` BCI (Banco de Credito e Inversiones) vs BSAC (Banco Santander-Chile) Comparison - Alpha Spread

B
BCI
vs
B
BSAC

Over the past 12 months, BCI has outperformed BSAC, delivering a return of +45% compared to the BSAC's +33% growth.

Smart Verdict
AI-Powered

Not Sure Which Stock Wins?
Let AI Decide.
BCI
BSAC
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

B
BCI Intrinsic Value
46 557.26 CLP
Undervaluation 17%
Intrinsic Value
Price
B
BSAC Intrinsic Value
27.5 USD
Undervaluation 9%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
B
Banco de Credito e Inversiones
SGO:BCI
38 800 CLP
B
Banco Santander-Chile
NYSE:BSAC
25.13 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
BCI vs BSAC

BCI
BSAC
Add Stock
Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
B
Banco de Credito e Inversiones
Revenue
B
Banco Santander-Chile
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
BCI vs BSAC

BCI
BSAC
Add Stock
Free Cash Flow
www.alphaspread.com
Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
B
Banco de Credito e Inversiones
SGO:BCI
FCF is not applicable for financial companies
B
Banco Santander-Chile
NYSE:BSAC
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

BCI
BSAC
LTM 3Y Avg 5Y Avg 10Y Avg
B
Banco de Credito e Inversiones
Not applicable for financial companies
B
Banco Santander-Chile
Not applicable for financial companies

Operating Margin

BCI
BSAC
LTM 3Y Avg 5Y Avg 10Y Avg
B
Banco de Credito e Inversiones
Not applicable for financial companies
B
Banco Santander-Chile
Not applicable for financial companies

Net Margin

BCI
26.2%
BSAC
30.6%

FCF Margin

BCI
BSAC
LTM 3Y Avg 5Y Avg 10Y Avg
B
Banco de Credito e Inversiones
Not applicable for financial companies
B
Banco Santander-Chile
Not applicable for financial companies

ROE

BCI
12.7%
BSAC
23.7%

ROA

BCI
1%
BSAC
1.4%

ROIC

BCI
BSAC
LTM 3Y Avg 5Y Avg 10Y Avg
B
Banco de Credito e Inversiones
Not applicable for financial companies
B
Banco Santander-Chile
Not applicable for financial companies

ROCE

BCI
BSAC
LTM 3Y Avg 5Y Avg 10Y Avg
B
Banco de Credito e Inversiones
Not applicable for financial companies
B
Banco Santander-Chile
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
BCI vs BSAC

Loading

Performance Gap
BCI vs BSAC

Loading
BCI
BSAC
Difference
www.alphaspread.com

Performance By Year
BCI vs BSAC

Loading
BCI
BSAC
Add Stock
Not Sure Which Stock Wins?
Let AI Decide
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Compare BCI to other stocks
Unlock Full Access to Alpha Spread
Create Free Account