Banco Santander-Chile (BSAC) Cash Flow: Operating & Free Cash Flow

Banco Santander-Chile Cash Flow Statement Analysis

Values in trillions CLP

Income Statement Balance Sheet Cash Flow Ratios

Scale:

Scroll to see more

Cash flow statement showing operating, investing, and financing activities for Banco Santander-Chile (BSAC) - Annual data in trillions CLP
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	1.05	0.85	0.50	0.81	0.84	0.22	0.62	0.60	0.58
Depreciation & Amortization	0.00	0.14	0.14	0.13	0.12	0.11	0.11	0.08	0.08
Deferred Income Tax	0.00	0.01	0.00	-0.05	0.23	-0.03	0.04	-0.03	-0.01
Stock Based Compensation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Change in Working Capital	0.48	0.47	-2.63	-0.92	-3.32	-0.70	-0.52	-0.87	-1.11
Change in Accounts Receivable	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.06
Change in Accounts Payable	0.00	0.00	0.00	-2.68	0.00	0.00	0.00	0.00	-0.73
Change in Other Working Capital	0.48	0.47	-2.63	1.41	-0.63	-0.70	-0.52	-0.87	-2.44
Other Operating Activities	-0.83	-0.99	-0.18	-2.03	-0.63	-0.42	1.61	1.24	0.05
Net Cash from Operating Activities	0.70	0.48	-2.17	-0.53	-0.59	-0.82	1.86	1.02	-0.42
Investing Activities
Capital Expenditures	-0.08	-0.11	-0.06	-0.06	-0.09	-0.09	-0.09	-0.10	-0.09
Acquisitions	0.00	0.00	0.00	0.02	0.00	0.01	0.00	0.00	0.00
Purchases of Investments	0.00	0.00	0.00	-0.65	-0.01	-3.02	-0.06	0.00	0.00
Sales/Maturities of Investments	0.00	0.00	0.00	0.63	0.00	3.01	0.00	0.00	0.00
Other Investing Activities	-1.29	-0.04	-0.04	0.02	-0.03	0.02	-0.02	-0.02	-0.01
Net Cash from Investing Activities	-1.29	-0.11	-0.10	-0.09	-0.08	-0.07	-0.14	-0.09	-0.07
Financing Activities
Debt Repayment	1.07	-0.03	0.44	-0.02	-0.05	0.43	-0.03	0.00	0.00
Dividends Paid	-0.57	-0.35	-0.49	-0.46	-0.31	-0.33	-0.36	-0.42	-0.33
Other Financing Activities	-0.55	0.00	3.00	0.00	0.60	0.00	0.00	0.00	0.00
Net Cash from Financing Activities	-0.05	-0.37	2.95	-0.21	0.24	0.10	-0.39	-0.42	-0.33
Summary
Effect of Forex Changes on Cash	0.64	0.01	0.00	0.03	0.44	-0.03	0.13	0.11	-0.03
Net Change in Cash	-2.77	0.01	0.68	-0.81	-0.44	-0.82	1.46	0.62	-0.85
Cash at Beginning of Period	2.77	2.76	2.08	2.89	2.89	3.71	2.26	1.63	2.49
Cash at End of Period	0.00	2.77	2.76	2.08	2.89	2.89	3.71	2.26	1.63
Free Cash Flow	0.62	0.37	-2.22	-0.59	-0.68	-0.91	1.77	0.92	-0.51
Supplemental Disclosures
Interest Paid	3.19	4.08	4.14	2.52	1.11	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Banco Santander-Chile Cash Flow

What is Banco Santander-Chile's free cash flow?

Banco Santander-Chile generated free cash flow of CLP 624.40B in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of CLP 704.90B minus CLP 80.50B of capital expenditures. That was up 66.7% from CLP 374.67B a year earlier. Free cash flow equaled 13.4% of revenue.

How much does Banco Santander-Chile spend on capital expenditures?

Banco Santander-Chile spent CLP 80.50B on capital expenditures in fiscal 2025, compared with CLP 107.72B a year earlier. That equals 11.4% of operating cash flow.

Does Banco Santander-Chile pay dividends or buy back shares?

Yes. In fiscal 2025 Banco Santander-Chile returned CLP 570.84B in dividends to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition