산탄데르(BSAC) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

BSAC

Banco Santander Chile SA ADR

7월 27일 2:38 PM ET (한국 7/28 03:38)

$33.47

-0.27 ▼ -0.80%

산탄데르(BSAC) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$15.8B

미드캡

P/E

14.4

저평가 구간

배당수익률

4.74%

52주 위치

72%

저점 +47% · 고점 -11%

애널리스트

보유

B-

Fundamental health

vs. 배당주 대형주

수익성

Top 37%

성장

Top 48%

밸류에이션

Top 24%

재무 안정

Top 46%

Index ⓘ	-	P/E ⓘ	14.42	EPS (ttm) ⓘ	2.32	Insider Own ⓘ	-	Shs Outstand ⓘ	471.1M	Perf Week ⓘ	1.95%
Market Cap ⓘ	15.77B	Forward P/E ⓘ	11.32	EPS next Y ⓘ	8.21%	Insider Trans ⓘ	-	Shs Float ⓘ	471.1M	Perf Month ⓘ	6.39%
Enterprise Value ⓘ	-	PEG ⓘ	1.47	EPS next Q ⓘ	0.74	Inst Own ⓘ	4.8%	Short Float ⓘ	0.2%	Perf Quarter ⓘ	0.09%
Income ⓘ	1.09B	P/S ⓘ	2.86	EPS this Y ⓘ	5.5%	Inst Trans ⓘ	-	Short Ratio ⓘ	2.25	Perf Half Y ⓘ	-4.89%
Sales ⓘ	5.51B	P/B ⓘ	3.11	EPS next 5Y ⓘ	7.72%	ROA ⓘ	1.51%	Short Interest ⓘ	0.95M	Perf YTD ⓘ	7.59%
Book/sh ⓘ	10.77	P/C ⓘ	-	EPS past 3/5Y ⓘ	5.81% 10.45%	ROE ⓘ	22.55%	52W High ⓘ	-11.27% ($37.72)	Perf Year ⓘ	41.28%
Cash/sh ⓘ	-	P/FCF ⓘ	-	Sales past 3/5Y ⓘ	-0.57% 9.91%	ROIC ⓘ	7.56%	52W Low ⓘ	46.99% ($22.77)	Perf 3Y ⓘ	58.03%
Dividend Est. ⓘ	$1.59 (4.74%)	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	2.72%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	2.11% 2.52%	Perf 5Y ⓘ	78.98%
Dividend TTM ⓘ	1.48	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	-3.09%	Oper. Margin ⓘ	25.09%	ATR (14) ⓘ	0.84	Perf 10Y ⓘ	61.77%
Dividend Ex-Date ⓘ	2026/4/30	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	6.84%	Profit Margin ⓘ	19.85%	RSI (14) ⓘ	53.56	Recom ⓘ	2.83
Dividend Gr. 3/5Y ⓘ	5.01% 9.78%	Current Ratio ⓘ	0.48	Sales Q/Q ⓘ	-20.04%	SMA20 ⓘ	0.57% ($33.28)	Beta ⓘ	0.54	Target Price ⓘ	$35.54
Payout ⓘ	48.12%	Debt/Eq ⓘ	3.52	Earnings ⓘ	2026/4/30	SMA50 ⓘ	3.93% ($32.2)	Rel Volume ⓘ	0.4	Prev Close ⓘ	$33.74
Employees ⓘ	8526	LT Debt/Eq ⓘ	1.85	EPS/Sales Surpr. ⓘ	0.56% -0.46%	SMA200 ⓘ	4.72% ($31.96)	Avg Volume(3M) ⓘ	0.42M	Price ⓘ	$33.47
IPO ⓘ	1997/1/13	Option/Short ⓘ	Yes/Yes			Trades ⓘ	2827	Volume ⓘ	169,291	Change ⓘ	-0.8%

Quarterly earnings trend Quarterly earnings data is not yet available — foreign-listed companies (ADRs) only file annual reports with the U.S., and recently listed companies may not have filed their first quarterly report.

📊 Banco Santander Chile SA ADR (BSAC) Investment Analysis

What kind of company is Banco Santander Chile SA ADR?

산탄데르(BSAC) 배당주

Financial · Banks - Regional

#710 by Market Cap — Mid-Cap

It is one of Chile's largest commercial banks and a subsidiary of Spain's Santander Group. As a leading bank in Chile, it provides a full range of financial services, including deposits, loans, credit cards, and asset management, and is listed on the U.S. market in the form of an ADR.

Learn more about Banco Santander Chile SA ADR →

Market Cap

$15.8B

Approx. KRW 21.6 trillion

⚖️ 5% of Samsung Electronics

Market Cap Rank710

Employees8,526people

IPO1997/01/13

Current Price$33.47 ≈ 45,854원

NYSE · Chile

Key Events

⏰ Upcoming events

🔔 Earnings release

The next release date has not been announced yet.

