Bancontander Chile (FRA:BSA) Altman Z-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:BSA Banco Santander Chile FRA:BSA
72 GF Score
Price €29.00
GF Value €25.78
! 9 Warning Signs
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What is Bancontander Chile Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

FRA:BSA
72GF Score
Banco Santander Chile FRA:BSA
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Bancontander Chile (FRA:BSA) Overvalued in 2026?

Based on GuruFocus' analysis, Bancontander Chile stock appears to be overvalued. The current stock price of €29.00 is trading 12.5% above its estimated GF Value™ of €25.78.

Key valuation signals for FRA:BSA:

  • Altman Z-Score:
  • GF Value™: €25.78 vs. price of €29.00 (12.5% above fair value)
  • GF Score™: 72/100 with 9 warning signs

No single metric tells the full story. See the FRA:BSA 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.
72GF Score

Get the complete analysis for FRA:BSA

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

€29.00
Price
€25.78
GF Value