Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data BANCO SANTANDER CHILE files with the SEC in its annual reports.
In CLP millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2017
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Cost of revenue
1,551
Research and development
2,808
1,559
2,305
2,583
1,791
627
592
Selling, general and administrative
245,089
233,612
250,450
280,134
310,219
320,111
366,431
387,605
General and administrative
-226,413
-230,103
245,089
0.23
250,450
280,134
310,219
320,111
366,431
387,605
Operating income
584,451
716,317
761,742
793,542
693,875
1,074,755
Interest expense
638,479
1,109,746
2,516,544
Interest income
-367,034
2,796
53,174
-78,165
Pre-tax income
587,463
717,461
763,066
794,688
695,263
1,074,092
901,106
691,385
1,079,595
1,245,415
Income tax
109,031
145,031
167,144
175,074
142,533
221,664
93,624
97,548
219,745
207,362
Income from continuing operations
3,012
1,144
1,325
1,146
1,388
-475
10,310
8,404
8,421
9,139
Net income to minority interests
2,365
12,448
4,360
2,222
5,116
9,961
15,206
14,410
6,886
16,403
Net income
476,067
562,801
595,333
621,313
552,730
852,428
807,482
579,427
852,964
1,021,650
EBITDA
519,092
638,494
841,022
899,634
803,301
1,196,810
EPS, basic
2.53
2.99
3.16
3.29
2.91
4.47
4.20
3.08
4.53
5.42
EPS, diluted
2.53
2.99
3.16
3.29
2.91
4.47
4.20
3.08
4.53
5.42
Balance sheet
FY2017
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Cash and equivalents
2,486,199
1,634,341
2,256,155
3,711,334
2,894,620
2,891,895
2,079,886
2,760,724
2,771,002
2,093,061
Receivables
396,987
485,736
77,041
270,204
133,718
73,347
154,046
98,308
329,327
714,628
Property, plant and equipment
257,379
242,547
253,586
250,761
240,854
236,939
238,095
251,823
251,846
242,522
Lease right-of-use assets
44,840
48,099
47,486
157,572
147,997
137,879
133,795
100,449
60,792
29,915
Goodwill
0
0
0
Intangible assets
58,085
63,219
66,923
73,389
82,537
95,411
107,789
97,551
88,669
91,475
Total assets
37,030,025
35,823,605
39,132,512
50,574,714
55,703,223
63,841,950
68,422,026
70,781,592
68,403,283
68,147,280
Short-term debt
8,826,583
8,864,765
10,366,499
4,337,947
3,434,237
Total liabilities
34,091,826
32,675,685
35,887,052
8,385,368
9,642,865
59,414,377
63,458,079
65,439,097
63,044,328
62,410,979
Total debt
1,916,368
1,698,357
1,788,626
2,519,818
6,328,599
8,826,583
8,864,765
10,366,499
4,337,947
3,434,237
Retained earnings
370,803
435,228
373,619
393,681
410,501
647,065
679,439
562,368
499,174
661,598
Shareholders' equity
2,908,858
3,106,037
3,199,297
3,398,870
3,620,091
4,333,213
4,854,383
5,217,760
5,254,561
5,616,359
Minority interests
24,341
41,883
46,163
79,633
84,683
94,360
109,564
124,735
104,394
119,942
Total equity
2,938,199
3,147,920
3,245,460
3,478,503
3,704,774
4,427,573
4,963,947
5,342,495
5,358,955
5,736,301
Total liabilities and equity
37,030,025
35,823,605
39,132,512
50,574,714
55,703,223
63,841,950
68,422,026
70,781,592
68,403,283
68,147,280
Cash flow statement
FY2017
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Net income
478,432
575,249
599,693
621,313
552,730
852,428
807,482
593,837
859,850
1,038,053
Depreciation and amortization
-65,359
-77,823
79,280
106,092
109,426
122,055
129,993
143,762
141,435
135,159
Cash from operations
736,153
-416,357
1,022,492
1,855,586
-819,993
-594,679
-358,988
1,315,758
482,388
55,407
Capital expenditures
-62,355
-58,771
-68,329
-57,390
-50,613
-57,995
-58,393
-74,426
-63,161
-84,659
Cash from investing
-90,199
-73,459
-91,565
-141,790
-70,105
-84,271
-94,602
-117,850
-106,580
-104,945
Stock issued
475,390
102,481
0
0
0
Dividends paid
-336,659
-330,645
-423,611
-355,141
-331,255
-310,468
-464,977
-485,191
-347,483
-600,336
Cash from financing
-336,659
-330,645
-423,611
-385,286
102,090
238,661
-384,323
-515,292
-372,847
-621,098
Exchange rate effect
-150,266
-31,398
114,498
126,669
-28,706
437,564
25,904
-1,778
7,317
-7,305
Free cash flow
673,798
-475,128
954,163
1,798,196
-870,606
-652,674
-417,381
1,241,332
419,227
-29,252
Interest paid
855,678
731,755
829,949
904,417
638,479
1,109,746
2,516,544
4,135,540
4,076,146
3,189,844
Key metrics
Worked out from the statements above. Latest values use fiscal 2025. No valuation: the share price is quoted in a different currency than the statements.
Profitability
Metric
Value
How it is calculated
Effective tax rate
16.7%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
18.8%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
1.5%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
19.8%
Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y
8.2%
Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y
13.1%
Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y
19.8%
EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y
8.8%
Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y
13.3%
Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y
-88.5%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow growth, 1y
-107.0%
Free cash flow vs the same period a year earlier. Only from a positive base.
Book value growth, 1y
6.9%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
5.0%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y
9.2%
Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y
-0.4%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
-0.1%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y
4.1%
Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Balance sheet health
Metric
Value
How it is calculated
Debt / equity
0.61x
Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets
5.0%
Total debt / total assets.
Liabilities / assets
91.6%
Total liabilities / total assets.
Net debt
CLP 1.34T
Total debt - cash - short-term investments. Negative means more cash than debt.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
152.8%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
CLP 5.42
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
EPS, basic
CLP 5.42
Net income per basic share, as reported (split-adjusted).
Payout ratio
58.8%
Dividends paid / net income, when net income is positive.
Was BANCO SANTANDER CHILE profitable in fiscal 2025?
Yes. Net income was CLP 1.02T, a net margin of -.
How much free cash flow did BANCO SANTANDER CHILE generate in fiscal 2025?
Cash from operations of CLP 55.41B minus capital expenditures of CLP 84.66B left free cash flow of -CLP 29.25B.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.