Banco Santander-Chile · BSAC · Next earnings

Banco Santander-Chile reports Thursday, Jan 28, 2027

BSAC reports before market open with consensus EPS at $0.73 and revenue at $801.3M. Last quarter: BSAC Keeps 2026 Guidance as Q3 Earnings Miss Estimates

Reports Before market open85 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $0.73 Calendar consensus
Consensus revenue $801.3M Calendar consensus
Report date Jan 28, 2027 Thursday, date estimated
Session Before market open 85 days away

Where BSAC left off: FY2026 Q3

Full report

BSAC Keeps 2026 Guidance as Q3 Earnings Miss Estimates

EPS surprise -20.0% Reported $0.52 vs $0.65
Revenue surprise -3.5% Reported $738.6M vs $765.0M
Stock move -3.0% Event window
Subsequent drift +8.7% Up to 20 sessions

Management maintained 2026 guidance. For 2027, it expects loan growth of 6–7%, led by commercial lending, and net interest margin near 4%; these are outlook statements, not reported results.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Fee-margin pressure from competition in acquiring and card payments, particularly at Getnet.
  • Inflation and high oil prices could pressure consumers and prompt tighter monetary policy, affecting margins and demand.
  • Loan-growth and profitability outlook depends on recovering commercial demand and sustained margins.
  • Regulatory uncertainty remains around mortgage and capital-markets reforms.

Questions analysts left open

  • Whether loan-growth market share is sustainable relative to peers.
  • Fee pressure from Getnet and card transaction volumes.
  • Whether cost of risk can remain around 1.4% and how tax-rate changes affect earnings and deferred tax assets.

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Recent BSAC quarters

All BSAC earnings
-3.0%FY2026 Q3

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.