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

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.

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Valuation

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

→

Sensitivity

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

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Risks

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

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

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

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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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.

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