SNSE/VCL (SNSE/VCL)

Santiago Stock Exchange: SNSE/VCL · CLP

CLP 401,850

+6240.00 (+1.6%)· Recorded snapshot

Market cap	724.5T
Revenue (ttm)	44.7T
Net income (ttm)	22.9T
EPS (ttm)	CLP 11,473
P/E (trailing)	34.5x
P/E (forward)	26.4x
Dividend	CLP 2,411 (0.60%)

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 44.7T
Net income (ttm): 22.9T
EPS (ttm): CLP 11,473
P/E (trailing): 34.5x
P/E (forward): 26.4x
Market cap: 724.5T

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E26.4

P25 n/aP50 n/aP75 n/a

Trailing P/E34.5

P25 n/aP50 n/aP75 n/a

ROE63.5

P25 n/aP50 n/aP75 n/a

ROIC56

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

S&P 500+0.8%

Nasdaq Composite-1.0%

Dow Jones Industrial Average+1.9%

Russell 2000+0.3%

All SNSE/VCL indicators

Market & fundamental data

Available fields

235

Groups with data

Currency

USD

Showing 235 of 235 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	CLP
Country	United States
Country code	CL
Earnings date	2026-10-27
Employees	34,100
Employees change	2,500
Employees growth	7.91%
Enterprise value	CLP 732.8T
Exchange	Santiago Stock Exchange
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-08-24
Fiscal year end	September
Founded	1958
Industry	Credit Services
Is primary listing	No
ISIN number	US92826C8394
Last earnings date	2026-10-27
Last refreshed	2026-10-28
Market cap	CLP 724.5T
Next earnings date	2027-01-26
Price	CLP 401,850.00
Price currency	CLP
Sector	Financials
SIC code	6099
Stock price date	2026-10-27
Symbol	snse/VCL
Website	https://www.visa.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	31.13x
Average P/E ratio (3Y)	29.49x
Average P/E ratio (5Y)	28.84x
Earnings yield	2.9%
EV/Earnings	32.05x
EV/EBIT	24.98x
EV/EBITDA	23.86x
EV/FCF	34.15x
EV/Sales	16.25x
FCF / EV yield	2.93%
FCF yield	2.96%
Forward P/E	26.39x
Graham number	73417.3129
Graham upside	-81.44%
Lynch fair value	CLP 179,510.97
Lynch upside	-54.62%
P/(FCF - SBC) ratio	35.24x
P/(OCF - SBC) ratio	32.66x
P/B ratio	20.62x
P/E ratio	34.48x
P/FCF ratio	33.76x
P/OCF ratio	31.38x
P/S ratio	16.22x
Price/EBITDA ratio	23.81x
Sector forward P/E	11.93x
Sector P/E	12.62x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	65.08%
EBITDA margin	68.14%
Effective tax rate	16.34%
FCF margin	47.41%
Gross margin	97.68%
Operating margin	65.08%
Pretax margin	61.2%
Profit margin	51.2%
Profit per employee	CLP 670.6M
Profitable quarters	56
Profitable years	18
Revenue per employee	CLP 1.3B
ROA	19.25%
ROA (5Y)	16.58%
ROCE	47.59%
ROE	63.51%
ROE (5Y)	50.73%
ROIC	55.95%
ROIC (5Y)	47.29%
SBC / revenue	2.02%
Tax / revenue	10%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	14.05%
EPS growth (Q)	-34.73%
EPS growth (QoQ)	-42.4%
EPS growth 10Y	16.71%
EPS growth 3Y	11.99%
EPS growth 5Y	15.64%
EPS growth quarters	3
EPS growth years	5
FCF growth	2.23%
FCF growth (Q)	17.85%
FCF growth (QoQ)	12.32%
FCF growth 3Y	3.85%
FCF growth 5Y	8.72%
Gross profit growth	14.66%
Gross profit growth (Q)	12.98%
Gross profit growth 3Y	12%
Gross profit growth 5Y	13.91%
Net income growth	17.18%
Net income growth (Q)	17.92%
Net income growth (QoQ)	7.5%
Net income growth 3Y	11.43%
Net income growth 5Y	14.38%
Net income growth quarters	3
Net income growth years	5
OCF growth	2.9%
OCF growth (Q)	18.4%
OCF growth (QoQ)	12.69%
OCF growth 10Y	15.59%
OCF growth 3Y	4.56%
OCF growth 5Y	9.28%
Operating income growth	11.44%
Operating income growth (Q)	9.71%
Operating income growth 3Y	10.86%
Operating income growth 5Y	13.58%
Revenue growth	14.76%
Revenue growth (Q)	13.2%
Revenue growth (QoQ)	4.35%
Revenue growth 10Y	11.77%
Revenue growth 3Y	12.02%
Revenue growth 5Y	13.75%
Revenue growth quarters	21
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	CLP -1.6T
Depreciation and amortization	CLP 1.4T
EBIT	CLP 29.1T
EBITDA	CLP 30.4T
EPS	CLP 11,473.21
Financing cash flow	CLP -27.5T
Free cash flow	CLP 21.5T
Free cash flow minus SBC	CLP 20.6T
Gross profit	CLP 43.6T
Income taxes	CLP 4.5T
Investing cash flow	CLP -967B
Net borrowing	CLP -2.5T
Net cash flow	CLP -5.7T
Net income	CLP 22.9T
Operating cash flow minus SBC	CLP 22.2T
Operating income	CLP 29.1T
Revenue	CLP 44.7T
Stock-based compensation	CLP 902.8B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	CLP 19,636.29
Debt / EBITDA	0.71
Debt / equity	0.61
Debt / FCF	1
Goodwill	CLP 20.5T
Interest coverage	39.41
Long-term assets	CLP 61.7T
Long-term liabilities	CLP 25.5T
Net cash (debt)	CLP -7.8T
Net cash / market cap	-1.07%
Net debt / EBITDA	0.26
Net debt / equity	0.22
Net debt / FCF	0.36
Piotroski F-Score	6
Property, plant and equipment	CLP 5T
Shareholders' equity	CLP 35.1T
Tangible book value	CLP -12.2T
Tangible book value per share	CLP -6,930.94
Total assets	CLP 91.8T
Total cash	CLP 13.7T
Total debt	CLP 21.5T
Total liabilities	CLP 56.7T

