BSAC (Bancontander Chile) Scaled Net Operating Assets: 0.13 (As of Mar. 2026)


BSAC Banco Santander Chile BSAC
77 GF Score
Price $32.11
GF Value $30.30
Valuation Fairly Valued
! 8 Warning Signs
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What is Bancontander Chile Scaled Net Operating Assets?

Bancontander Chile BSAC +0.38% 77 Scaled Net Operating Assets is 0.13 as of Mar. 2026. GuruFocus rates BSAC with a GF Score™ of 77/100 and a GF Value™ of $30.30 (Fairly Valued). The stock has 8 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bancontander Chile's operating assets for the quarter that ended in Mar. 2026 was $65,693 Mil. Bancontander Chile's operating liabilities for the quarter that ended in Mar. 2026 was $56,211 Mil. Bancontander Chile's Total Assets for the quarter that ended in Dec. 2025 was $74,564 Mil. Therefore, Bancontander Chile's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.13.

BSAC
77GF Score
Banco Santander Chile BSAC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Bancontander Chile Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bancontander Chile's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(68832.056-53929.395)/69473.99
=0.21

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=74563.875 - 5731.819
=68832.056

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=68287.457 - 14350.809 - 7.253
=53929.395

Bancontander Chile's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(65693.409-56211.018)/74563.875
=0.13

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=76578.804 - 10885.395
=65693.409

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=71217.151 - 14994.327 - 11.806
=56211.018

* 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.

What does a Scaled Net Operating Assets of 0.13 mean?
Bancontander Chile (BSAC) has a Scaled Net Operating Assets of 0.13 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Bancontander Chile and its competitors.
Is Bancontander Chile's Scaled Net Operating Assets too high?
Bancontander Chile's current Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets compare to PNC and USB?
Bancontander Chile's Scaled Net Operating Assets of 0.13 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Bancontander Chile and its competitors. Bancontander Chile's current Scaled Net Operating Assets is 0.13. 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 $30.30, compared to a current price of $32.11 — trading 6% above its estimated fair value. The current Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Bancontander Chile (BSAC), the current Scaled Net Operating Assets is 0.13 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 $32.11 is trading 6% above its estimated GF Value™ of $30.30. GuruFocus considers Bancontander Chile to be Fairly Valued.

Key valuation signals for BSAC:

  • Scaled Net Operating Assets: 0.13
  • GF Value™: $30.30 vs. price of $32.11 (6% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.11
Price
$30.30
GF Value