BSAC (Bancontander Chile) Moat Score: 7/10 (As of Jun. 28, 2026)


BSAC Banco Santander Chile BSAC
77 GF Score
Price $32.12
GF Value $29.82
Valuation Fairly Valued
! 8 Warning Signs
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What is Bancontander Chile Moat Score?

Bancontander Chile BSAC +0.41% 77 Moat Score is 7 as of Jun. 28, 2026. GuruFocus rates BSAC with a GF Score™ of 77/100 and a GF Value™ of $29.82 (Fairly Valued). The stock has 8 warning signs investors should review. Among 1,614 Banks companies, Bancontander Chile ranks better than 99.44% on this metric.

Bancontander Chile has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Bancontander Chile has Wide Moat: Banco Santander Chile possesses a wide moat due to its strong market position, significant customer base, and regulatory barriers in the Chilean banking sector. The bank benefits from economies of scale and brand strength.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bancontander Chile might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Bancontander Chile  (NYSE:BSAC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bancontander Chile Moat Score Related Terms

BSAC vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, Bancontander Chile's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

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

* The bar in red indicates where Bancontander Chile's Moat Score falls into.


BSAC
77GF Score
Banco Santander Chile BSAC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
Bancontander Chile (BSAC) has a Moat Score of 7 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bancontander Chile ranks #9 out of 1614 companies in the Banks industry, placing it in the top 0.59999999999999%.
Is Bancontander Chile's Moat Score too high?
Bancontander Chile's current Moat Score is 7. Based on the distribution chart, Bancontander Chile ranks #9 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bancontander Chile has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bancontander Chile's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, Bancontander Chile ranks #9 out of 1614 companies for Moat Score. This places Bancontander Chile in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bancontander Chile's current Moat Score is 7. 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 $29.82, compared to a current price of $32.12 — trading 7.7% above its estimated fair value. The current Moat Score is 7. Bancontander Chile's overall GF Score™ is 77/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bancontander Chile (BSAC), the current Moat Score is 7 as of Jun. 28, 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 $32.12 is trading 7.7% above its estimated GF Value™ of $29.82. GuruFocus considers Bancontander Chile to be Fairly Valued.

Key valuation signals for BSAC:

  • Moat Score: 7
  • GF Value™: $29.82 vs. price of $32.12 (7.7% above fair value)
  • GF Score™: 77/100 with 8 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.
77GF Score

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

$32.12
Price
$29.82
GF Value