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 4월 30일 (목) · 장 시작 전 EPS +0.6% 매출 -0.5%

🎯 Ex-div 2026년 4월 30일 (목) 주당 $1.126644

🔔 Earnings release 2026년 1월 15일 (목) · 장 마감 후 EPS +2.1% 매출 +6.8%

🎯 Ex-div 2025년 4월 23일 (수) 주당 $0.991663

Is it profitable?

Profitable but financially weak

High debt load may weigh on results in a downturn

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

25.1%

✓ 양호

My positionMid-range

Low range Average High range

Banks - Regional 대형주 Median 23.2% · Top 38%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

19.9%

✓ 양호

My positionMid-range

Low range Average High range

Banks - Regional 대형주 Median 17.3% · Top 31%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

22.6%

✓ 우수

My positionTop 25%

Low range Average High range

Financial 대형주 Median 12.6% · Top 18%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

1.5%

✓ 평균

My positionMid-range

Low range Average High range

Financial 대형주 Median 1.5% · Bottom 49%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

7.6%

✓ 양호

My positionMid-range

Low range Average High range

Financial 대형주 Median 7.1% · Top 48%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

3.52

✓ Very high debt

My positionBottom 5%

Low range Average High range

Banks - Regional Median 0.42

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.48

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook

Positive and negative signals are mixed

애널리스트 목표가

$35.54

현재가 대비 +6.2%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

11.32배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

PEG (성장 반영 밸류)

1.47

적정

💡 PEG 1~1.5 — 성장 대비 합리적

내년 EPS 예상 성장률

+8.2%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

5년 EPS 예상 연평균

+7.7%

💡 장기 성장 전망. 15% 이상이면 고성장 기업

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

Average Earnings Performance

Mixed beats and misses

예상 상회

예상 부합

예상 하회

50%

상회 비율

+0.1%

평균 서프라이즈

2026.04.30

하회

실적 $0.62 · 예상 $0.63 -1.9%

2026.01.15

상회

+2.1%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Strong Growth

Above the industry average, both historically and going forward

Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+5.5%

양호

My positionMid-range

Low range Average High range

배당주 대형주 Median 5.5% · Top 50%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+8.2%

양호

My positionMid-range

Low range Average High range

배당주 대형주 Median 7.3% · Top 43%

5-Year EPS CAGR Outlook

Projected average annual EPS growth over the next 5 years

+7.7%

양호

My positionMid-range

Low range Average High range

배당주 대형주 Median 6.7% · Top 39%

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

+5.8%

양호

My positionMid-range

Low range Average High range

배당주 대형주 Median 4.1% · Top 45%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

+10.4%

양호

My positionMid-range

Low range Average High range

배당주 대형주 Median 6.3% · Top 36%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+9.9%

우수

My positionTop 25%

Low range Average High range

배당주 대형주 Median 6.7% · Top 25%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

-20.0%

매우 부진

My positionBottom 5%

Low range Average High range

배당주 대형주 Median 5.9% · Bottom tier

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Slightly outperformed the market over 5 years (+11%p)

BSAC +79.0% · S&P 500 +68.0%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

+11.0%p

ahead of the market

1-year basis

vs S&P 500

+24.8%p

ahead of the market

Rank among peers

5-year return Upper-Mid (45%) Based on 29 peers

1-year return Top 18% Based on 30 peers

Current position within 52-week range

Low (-47.0%p) High (-11.3%p)

Current price is 47.0% above the 52-week low and 11.3% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-20.5%

Annualized volatility

37.1%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢

Current diagnosis · 2026-07-24

Uptrend zone

Current price $33.47 above the midline ($33.28). Normal upward flow. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

⚡

Current diagnosis · 2026-07-24

Death cross — bearish reversal signal

MACD(0.388) crossed below Signal(0.404). Trend reversal possible; read as a sell entry point.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-24

Bullish zone

RSI 53.6 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 53.8.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

In line with the industry average

Pricey on Vs. Assets, In line with peers on Vs. Earnings·Vs. Sales

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Mid-range

🏢 Vs. Assets Pricey

🧾 Vs. Sales Mid-range

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

14.42x

✓ Fair

My positionMid-range

Low range Average High range

Banks - Regional 대형주 median 13.18x · Around the industry average

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

11.32x

✓ Fair

My positionMid-range

Low range Average High range

Banks - Regional 대형주 median 10.82x · Around the industry average

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

3.11x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Banks - Regional 대형주 median 1.43x · Bottom 1% — expensive within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

2.86x

✓ Fair

My positionMid-range

Low range Average High range

Banks - Regional 대형주 median 2.44x · Around the industry average

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

Analyst target price (reference)

$35.54 vs. current price +6.2%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Regional 대형주

Who owns it?

