Bancontander ChileSTU:BSA +1.45%72 FCF Margin % is 12.53% as of Mar. 2026, which is 117% above its 10-year median of 5.78. GuruFocus rates STU:BSA with a GF Score™ of 72/100 and a GF Value™ of €26.37 (Fairly Valued). The stock has 8 warning signs investors should review. Among 1,505 Banks companies, Bancontander Chile ranks worse than 73.36% on this metric.
The historical rank and industry rank for Bancontander Chile's FCF Margin % or its related term are showing as below:
STU:BSA'
s FCF Margin % Range Over the Past 10 Years
Min: -44.46 Med: 5.78 Max: 92.61
Current: 0.8
During the past 13 years, the highest FCF Margin % of Bancontander Chile was 92.61%. The lowest was -44.46%. And the median was 5.78%.
STU:BSA's FCF Margin % is ranked worse than 73.36% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs STU:BSA: 0.80
Bancontander Chile FCF Margin % Related Terms
Bancontander Chile FCF Margin % Historical Data
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The historical data trend for Bancontander Chile's FCF Margin % 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.
For the Banks - Regional subindustry, Bancontander Chile's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bancontander Chile's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Bancontander Chile's FCF Margin % falls into.
* 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 (STU:BSA) has a FCF Margin % of 12.53% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bancontander Chile and its competitors. This is 117% above median its historical median of 5.78. According to the industry distribution chart, Bancontander Chile ranks #1104 out of 1505 companies in the Banks industry, placing it in the top 73.4%.
Is Bancontander Chile's FCF Margin % too high?
Bancontander Chile's current FCF Margin % of 12.53% is 117% above median its 10-year median of 5.78. The Banks industry median FCF Margin % is 26.55. Bancontander Chile's value of 12.53% is 52.8% below this industry median. Based on the distribution chart, Bancontander Chile ranks #1104 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Bancontander Chile has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bancontander Chile's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Bancontander Chile ranks #1104 out of 1505 companies for FCF Margin %. This places Bancontander Chile in the lower half of its industry. The industry median FCF Margin % is 26.55. Bancontander Chile's value of 12.53% is 52.8% below this benchmark. While the company's 10-year median is 5.78 vs. the industry median of 26.55, Bancontander Chile has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancontander Chile's current FCF Margin % of 12.53% is 52.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bancontander Chile and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancontander Chile's current FCF Margin % is 12.53%, which is 117% above median its own 10-year median of 5.78. 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 (STU:BSA) is currently considered Fairly Valued. The stock's GF Value™ is €26.37, compared to a current price of €28.00 — trading 6.2% above its estimated fair value. The current FCF Margin % is 12.53%, which is 117% above median its 10-year median of 5.78 and 52.8% below the Banks industry median of 26.55. Bancontander Chile's overall GF Score™ is 72/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Bancontander Chile (STU:BSA), the current FCF Margin % is 12.53% 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 (STU:BSA) Overvalued in 2026?
Based on GuruFocus' analysis, Bancontander Chile stock appears to be overvalued.
The current stock price of €28.00 is trading 6.2% above its estimated GF Value™ of €26.37.
GuruFocus considers Bancontander Chile to be Fairly Valued.
Key valuation signals for STU:BSA:
FCF Margin %: 12.53% (117% above median its 10-year median of 5.78)
GF Value™: €26.37 vs. price of €28.00 (6.2% above fair value)
Industry Position: 52.8% below the Banks median (#1104 of 1505)
No single metric tells the full story. See the STU:BSA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
72GF Score
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