 2016Cash and securities2,486.20Total debt6,256.63Net cash (debt)−3,770.43Shareholders’ equity2,908.86Debt to equity2.15Fiscal year 2017Cash and securities1,634.34Total debt6,772.46Net cash (debt)−5,138.12Shareholders’ equity3,106.04Debt to equity2.18Fiscal year 2018Cash and securities2,256.16Total debt7,268.20Net cash (debt)−5,012.05Shareholders’ equity3,199.30Debt to equity2.27Fiscal year 2019Cash and securities3,711.33Total debt7,411.70Net cash (debt)−3,700.36Shareholders’ equity3,398.87Debt to equity2.18Fiscal year 2020Cash and securities2,894.62Total debt7,069.46Net cash (debt)−4,174.84Shareholders’ equity3,620.09Debt to equity1.95Fiscal year 2021Cash and securities2,891.90Total debt16,055.62Net cash (debt)−13,163.72Shareholders’ equity4,333.21Debt to equity3.71Fiscal year 2022Cash and securities2,079.89Total debt8,864.77Net cash (debt)−6,784.88Shareholders’ equity4,854.38Debt to equity1.83Fiscal year 2023Cash and securities2,760.72Total debt10,366.50Net cash (debt)−7,605.78Shareholders’ equity5,217.76Debt to equity1.99Fiscal year 2024Cash and securities2,771.00Total debt4,337.95Net cash (debt)−1,566.95Shareholders’ equity5,254.56Debt to equity0.83Fiscal year 2025Cash and securities2,093.06Total debt3,434.24Net cash (debt)−1,341.18Shareholders’ equity5,616.36Debt to equity0.61
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash and securities 2,486.20 1,634.34 2,256.16 3,711.33 2,894.62 2,891.90 2,079.89 2,760.72 2,771.00 2,093.06
Total debt 6,256.63 6,772.46 7,268.20 7,411.70 7,069.46 16,055.62 8,864.77 10,366.50 4,337.95 3,434.24
Net cash (debt) −3,770.43 −5,138.12 −5,012.05 −3,700.36 −4,174.84 −13,163.72 −6,784.88 −7,605.78 −1,566.95 −1,341.18
Shareholders’ equity 2,908.86 3,106.04 3,199.30 3,398.87 3,620.09 4,333.21 4,854.38 5,217.76 5,254.56 5,616.36
Debt to equity 2.15 2.18 2.27 2.18 1.95 3.71 1.83 1.99 0.83 0.61

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
18.6% 20.2% 21.9% 22.0% 20.5% 20.6% 10.4% 14.1% 20.4% 16.7%
Returns
16.4% 18.1% 18.6% −18.2% −15.1% −19.4% 16.3% 11.1% 16.2% 18.2%
1.3% 1.6% 1.5% −1.2% −1.0% −1.3% 1.2% 0.8% 1.2% 1.5%
Balance and payout
2.15 2.18 2.27 2.18 1.95 3.71 1.83 1.99 0.83 0.61
92.1% 91.2% 91.7% 93.1% 93.3% 93.1% 92.7% 92.5% 92.2% 91.6%
70.7% 58.7% 71.2% n/a n/a n/a 58.7% 83.7% 40.7% 58.8%
50.0% n/a 44.4% 19.7% n/a n/a n/a 39.1% 82.9% n/a