Bankinter SA

Bankinter SA

14.13
EUR
-1.15
(-7.56%)
1.27EPS
11.51P/E
13.16BMarket Cap
Jan 28Next Earn
Bankinter SA
BME:BKT
(Spanish Stock Exchange)

Recent

price

14.13

P/E

ratio

11.51

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
EUR
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
3.54
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
1.27
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
3.51
4.16
3.68
3.74
4.05
4.23
4.56
4.85
4.99
5.34
5.53
5.4
5.46
5.92
6.54
7.13
7.46
Book Value per Share
3.02
3.71
3.32
3.41
3.74
3.93
4.29
4.56
4.66
4.91
5.24
5.1
5.15
5.59
6.18
6.72
7.04
Tangible Book Value per Share
1,145
742
521
784
897
899
899
899
899
899
899
899
899
899
899
899
908
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
3,215
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
1,155
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
29.21
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
35.93
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
11,046
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
6,703
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
0.71
0.9
0.69
1.27
2.04
2.64
3.51
3.86
4.24
4.46
2.54
10.61
4.43
6.15
6.27
6.42
6.99
Return on Capital (%)
5.84
6.4
3.95
5.77
7.89
10.1
12.22
11.44
11.62
11.6
6.5
27.16
11.48
16.52
17.02
17.74
18.12
Return on Common Equity (%)

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
899
899
899
Market Capitalization
12,721
12,020
13,157

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
18,073
11,516
12,758
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

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

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
767
785
753
764
3,082
2025
745
773
- -
807
3,128
2026
793
842
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

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
0.35
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

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 services company headquartered in Madrid, primarily engaged in commercial and corporate banking, consumer finance, and other financial services. Founded in 1965, Bankinter offers a wide range of banking products including current accounts, fixed-term deposits, consumer loans, leasing, mortgage loans, investment management and advisory services, project financing, financial intermediation, security transactions, and private banking. Its operations extend mainly across Spain, Portugal, and Ireland, serving individuals, small- and medium-sized enterprises, corporations, and public sector entities. The company operates multiple subsidiaries including Bankinter Consumer Finance E.F.C., Bankinter Gestion de Activos SGIIC, and others specialized in asset management, capital risk, and financing services. Recent major changes include the 2024 merger of its Irish subsidiary Avantcard DAC into Bankinter to create a branch in Ireland, aimed at leveraging synergies and boosting digital transformation. Bankinter’s strategic expansion includes the acquisition of EVO Banco and the spin-off of Línea Directa, with the bank now holding 17.4% after its IPO. In 2024 and 2025, the company has emphasized sustainable financing initiatives as part of its 2024-2026 DNA Plan, promoting renewable energy projects and digital enhancements in products and services, with a strong focus on international growth particularly in Portugal and Ireland. Bankinter manages substantial deposits and credits, reporting robust financial performance supported by diversified business segments and ongoing digital and operational developments. It remains under direct supervision of the European Central Bank as a significant institution and is publicly traded on the Bolsa de Madrid under the ticker BKT.MC.

Company News

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  • Bankinter, S.A. (BKNIY) Q1 2026 Earnings Call Transcript

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  • Bankinter SA (OTCMKTS:BKNIY) Receives Consensus Rating of “Hold” from Analysts

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  • Bankinter SA (OTCMKTS:BKNIY) Receives Average Recommendation of “Hold” from Analysts

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