BSAC

Banco Santander-ChileC

NYSE / Banks

At close

2026-07-18

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

Mixed

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -0.0.

What can break

CLP volatility harming ADR valuation

Momentum

Value

Sentiment

Setup hits (3d)

— · Net —

AI TargetsBase $27.67 · Bull $34.26 · Bear $21.08

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2025-09-27 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net —

Target $35.54

Why

Momentum44 · Δ7d +15.8

Value64 · Δ7d -0.0

Sentiment42 · Δ7d +0.1

So what

Balanced signals. Wait for confirmation before sizing up.

Setup hits not loaded

Load setup hits to see net bias and recent triggers.

Load setup hits

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+15.8

Δ21d

-5.7

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.0

Δ21d

-0.3

Sentiment

34% active weight

Current posture

7d trendFlat

Δ7d

+0.1

Δ21d

-3.6

Why this grade

Composite grade C. Momentum 43.7 / Value 64.4 / Sentiment 42.5

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$15.5B

Beta

0.84

Shares Out

188.45B

P/E (TTM)

12.8

P/S (TTM)

3.97

P/FCF (TTM)

11.96

Rev YoY

-20.0%

EPS YoY

+6.8%

Gross Margin

Op Margin

+37.5%

Net Debt

$14.58B

Current Ratio

0.48

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology