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BSAC vs IFS
Which Stock Would AI Choose? Banco Santander-Chile (BSAC) vs. Intercorp Financial Services Inc. (IFS) Stock Comparison
Key Takeaways
- Banco Santander-Chile (BSAC) boasts a larger market capitalization of approximately $16.85 billion compared to Intercorp Financial Services Inc. (IFS)'s $5.02 billion, reflecting greater scale in regional banking.
- BSAC shows stronger year-to-date returns at 14.17%, outperforming IFS's 7.23%, amid stable performance in recent market activity.
- IFS trades at a lower trailing P/E ratio of around 9.17 versus BSAC's 14.85, suggesting relative value for growth-oriented investors.
- Both stocks offer attractive dividend yields near 3.5-3.7%, with recent announcements bolstering shareholder returns.
- BSAC exhibits lower volatility with a beta of 0.38 compared to IFS's 0.70, appealing to risk-averse traders.
- Recent earnings reports highlight profitability, with IFS posting record net income in Q4 2025 and BSAC maintaining solid ROE (return on equity) above 22%.
Introduction
Banco Santander-Chile (BSAC) and Intercorp Financial Services Inc. (IFS) represent key players in South American regional banking, offering exposure to Chile and Peru's growing economies. This stock comparison analyzes their business models, recent performance, and market positioning, aiding traders seeking diversified emerging market opportunities and investors evaluating value versus stability. With both stocks influenced by regional interest rates, loan growth, and economic sentiment shifts in recent weeks, understanding their contrasts helps in assessing relative performance and potential trade-offs in the current environment.
BSAC Overview and Recent Performance
Banco Santander-Chile (BSAC), a subsidiary of the global Santander Group, provides comprehensive retail, commercial, and wholesale banking services in Chile. Operating in the Financial Services sector under Banks - Regional industry, it maintains a strong presence with a market cap of $16.85 billion. In recent market activity, BSAC has traded around $35.78, near its 52-week high of $37.72, supported by year-to-date gains of 14.17%. Sentiment has been bolstered by solid Q4 2025 earnings and a dividend policy reinforcing its 3.70% yield, amid stable Chilean economic conditions and controlled inflation influencing net interest income (NII, revenue from interest-bearing assets minus interest expenses).
IFS Overview and Recent Performance
Intercorp Financial Services Inc. (IFS) delivers integrated financial solutions in Peru, encompassing banking, insurance, and wealth management through its subsidiaries. Also in the Financial Services sector and Banks - Regional industry, it holds a market cap of about $5.02 billion. Recently, IFS shares have fluctuated around $45.21 within a 52-week range of $30.59 to $53.00, with year-to-date returns at 7.23%. Performance reflects robust Q4 2025 results with record net income driven by loan expansion and insurance growth, alongside a dividend hike to $1.80 per share, enhancing its 3.50% yield amid Peru's recovering economy and positive analyst updates.
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Head-to-Head Comparison
BSAC and IFS both focus on regional banking but diverge in scale and diversification: BSAC leverages global backing for wholesale operations, while IFS integrates insurance for broader revenue streams. Growth drivers include IFS's loan and insurance expansion versus BSAC's steady retail focus. Recent momentum favors BSAC's YTD outperformance, though IFS offers value via lower P/E. Risk factors highlight IFS's higher beta and Peru's volatility against BSAC's stability. Sector exposure ties both to LatAm interest rates, with market sentiment lifted by dividends but tempered by regional economic shifts.
Tickeron AI Verdict
Tickeron’s AI would currently favor BSAC due to its superior year-to-date momentum, lower volatility, and consistent trend stability in recent weeks, positioning it better for balanced portfolios amid uncertain emerging market conditions. While IFS presents compelling value metrics and growth catalysts, BSAC's relative strength suggests higher probability of near-term outperformance.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BSAC is a Buy and IFS is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BSAC’s FA Score shows that 3 FA rating(s) are green whileIFS’s FA Score has 3 green FA rating(s).
- BSAC’s FA Score: 3 green, 2 red.
- IFS’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BSAC’s TA Score shows that 6 TA indicator(s) are bullish while IFS’s TA Score has 6 bullish TA indicator(s).
- BSAC’s TA Score: 6 bullish, 3 bearish.
- IFS’s TA Score: 6 bullish, 4 bearish.
Price Growth
BSAC (@Regional Banks) experienced а -0.90% price change this week, while IFS (@Regional Banks) price change was +3.22% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
BSAC is expected to report earnings on Jul 30, 2026.
IFS is expected to report earnings on Aug 11, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| BSAC | IFS | BSAC / IFS | |
| Capitalization | 15.7B | 6.35B | 247% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 16.592 | 38.564 | 43% |
| P/E Ratio | 13.84 | 10.41 | 133% |
| Revenue | 2.86T | 7.13B | 40,025% |
| Total Cash | N/A | N/A | - |
| Total Debt | 13.7T | 12.3B | 111,358% |
BSAC | IFS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 27 | 26 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 61 Fair valued | 31 Undervalued | |
PROFIT vs RISK RATING 1..100 | 12 | 14 | |
SMR RATING 1..100 | 1 | 9 | |
PRICE GROWTH RATING 1..100 | 44 | 39 | |
P/E GROWTH RATING 1..100 | 28 | 60 | |
SEASONALITY SCORE 1..100 | 65 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
IFS's Valuation (31) in the null industry is in the same range as BSAC (61) in the Regional Banks industry. This means that IFS’s stock grew similarly to BSAC’s over the last 12 months.
BSAC's Profit vs Risk Rating (12) in the Regional Banks industry is in the same range as IFS (14) in the null industry. This means that BSAC’s stock grew similarly to IFS’s over the last 12 months.
BSAC's SMR Rating (1) in the Regional Banks industry is in the same range as IFS (9) in the null industry. This means that BSAC’s stock grew similarly to IFS’s over the last 12 months.
IFS's Price Growth Rating (39) in the null industry is in the same range as BSAC (44) in the Regional Banks industry. This means that IFS’s stock grew similarly to BSAC’s over the last 12 months.
BSAC's P/E Growth Rating (28) in the Regional Banks industry is in the same range as IFS (60) in the null industry. This means that BSAC’s stock grew similarly to IFS’s over the last 12 months.
| BSAC | IFS | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 60% |
| Stochastic ODDS (%) | 2 days ago 64% | 2 days ago 61% |
| Momentum ODDS (%) | 2 days ago 72% | 2 days ago 80% |
| MACD ODDS (%) | 2 days ago 70% | 2 days ago 67% |
| TrendWeek ODDS (%) | 2 days ago 66% | 2 days ago 59% |
| TrendMonth ODDS (%) | 2 days ago 66% | 2 days ago 70% |
| Advances ODDS (%) | 8 days ago 68% | 12 days ago 71% |
| Declines ODDS (%) | 6 days ago 54% | 2 days ago 60% |
| BollingerBands ODDS (%) | 2 days ago 62% | 2 days ago 59% |
| Aroon ODDS (%) | 2 days ago 62% | 2 days ago 66% |
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BSAC and
Correlation & Price change
A.I.dvisor indicates that over the last year, BSAC has been closely correlated with BCH. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if BSAC jumps, then BCH could also see price increases.
| Ticker / NAME | Correlation To BSAC | 1D Price Change % | ||
|---|---|---|---|---|
| BSAC | 100% | +0.74% | ||
| BCH - BSAC | 85% Closely correlated | -0.32% | ||
| ITUB - BSAC | 65% Loosely correlated | +2.74% | ||
| BBD - BSAC | 65% Loosely correlated | +2.08% | ||
| BSBR - BSAC | 62% Loosely correlated | +2.12% | ||
| CIB - BSAC | 57% Loosely correlated | -0.21% | ||
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IFS and
Correlation & Price change
A.I.dvisor indicates that over the last year, IFS has been closely correlated with BAP. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if IFS jumps, then BAP could also see price increases.
| Ticker / NAME | Correlation To IFS | 1D Price Change % | ||
|---|---|---|---|---|
| IFS | 100% | -1.54% | ||
| BAP - IFS | 75% Closely correlated | -0.57% | ||
| BSAC - IFS | 52% Loosely correlated | +0.74% | ||
| BCH - IFS | 47% Loosely correlated | -0.32% | ||
| CIB - IFS | 45% Loosely correlated | -0.21% | ||
| BSBR - IFS | 44% Loosely correlated | +2.12% | ||
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