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.47
Current assets	CLP 30.1T
Current liabilities	CLP 31.1T
Current ratio	0.97
Net working capital	CLP -12.1T
Quick ratio	0.63
Working capital	CLP -1.1T
Working capital turnover	55,269.94

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-2.75%
Dividend growth	6.11%
Dividend growth (3Y)	16.96%
Dividend growth years	4
Dividend payment date	2026-09-01
Dividend payment years	6
Dividend payout frequency	Quarterly
Dividend per share	CLP 2,411.40
Dividend yield	0.6%
Ex-dividend date	2026-08-11
Last dividend	CLP 613.67
Payout ratio	21.75%
Shareholder yield	-2.14%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	CLP 320,237.56
1D price change	1.58%
1M price change	12.33%
1M total return	12.33%
1Y price change	20.52%
1Y return CAGR	21.48%
1Y total return	21.46%
20-day SMA	CLP 375,835.00
200-day SMA	CLP 310,721.81
3M price change	18.24%
3M total return	18.46%
3Y price change	88.81%
3Y return CAGR	24.56%
3Y total return	93.29%
50-day SMA	CLP 359,063.00
50-day SMA vs 200-day SMA	50over200
52-week high	CLP 401,850.00
52-week high date	2026-10-27
52-week low	CLP 264,200.00
52-week low date	2026-02-24
5Y price change	112.18%
5Y return CAGR	17.14%
5Y total return	120.5%
6M price change	46.2%
6M total return	46.75%
All-time high	CLP 401,850.00
All-time high date	2026-10-27
All-time low	CLP 151,900.00
All-time low date	2021-03-23
Average true range (ATR)	CLP 2,990.09
Average volume	0.2
Change from 52-week high	0%
Change from 52-week low	52.1%
Change from all-time high	-1.55%
Change from all-time low	160.44%
Monthly RSI	72.16
Previous close	CLP 395,610.00
Price vs 150-day SMA	23.54%
Price vs 20-day SMA	5.26%
Price vs 200-day SMA	27.32%
Price vs 50-day SMA	10.18%
Relative volume	10
RSI	84.39
Sharpe ratio	0.7
Sharpe ratio (3Y)	0.82
Sharpe ratio (5Y)	0.65
Sortino ratio	1.51
Sortino ratio (3Y)	2.07
Sortino ratio (5Y)	1.67
Weekly RSI	78.82
YTD price change	25.11%
YTD total return	25.85%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	1.7B
Shares change (QoQ)	85.14%
Shares change (YoY)	2.75%
Shares held by insiders	0.04%
Shares held by institutions	82.63%

Deeper analysis on SNSE/VCL

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Six-factor overlay and 9-category weighted scorecard.

→

Recommendation

Final action, action steps, opportunity, and biggest risk.

→

Perspectives

Growth, value, and income investor reads.

→

Frequently asked questions

About this SNSE/VCL report

Is a complete SNSE/VCL research report available?

No complete published report is available for snse/VCL (SNSE/VCL) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Market cap

724.5T

Revenue (ttm)

44.7T

Net income (ttm)

22.9T

EPS (ttm)

CLP 11,473

P/E (trailing)

34.5x

P/E (forward)

26.4x

Dividend

CLP 2,411 (0.60%)

Metric

Value

Amount currency

CLP

Country

United States

Country code

Earnings date

2026-10-27

Employees

34,100

Employees change

2,500

Employees growth

7.91%

Enterprise value

CLP 732.8T

Exchange

Santiago Stock Exchange

Financial currency

USD

Financial report date

2026-09-30

First seen

2026-08-24

Fiscal year end

September

Founded

1958

Industry

Credit Services

Is primary listing

ISIN number

US92826C8394

Last earnings date

2026-10-27

Last refreshed

2026-10-28

Market cap

CLP 724.5T

Next earnings date

2027-01-26

Price

CLP 401,850.00

Price currency

CLP

Sector

Financials

SIC code

6099

Stock price date

2026-10-27

Symbol

snse/VCL

Website

https://www.visa.com

Metric

Value

Average P/E ratio (10Y)

31.13x

Average P/E ratio (3Y)

29.49x

Average P/E ratio (5Y)

28.84x

Earnings yield

2.9%

EV/Earnings

32.05x

EV/EBIT

24.98x

EV/EBITDA

23.86x

EV/FCF

34.15x

EV/Sales

16.25x

FCF / EV yield

2.93%

FCF yield

2.96%

Forward P/E

26.39x

Graham number

73417.3129

Graham upside

-81.44%

Lynch fair value

CLP 179,510.97

Lynch upside

-54.62%

P/(FCF - SBC) ratio

35.24x

P/(OCF - SBC) ratio

32.66x

P/B ratio

20.62x

P/E ratio

34.48x

P/FCF ratio

33.76x

P/OCF ratio

31.38x

P/S ratio

16.22x

Price/EBITDA ratio

23.81x

Sector forward P/E

11.93x

Sector P/E

12.62x

Metric

Value

EBIT margin

65.08%

EBITDA margin

68.14%

Effective tax rate

16.34%

FCF margin

47.41%

Gross margin

97.68%

Operating margin

65.08%

Pretax margin

61.2%

Profit margin

51.2%

Profit per employee

CLP 670.6M

Profitable quarters

Profitable years

Revenue per employee

CLP 1.3B

ROA

19.25%

ROA (5Y)

16.58%

ROCE

47.59%

ROE

63.51%

ROE (5Y)

50.73%

ROIC

55.95%

ROIC (5Y)

47.29%

SBC / revenue

2.02%

Tax / revenue

10%

Metric

Value

EPS growth

14.05%

EPS growth (Q)

-34.73%

EPS growth (QoQ)

-42.4%

EPS growth 10Y

16.71%

EPS growth 3Y

11.99%

EPS growth 5Y

15.64%

EPS growth quarters

EPS growth years

FCF growth

2.23%

FCF growth (Q)

17.85%

FCF growth (QoQ)

12.32%

FCF growth 3Y

3.85%

FCF growth 5Y

8.72%

Gross profit growth

14.66%

Gross profit growth (Q)

12.98%

Gross profit growth 3Y

12%

Gross profit growth 5Y

13.91%

Net income growth

17.18%

Net income growth (Q)

17.92%

Net income growth (QoQ)

7.5%

Net income growth 3Y

11.43%

Net income growth 5Y

14.38%

Net income growth quarters

Net income growth years

OCF growth

2.9%

OCF growth (Q)

18.4%

OCF growth (QoQ)

12.69%

OCF growth 10Y

15.59%

OCF growth 3Y

4.56%

OCF growth 5Y

9.28%

Operating income growth

11.44%

Operating income growth (Q)

9.71%

Operating income growth 3Y

10.86%

Operating income growth 5Y

13.58%

Revenue growth

14.76%

Revenue growth (Q)

13.2%

Revenue growth (QoQ)

