Bankinter, S.A.

Bankinter, S.A.

BKNIY
Bankinter, S.A.US flagOther OTC
17.87
USD
+0.04
- -
16.06BMarket Cap
Bankinter, S.A.
BKNIY
(Other OTC)

Recent

price

17.87

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.97
1.5
2.5
1.79
1.67
1.81
1.97
2.16
2.28
1.96
2.06
2.23
2.52
3.24
3.43
3.48
3.37
Revenue per Share
0.13
0.24
0.24
0.24
0.31
0.42
0.54
0.54
0.57
0.6
0.35
1.48
0.62
0.94
1.06
1.21
1.13
Basic EPS, GAAP
1.28
0.12
-0.3
1.03
-1.01
0.18
1.9
2.41
0.1
0.01
9.41
7.77
-9.02
0.63
1.99
-0.85
- -
Free Cash Flow per Basic Share
0.1
0.08
0.14
0.08
0.1
0.23
0.21
0.25
0.29
0.29
0.1
0.23
0.28
0.45
0.51
0.57
- -
Dividend per Share
1.68
2.73
3.99
2.77
2.68
2.9
3.25
3.57
3.69
3.99
4.05
5.46
5.83
6.41
6.98
7.63
6.96
Book Value per Share
1.94
3.71
5.59
3.89
3.75
3.93
4.29
4.56
4.66
4.91
5.24
5.1
5.15
5.59
6.18
6.72
6.49
Tangible Book Value per Share
1,145
742
521
784
897
899
899
899
899
899
899
899
899
899
899
899
907
Basic Weighted Avg Shares
1,114
1,115
1,306
1,407
1,502
1,627
1,770
1,944
2,048
1,765
1,849
2,002
2,262
2,914
3,082
3,128
3,055
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
62
64
66
63
64
62
59
61
62
81
76
78
80
82
87
90
- -
Depreciation Expense
151
181
125
190
276
376
490
495
526
551
317
1,333
560
845
953
1,090
1,021
Net Income, GAAP
26.55
24.54
19.15
27.27
29.77
27.75
27.57
26.87
27
26.04
24.47
25.95
28.64
31.25
29.91
29
27.57
Effective Tax Rate (%)
13.53
16.26
9.55
13.5
18.37
23.11
27.69
25.47
25.7
31.19
17.15
66.58
24.76
28.99
30.92
34.84
33.42
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
18,014
16,498
13,267
10,129
9,919
11,068
8,950
8,257
7,755
7,640
7,572
7,736
7,789
9,467
9,706
11,941
10,167
LT Debt
2,580
3,087
3,231
3,352
3,643
3,798
4,097
4,357
4,486
4,800
4,964
4,852
4,905
5,323
5,878
6,411
6,211
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
7.87
9.17
6.08
8.93
12.05
14.99
17.45
15.78
15.74
15.6
8.78
31.19
11.04
15.36
15.83
16.6
16.86
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
899
899
899
Market Capitalization
6,895
9,526
10,064

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
18,014
11,564
13,121
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.44%
5.37%
9.08%
Free Cash Flow
7,589.37%
-53.62%
-142.82%
Net Income, GAAP
34.03%
68.08%
14.38%
Sales/Revenue/Turnover
7.23%
11.47%
1.49%
Total Cash Common Dividend
20.46%
49.28%
11.76%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
767
785
753
764
3,082
2025
745
793
807
- -
3,128
2026
793
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.21
0.3
0.29
0.25
1.06
2025
0.29
0.3
0.31
- -
1.21
2026
0.31
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.51
2025
- -
- -
- -
- -
0.57
2026
- -
- -
- -
- -
- -
Business
Bankinter, S.A. is a Spanish financial institution headquartered in Madrid, founded in 1965, primarily engaged in providing universal banking and financial services. Its core products and services include commercial banking with offerings such as current accounts, fixed-term deposits, mortgages, consumer loans, leasing, and project financing; financial and market banking comprising consulting services, asset management, financial intermediation, securities transactions, and wealth management; private banking; corporate and SME banking services targeting small and medium-sized enterprises, corporations, and government bodies; consumer finance focused on personal loans and credit card services through its subsidiary Bankinter Consumer Finance; and insurance services offered via strategic partnerships. Bankinter operates extensively in Spain, Portugal, and Ireland under the brand Avant Money in Ireland, managing a significant loan portfolio and customer deposits amounting to billions of euros. In terms of recent major changes, Bankinter completed the merger of its digital banking subsidiary EVO Banco with its Irish division Avant Money in early 2025 to strengthen international growth and digital capabilities, marking a strategic entry into Ireland's deposit market and plans to introduce new current accounts and banking services. The bank pursued an IPO spin-off of its insurance business Línea Directa in 2021, reducing ownership but realizing substantial capital gains. It continued expanding lending and customer funds with record net income in 2024, driven by growth in wealth management, asset management, and corporate financing including supply chain finance, reflecting strategic diversification and revenue growth. Bankinter also emphasizes its digital transformation and sustainable financing through its 2024-2026 strategy, focusing on renewable energy project financing and innovation initiatives, while maintaining leadership in its geographic markets and a strong financial position with increased returns on equity and asset growth. Bankinter operates through four main business segments: Wealth & Retail Banking, Corporate Banking, Consumer Finance, and Other businesses, offering a comprehensive suite of banking, investment, insurance, and financing products serving individual, corporate, and institutional clients predominantly in the Iberian Peninsula and Ireland. The bank manages assets under management nearing 100 billion euros and has a workforce of over 6,600 employees. Its strategic focus integrates digital banking innovation, geographic expansion in Portugal and Ireland, and sustainable finance commitments aligned with regulatory evolutions under European Central Bank supervision. These recent developments and operational expansions underscore Bankinter's positioning as a significant banking group in Southern Europe with a growing international footprint and diversified financial services platform.

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