BSAC FY 2025 Earnings Report — Banco Santander-Chile Revenue & Financial Results | Market Cap Arena

Banco Santander-ChileBSAC

FY 2025 Earnings

Reported February 27, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$2.6B	—	$5.5B	—	-53.0%
Op. Income	$1.5B	—	$1.2B	—	26.9%
Gross Margin	98.7%	—	42.6%	—	56.1pp
Net Margin	45.7%	—	17.4%	—	28.3pp
EPS (Diluted)	$2.52	—	$2.04	—	23.4%
Free Cash Flow	$703M	—	$422M	—	66.7%

Revenue Flow

Item	Amount
REVENUE	$2.6B
Cost of Revenue	$2.7B
GROSS PROFIT	$2.6B
R&D Expenses	$0
Selling & Marketing	$24M
General & Administrative	$847M
SG&A Expenses	$871M
Other Expenses	$289M
Operating Expenses	$1.2B
Cost & Expenses	$1.1B
OPERATING INCOME	$1.5B
Interest Income	$4.1B
Interest Expense	$1.9B
Other Income/Expenses	-$105M
INCOME BEFORE TAX	$1.4B
Income Tax Expense	$234M
Net Income from Continuing Ops	$1.2B
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$1.2B
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$1.2B
D&A	$93M
EBIT	$1.3B
EBITDA	$1.4B
EPS	$3
EPS Diluted	$3

Income Statement

Item	Amount
REVENUE	$2.6B
Cost of Revenue	$2.7B
GROSS PROFIT	$2.6B
R&D Expenses	$0
Selling & Marketing	$24M
General & Administrative	$847M
SG&A Expenses	$871M
Other Expenses	$289M
Operating Expenses	$1.2B
Cost & Expenses	$1.1B
OPERATING INCOME	$1.5B
Interest Income	$4.1B
Interest Expense	$1.9B
Other Income/Expenses	-$105M
INCOME BEFORE TAX	$1.4B
Income Tax Expense	$234M
Net Income from Continuing Ops	$1.2B
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$1.2B
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$1.2B
D&A	$93M
EBIT	$1.3B
EBITDA	$1.4B
EPS	$3
EPS Diluted	$3

Cash Flow Statement

Item	Amount
Net Income	$1.2B
Depreciation & Amortization	$0
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	-$936M
Change in Working Capital	$544M
OPERATING CASH FLOW	$793M
Capital Expenditure	-$91M
Acquisitions (Net)	$0
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	-$1.5B
NET CASH FROM INVESTING	-$1.5B
Net Debt Issuance	$1.2B
Common Stock Repurchased	$0
Common Dividends Paid	-$642M
Other Financing Activities	-$615M
NET CASH FROM FINANCING	-$56M
FREE CASH FLOW	$703M
Net Change in Cash	-$3.1B

Balance Sheet

Item	Amount
Cash & Equivalents	$5.9B
Short-Term Investments	$1.6B
Net Receivables	$112M
Inventory	$0
Other Current Assets	-$5.4B
TOTAL CURRENT ASSETS	$2.2B
PP&E (Net)	$0
Goodwill	$0
Intangible Assets	$103M
Long-Term Investments	$63.0B
Tax Assets	$0
Other Non-Current Assets	$11.3B
TOTAL NON-CURRENT ASSETS	$74.4B
TOTAL ASSETS	$76.6B
Account Payables	$729M
Short-Term Debt	$9.1B
Deferred Revenue	$0
Other Current Liabilities	$26.7B
TOTAL CURRENT LIABILITIES	$36.8B
Long-Term Debt	$9.0B
Deferred Revenue NC	$7M
Deferred Tax Liabilities	$2M
Other Non-Current Liabilities	$52.3B
TOTAL NON-CURRENT LIABILITIES	$33.4B
TOTAL LIABILITIES	$70.2B
Common Stock	$1.0B
Additional Paid-In Capital	$0
Retained Earnings	$745M
Treasury Stock	$0
Accum. Other Comp. Income	$3.9B
Other Equity	$708M
TOTAL STOCKHOLDERS' EQUITY	$6.3B
Minority Interest	$135M
TOTAL EQUITY	$6.5B
TOTAL LIABILITIES & EQUITY	$76.6B
Total Debt	$18.2B
Net Debt	$12.3B