BSAC (Bancontander Chile) Net Loan: $43,694 Mil (As of Mar. 2026)

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BSAC Banco Santander Chile BSAC
74 GF Score
Price $32.83
GF Value $29.62
Valuation Fairly Valued
! 9 Warning Signs
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What is Bancontander Chile Net Loan?

Bancontander Chile BSAC -0.70% 74 Net Loan is $43,694 Mil as of Mar. 2026. GuruFocus rates BSAC with a GF Score™ of 74/100 and a GF Value™ of $29.62 (Fairly Valued). The stock has 9 warning signs investors should review.

Bancontander Chile's quarterly net loan increased from Sep. 2025 ($40,548 Mil) to Dec. 2025 ($42,733 Mil) and increased from Dec. 2025 ($42,733 Mil) to Mar. 2026 ($43,694 Mil).

Bancontander Chile's annual net loan declined from Dec. 2023 ($44,035 Mil) to Dec. 2024 ($42,733 Mil) but then increased from Dec. 2024 ($42,733 Mil) to Dec. 2025 ($43,694 Mil).

Bancontander Chile Net Loan Historical Data

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The historical data trend for Bancontander Chile's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bancontander Chile Net Loan Chart

Bancontander Chile Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 41,864.72 43,233.25 44,034.51 39,776.90 42,733.44

Bancontander Chile Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 42,673.84 41,418.36 40,547.82 42,733.44 43,693.57
BSAC
74GF Score
Banco Santander Chile BSAC
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Bancontander Chile Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $43,694 Mil mean?
Bancontander Chile (BSAC) has a Net Loan of $43,694 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Bancontander Chile and its competitors.
Is Bancontander Chile's Net Loan too high?
Bancontander Chile's current Net Loan is $43,694 Mil. Overall, Bancontander Chile has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bancontander Chile's Net Loan compare to PNC and USB?
Bancontander Chile's Net Loan of $43,694 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Bancontander Chile and its competitors. Bancontander Chile's current Net Loan is $43,694 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bancontander Chile stock overvalued right now?
Based on GuruFocus' analysis, Bancontander Chile (BSAC) is currently considered Fairly Valued. The stock's GF Value™ is $29.62, compared to a current price of $32.83 — trading 10.8% above its estimated fair value. The current Net Loan is $43,694 Mil. Bancontander Chile's overall GF Score™ is 74/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Bancontander Chile (BSAC), the current Net Loan is $43,694 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bancontander Chile (BSAC) Overvalued in 2026?

Based on GuruFocus' analysis, Bancontander Chile stock appears to be overvalued. The current stock price of $32.83 is trading 10.8% above its estimated GF Value™ of $29.62. GuruFocus considers Bancontander Chile to be Fairly Valued.

Key valuation signals for BSAC:

  • Net Loan: $43,694 Mil
  • GF Value™: $29.62 vs. price of $32.83 (10.8% above fair value)
  • GF Score™: 74/100 with 9 warning signs

No single metric tells the full story. See the BSAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bancontander Chile Business Description

Address Bandera 140, 20th Floor, Santiago, CHL
Founded in 1978, Banco Santander Chile is part of Santander Group and majority-controlled by Santander Spain. It is the largest bank in Chile by loans and the second largest by deposits. The bank generates most of its net interest income (roughly 65% of total revenue) from its mortgages, unsecured consumer credit lines, and commercial loans. Banco Santander's commercial loan business is more focused on small- to medium-size companies, with firms generating more than CLP 10,000 million in revenue only making up around 5% of outstanding loans. Outside of lending, Banco Santander is the largest card issuer in the country with around 25% of the market and benefits from a long-term strategic partnership with the largest airline in the country, LATAM.
74GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.83
Price
$29.62
GF Value