Ownership flow is positive

Short interest light 0.2%

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

No trading data for Insiders

🏦 Institutions (funds & investors)

0.0%

Institutions little change

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 4.8%

Retail-led

Financial 대형주 Median 77.0%

🧑‍💼 Insiders 0.0%

Low, common among large-caps

Financial 대형주 Median 0.8%

👤 Retail investors (estimated) 95.2%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

0.2%

Low — limited short-side pressure

Financial 대형주 Median 2.6%

Past 90 days Little change

Short interest days to cover

2.3 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 471.1M주

Float (tradable shares) 471.1M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding BSAC

ETFs with the highest weightings · 10 total shown

EWP

iShares MSCI Spain ETF

18.49%

$2.0B

EUFN

iShares MSCI Europe Financials ETF

5.30%

$4.0B

HEDJ

WisdomTree Europe Hedged Equity Fund

4.61%

$1.8B

ECH

iShares MSCI Chile ETF

4.32%

$991M

IDMO

Invesco S&P International Developed Momentum ETF

3.70%

$4.0B

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

배당주 — 연 4.74% 배당

5년 배당 성장률 9.78%

Dividend Yield

4.74%

Industry average 2.62%

Dividend Per Share

$1.59

Annualized

Payout Ratio

48%

Share of net income paid as dividends

5-Year Growth

9.8%

Annualized dividend growth

📊 총 이력 1997~2025 (31건)

연도별 배당 총액 추이

주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.

$1.05 -7.3%

2016

$1.07 +2.4%

2017

$1.49 +38.6%

2018

$1.13 -23.8%

2019

$0.88 -22.3%

2020

$0.93 +5.6%

2021

$1.22 +31.3%

2022

$1.25 +2.5%

2023

$0.76 -39.6%

2024

$1.33 +75.8%

2025

$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소

최근 배당 이력 총 31건

아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.

배당락일

주당 금액

지급일

당시 수익률

2025-04-23

$1.33

—

5.60%

2024-04-17

$0.756

—

11.22%

2023-04-19

$1.25

—

14.06%

2022-04-21

$1.22

—

10.40%

2021-04-22

$0.929

—

7.66%

2020-11-19

$0.465

—

4.96%

2020-04-24

$0.415

—

2.97%

2019-04-15

$1.13

—

8.90%

2018-04-18

$1.49

—

7.47%

2017-04-19

$1.07

—

8.96%

2016-04-19

$1.05

—

11.09%

2015-04-21

$1.13

—

5.32%

2014-04-15

$1.02

—

8.84%

2013-04-22

$1.05

—

3.99%

2012-04-19

$1.14

—

3.65%

2011-04-15

$1.27

—

6.81%

2010-04-20

$1.03

—

7.09%

2009-04-21

$0.777

—

5.87%

2008-04-15

$0.979

—

8.85%

2007-04-18

$0.737

—

6.98%

2006-04-19

$0.643

—

8.39%

2005-04-27

$0.728

—

6.16%

2004-04-26

$0.729

—

11.93%

2003-05-21

$0.475

—

6.06%

2002-03-15

$0.720

—

16.05%

2001-03-22

$0.608

—

8.25%

2001-03-13

$0.065

—

5.45%

2000-03-13

$0.388

—

12.54%

1999-03-23

$0.550

—

14.16%

1998-03-23

$0.458

—

5.21%

1997-03-05

$0.505

—

4.81%

* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.

💰 내가 100만원 투자한다면

연간 배당금 (세후) 4.0만원

5년 누적 (세후) 24.5만원

* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 9.78% 가정.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
BSAC This Stock	$15.8B	14.4 ▼	3.1 ▼	22.55% ▲	4.74% ▲	-0.8%
BRK-A	$963.8B	14.8 ▼	1.5 ▼	10.49% ▲	-	+1.1%
BRK-B	$960.9B	14.7 ▼	1.5 ▼	10.49% ▲	-	+0.8%
JPM	$946.4B	15.1 ▼	2.7 ▼	17.71% ▲	1.81% ▼	+0.9%
V	$670.3B	31.3 ▼	19.1 ▼	59.8% ▲	0.76% ▼	+1.2%
MA	$476.8B	31.2 ▼	71.2 ▼	232.56% ▲	0.64% ▼	+1.8%
Sector Avg	-	13.6	1.3	9.13%	2.62%	-

FAQ

What kind of company is 산탄데르(BSAC)?

산탄데르(BSAC) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of BSAC?

The market cap of BSAC is approximately $15.8B, ranking 710 within its sector.

Does BSAC pay dividends?

BSAC has a dividend yield of approximately 4.74%, with an annual dividend of $1.59.

What is the P/E ratio of BSAC?

BSAC has a P/E ratio of approximately 14.4x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for BSAC?

BSAC has recorded a 52-week high of $37.72 and a low of $22.77.

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