4.35%

Revenue growth 10Y

11.77%

Revenue growth 3Y

12.02%

Revenue growth 5Y

13.75%

Revenue growth quarters

Revenue growth years

Metric

Value

Capital expenditures

CLP -1.6T

Depreciation and amortization

CLP 1.4T

EBIT

CLP 29.1T

EBITDA

CLP 30.4T

EPS

CLP 11,473.21

Financing cash flow

CLP -27.5T

Free cash flow

CLP 21.5T

Free cash flow minus SBC

CLP 20.6T

Gross profit

CLP 43.6T

Income taxes

CLP 4.5T

Investing cash flow

CLP -967B

Net borrowing

CLP -2.5T

Net cash flow

CLP -5.7T

Net income

CLP 22.9T

Operating cash flow minus SBC

CLP 22.2T

Operating income

CLP 29.1T

Revenue

CLP 44.7T

Stock-based compensation

CLP 902.8B

Metric

Value

Book value per share

CLP 19,636.29

Debt / EBITDA

0.71

Debt / equity

0.61

Debt / FCF

Goodwill

CLP 20.5T

Interest coverage

39.41

Long-term assets

CLP 61.7T

Long-term liabilities

CLP 25.5T

Net cash (debt)

CLP -7.8T

Net cash / market cap

-1.07%

Net debt / EBITDA

0.26

Net debt / equity

0.22

Net debt / FCF

0.36

Piotroski F-Score

Property, plant and equipment

CLP 5T

Shareholders' equity

CLP 35.1T

Tangible book value

CLP -12.2T

Tangible book value per share

CLP -6,930.94

Total assets

CLP 91.8T

Total cash

CLP 13.7T

Total debt

CLP 21.5T

Total liabilities

CLP 56.7T

Metric

Value

Asset turnover

0.47

Current assets

CLP 30.1T

Current liabilities

CLP 31.1T

Current ratio

0.97

Net working capital

CLP -12.1T

Quick ratio

0.63

Working capital

CLP -1.1T

Working capital turnover

55,269.94

Metric

Value

Buyback yield / dilution

-2.75%

Dividend growth

6.11%

Dividend growth (3Y)

16.96%

Dividend growth years

Dividend payment date

2026-09-01

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

CLP 2,411.40

Dividend yield

0.6%

Ex-dividend date

2026-08-11

Last dividend

CLP 613.67

Payout ratio

21.75%

Shareholder yield

-2.14%

Metric

Value

150-day SMA

CLP 320,237.56

1D price change

1.58%

1M price change

12.33%

1M total return

12.33%

1Y price change

20.52%

1Y return CAGR

21.48%

1Y total return

21.46%

20-day SMA

CLP 375,835.00

200-day SMA

CLP 310,721.81

3M price change

18.24%

3M total return

18.46%

3Y price change

88.81%

3Y return CAGR

24.56%

3Y total return

93.29%

50-day SMA

CLP 359,063.00

50-day SMA vs 200-day SMA

50over200

52-week high

CLP 401,850.00

52-week high date

2026-10-27

52-week low

CLP 264,200.00

52-week low date

2026-02-24

5Y price change

112.18%

5Y return CAGR

17.14%

5Y total return

120.5%

6M price change

46.2%

6M total return

46.75%

All-time high

CLP 401,850.00

All-time high date

2026-10-27

All-time low

CLP 151,900.00

All-time low date

2021-03-23

Average true range (ATR)

CLP 2,990.09

Average volume

0.2

Change from 52-week high

Change from 52-week low

52.1%

Change from all-time high

-1.55%

Change from all-time low

160.44%

Monthly RSI

72.16

Previous close

CLP 395,610.00

Price vs 150-day SMA

23.54%

Price vs 20-day SMA

5.26%

Price vs 200-day SMA

27.32%

Price vs 50-day SMA

10.18%

Relative volume

RSI

84.39

Sharpe ratio

0.7

Sharpe ratio (3Y)

0.82

Sharpe ratio (5Y)

0.65

Sortino ratio

1.51

Sortino ratio (3Y)

2.07

Sortino ratio (5Y)

1.67

Weekly RSI

78.82

YTD price change

25.11%

YTD total return

25.85%

Metric

Value

Float

1.7B

Shares change (QoQ)

85.14%

Shares change (YoY)

2.75%

Shares held by insiders

0.04%

Shares held by institutions

82.63%

SNSE/VCL (SNSE/VCL)

Price

Financial snapshot

Fair-value bridge

Latest news · SNSE/VCL

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All SNSE/VCL indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on SNSE/VCL

Frequently asked questions

SNSE/VCL (SNSE/VCL)

Price

Financial snapshot

Fair-value bridge

Latest news · SNSE/VCL

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All SNSE/VCL indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on SNSE/VCL

Frequently asked questions