Banco Santander Chile (BSAC) financial statements

Financial Services · Banks - Regional · Market cap $15.6B

Net income was 1.02T CLP.

Free cash flow was -82.1B CLP, and the company returned 600.3B CLP in dividends.

Revenue and free cash flow

Fiscal years, $ billions (CLP).

-1,00001,0002,0003,0002016201720182019202020212022202320242025RevenueFree cash flow
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Income statement

Fiscal years, in CLP, from Banco Santander Chile's 10-K filings with the SEC.

Fiscal year2016201720182019202020212022202320242025
Revenue1.68T CLP1.80T CLP1.83T CLP1.92T CLP2.02T CLP2.27T CLP————
Cost of revenue———1.6B CLP——————
Gross profit———1.92T CLP——————
Research and development———2.8B CLP1.6B CLP2.3B CLP2.6B CLP1.8B CLP627M CLP592M CLP
Selling, general and admin-226.4B CLP-230.1B CLP245.1B CLP233.6B CLP250.4B CLP280.1B CLP310.2B CLP320.1B CLP366.4B CLP387.6B CLP
Operating income584.5B CLP716.3B CLP761.7B CLP793.5B CLP693.9B CLP1.07T CLP————
Interest expense855.7B CLP731.8B CLP829.9B CLP904.4B CLP638.5B CLP1.11T CLP2.28T CLP3.16T CLP2.15T CLP1.69T CLP
Pre-tax income587.5B CLP717.5B CLP763.1B CLP794.7B CLP695.3B CLP1.07T CLP901.1B CLP691.4B CLP1.08T CLP1.25T CLP
Income tax109.0B CLP145.0B CLP167.1B CLP175.1B CLP142.5B CLP221.7B CLP93.6B CLP97.5B CLP219.7B CLP207.4B CLP
Net income476.1B CLP562.8B CLP595.3B CLP-619.1B CLP-547.6B CLP-842.5B CLP792.3B CLP579.4B CLP853.0B CLP1.02T CLP
EPS (diluted)2.53 CLP2.99 CLP3.16 CLP3.29 CLP2.91 CLP4.47 CLP4.20 CLP3.08 CLP4.53 CLP5.42 CLP
Diluted shares188.45B188.45B188.45B188.45B188.45B188.45B188.45B188.45B188.45B188.45B
Gross margin———99.9%——————
Operating margin34.7%39.9%41.5%41.4%34.4%47.3%————
Net margin28.3%31.3%32.5%-32.3%-27.1%-37.1%————

Balance sheet

Fiscal years, in CLP, from Banco Santander Chile's 10-K filings with the SEC.

Fiscal year2016201720182019202020212022202320242025
Cash and short-term investments2.49T CLP1.63T CLP2.26T CLP3.71T CLP2.89T CLP2.89T CLP2.08T CLP2.76T CLP2.77T CLP2.09T CLP
Receivables397.0B CLP485.7B CLP77.0B CLP270.2B CLP133.7B CLP73.3B CLP154.0B CLP98.3B CLP329.3B CLP714.6B CLP
Property, plant and equipment257.4B CLP242.5B CLP253.6B CLP250.8B CLP240.9B CLP236.9B CLP238.1B CLP251.8B CLP251.8B CLP242.5B CLP
Goodwill———————0 CLP0 CLP0 CLP
Total assets37.03T CLP35.82T CLP39.13T CLP50.57T CLP55.70T CLP63.84T CLP68.42T CLP70.78T CLP68.40T CLP68.15T CLP
Long-term debt6.26T CLP6.77T CLP7.27T CLP7.41T CLP7.07T CLP7.23T CLP————
Total liabilities34.09T CLP32.68T CLP35.89T CLP47.10T CLP52.00T CLP59.41T CLP63.46T CLP65.44T CLP63.04T CLP62.41T CLP
Shareholders' equity2.91T CLP3.11T CLP3.20T CLP3.40T CLP3.62T CLP4.33T CLP4.85T CLP5.22T CLP5.25T CLP5.62T CLP
Net debt5.08T CLP5.70T CLP6.07T CLP6.02T CLP5.49T CLP5.69T CLP6.78T CLP7.61T CLP1.57T CLP1.34T CLP

Cash flow

Fiscal years, in CLP, from Banco Santander Chile's 10-K filings with the SEC.

Fiscal year2016201720182019202020212022202320242025
Operating cash flow736.2B CLP-416.4B CLP1.02T CLP1.86T CLP-820.0B CLP-594.7B CLP-359.0B CLP1.32T CLP482.4B CLP55.4B CLP
Capital spending89.6B CLP91.4B CLP97.9B CLP90.2B CLP85.8B CLP86.8B CLP113.3B CLP119.5B CLP107.7B CLP137.5B CLP
Free cash flow646.5B CLP-507.8B CLP924.6B CLP1.77T CLP-905.8B CLP-681.4B CLP-472.3B CLP1.20T CLP374.7B CLP-82.1B CLP
Dividends paid336.7B CLP330.6B CLP423.6B CLP355.1B CLP331.3B CLP310.5B CLP465.0B CLP485.2B CLP347.5B CLP600.3B CLP
Free cash flow margin38.4%-28.2%50.4%92.0%-44.9%-30.0%————
Dividends per share1.79 CLP1.75 CLP2.25 CLP1.88 CLP1.76 CLP1.65 CLP2.47 CLP2.57 CLP1.84 CLP3.19 CLP
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Questions

How much free cash flow does Banco Santander Chile generate?

-82.1B CLP in fiscal 2025 (operating cash flow minus capital spending).

From Banco Santander Chile's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.