Bancontander Chile (BSP:B1SA34) E10: R$5.14 (As of Mar. 2026)


BSP:B1SA34 Banco Santander Chile BSP:B1SA34
71 GF Score
Price R$84.32
GF Value R$75.72
Valuation Modestly Overvalued
! 8 Warning Signs
View Full Analysis

What is Bancontander Chile E10?

Bancontander Chile BSP:B1SA34 +1.05% 71 E10 is R$5.14 as of Mar. 2026. GuruFocus rates BSP:B1SA34 with a GF Score™ of 71/100 and a GF Value™ of R$75.72 (Modestly Overvalued). The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Bancontander Chile's adjusted earnings per share data for the three months ended in Mar. 2026 was R$1.604. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is R$5.14 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bancontander Chile's average E10 Growth Rate was 6.40% per year. During the past 3 years, the average E10 Growth Rate was 4.90% per year. During the past 5 years, the average E10 Growth Rate was 8.10% per year. During the past 10 years, the average E10 Growth Rate was 6.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Bancontander Chile was 11.30% per year. The lowest was 3.50% per year. And the median was 7.15% per year.

As of today (2026-07-01), Bancontander Chile's current stock price is R$84.32. Bancontander Chile's E10 for the quarter that ended in Mar. 2026 was R$5.14. Bancontander Chile's Shiller PE Ratio of today is 16.40.

During the past 13 years, the highest Shiller PE Ratio of Bancontander Chile was 19.73. The lowest was 8.11. And the median was 13.07.


Bancontander Chile  (BSP:B1SA34) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Bancontander Chile's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=84.32/5.14
=16.40

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Bancontander Chile was 19.73. The lowest was 8.11. And the median was 13.07.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Bancontander Chile E10 Related Terms


Bancontander Chile E10 Historical Data

* Premium members only.

The historical data trend for Bancontander Chile's E10 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 E10 Chart

Bancontander Chile Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.48 4.81 4.38 5.17 5.53

Bancontander Chile Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 5.27 5.03 4.93 5.53 5.14

BSP:B1SA34 vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Bancontander Chile's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Bancontander Chile Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bancontander Chile's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Bancontander Chile's Shiller PE Ratio falls into.


BSP:B1SA34
71GF Score
Banco Santander Chile BSP:B1SA34
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bancontander Chile E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Bancontander Chile's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.604/160.1946*160.1946
=1.604

Current CPI (Mar. 2026) = 160.1946.

Bancontander Chile Quarterly Data

per share eps CPI Adj_EPS
201606 0.622 103.965 0.958
201609 0.630 104.521 0.966
201612 0.580 104.532 0.889
201703 0.714 105.752 1.082
201706 0.792 105.730 1.200
201709 0.729 106.035 1.101
201712 0.729 106.907 1.092
201803 0.870 107.670 1.294
201806 0.970 108.421 1.433
201809 0.832 109.369 1.219
201812 0.943 109.653 1.378
201903 0.764 110.339 1.109
201906 1.013 111.352 1.457
201909 0.844 111.821 1.209
201912 0.665 112.943 0.943
202003 0.888 114.468 1.243
202006 0.588 114.283 0.824
202009 0.852 115.275 1.184
202012 1.498 116.299 2.063
202103 1.506 117.770 2.049
202106 1.364 118.630 1.842
202109 1.264 121.431 1.668
202112 2.112 124.634 2.715
202203 1.558 128.850 1.937
202206 1.769 133.448 2.124
202209 1.112 138.101 1.290
202212 0.546 140.574 0.622
202303 0.929 143.145 1.040
202306 0.826 143.538 0.922
202309 0.334 145.172 0.369
202312 1.539 146.109 1.687
202403 0.657 148.551 0.708
202406 1.347 149.592 1.442
202409 1.543 151.212 1.635
202412 1.818 152.774 1.906
202503 1.816 155.783 1.867
202506 1.716 155.754 1.765
202509 1.453 157.866 1.474
202512 1.671 158.039 1.694
202603 1.604 160.195 1.604

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of R$5.14 mean?
Bancontander Chile (BSP:B1SA34) has a E10 of R$5.14 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bancontander Chile and its competitors.
Is Bancontander Chile's E10 too high?
Bancontander Chile's current E10 is R$5.14. Overall, Bancontander Chile has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bancontander Chile's E10 compare to PNC and USB?
Bancontander Chile's E10 of R$5.14 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bancontander Chile and its competitors. Bancontander Chile's current E10 is R$5.14. 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 (BSP:B1SA34) is currently considered Modestly Overvalued. The stock's GF Value™ is R$75.72, compared to a current price of R$84.32 — trading 11.4% above its estimated fair value. The current E10 is R$5.14. Bancontander Chile's overall GF Score™ is 71/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Bancontander Chile (BSP:B1SA34), the current E10 is R$5.14 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 (BSP:B1SA34) Overvalued in 2026?

Based on GuruFocus' analysis, Bancontander Chile stock appears to be overvalued. The current stock price of R$84.32 is trading 11.4% above its estimated GF Value™ of R$75.72. GuruFocus considers Bancontander Chile to be Modestly Overvalued.

Key valuation signals for BSP:B1SA34:

  • E10: R$5.14
  • GF Value™: R$75.72 vs. price of R$84.32 (11.4% above fair value)
  • GF Score™: 71/100 with 8 warning signs

No single metric tells the full story. See the BSP:B1SA34 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.
71GF Score

Get the complete analysis for BSP:B1SA34

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$84.32
Price
R$75.72
GF Value