B+
Bull case
25%
Probability
Target price
$34.26
Analysis reference price unavailable
Analysis 2025-09-27 · RankAlpha Sentiment AI
BSAC
Banco Santander-ChileDNYSE / Banks
Last Price
Quote time unavailable
Current thesis
Bull case: Accelerating loan growth in Chile, stable credit costs and a reduced ADR FX/liquidity discount drive modest multiple expansion to peer P/Bs — implied +30% from the ADR anchor.
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +2.0.
What can break
CLP volatility harming ADR valuation
Momentum
63
Value
64
Sentiment
46
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $27.67 · Bull $34.26 · Bear $21.08Analysis 2025-09-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-08 • Model: HYBRID_IC_RP
AI Memo
As of 2025-09-27 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-09-08
Investment thesis
As of 2026-09-08
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-08. Definitions
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $37.32
Why
Momentum63 · Δ7d +5.0
Value64 · Δ7d +0.0
Sentiment46 · Δ7d +2.0
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +2.0.
Contradictions & invalidation
- • CLP volatility harming ADR valuation
- • Regulatory or capital-requirement shifts
- • Bear case: Economic slowdown, rising NPLs and a wider ADR FX/liquidity discount force higher provisions and a rerating — implied -20% from the ADR anchor.
Catalyst clock
No dated catalyst is available.
Q3 2025 results
Lead driver: Sentiment · See AI snapshot
Momentum
63
9% active weight
Current posture
7d trendImproving
Δ7d
+5.0
Δ21d
+8.7
Value
64
28% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
-0.0
Sentiment
46
62% active weight
Current posture
7d trendFlat
Δ7d
+2.0
Δ21d
-2.6
Why this grade
Composite grade D. Momentum 63.0 / Value 64.4 / Sentiment 46.3
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2025-09-27. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$27.67
Analysis reference price unavailable
Analysis 2025-09-27 · RankAlpha Sentiment AI
B-
Bear case
25%
Probability
Target price
$21.08
Analysis reference price unavailable
Analysis 2025-09-27 · RankAlpha Sentiment AI
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$16.35B
Beta
0.84
Shares Out
188.45B
P/E (TTM)
12.8
P/S (TTM)
3.97
P/FCF (TTM)
11.96
Rev YoY
+23.1%
EPS YoY
+47.5%
Gross Margin
-
Op Margin
+26.4%
Net Debt
$14.58B
Current Ratio
0.48
As of 2026-09-08 • Updated nightlySource: Internal modelMethods & Data