RENTA 4 BANCO SA

RENTA 4 BANCO SA

20.00
EUR
+0.60
(+3.09%)
1.33EPS
14.38P/E
777.24MMarket Cap
Nov 03Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.45
1.65
1.74
1.74
1.97
1.98
2.24
2.35
2.84
2.71
3.24
3.76
4.36
4.97
Basic EPS, GAAP
0.28
0.33
0.35
0.3
0.41
0.4
0.44
0.45
0.62
0.53
0.64
0.75
1.05
1.33
Free Cash Flow per Basic Share
-1.21
3.42
1.84
7.71
1.05
1.1
5.87
2.63
11.55
-9.96
8.77
11.5
-4.12
- -
Dividend per Share
0.05
0.08
0.24
0.14
0.29
0.32
0.28
- -
0.32
0.36
0.35
0.49
0.61
- -
Book Value per Share
1.72
1.95
2.02
2.2
2.33
2.37
2.54
2.97
3.18
2.87
3.44
3.84
4.35
4.87
Tangible Book Value per Share
1.29
1.51
1.59
1.77
1.9
1.92
2.09
2.48
2.66
2.32
2.89
3.05
3.6
4.14
Basic Weighted Avg Shares
37
40
40
41
41
41
41
41
41
41
41
41
41
41
Sales/Revenue/Turnover
54
66
70
71
80
80
91
96
116
110
132
153
177
202
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
4
4
5
5
5
9
9
9
10
11
12
12
12
Net Income, GAAP
11
13
14
12
17
16
18
18
25
22
26
30
43
54
Effective Tax Rate (%)
23.56
29.76
29.71
30.06
30.8
28.41
28.97
24.87
22.02
25.87
26.95
27.67
28.64
29.07
Profit Margin (%)
19.57
20.24
19.92
17.16
20.61
20.01
19.65
18.97
21.93
19.58
19.85
19.85
24.02
26.76
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
12
- -
- -
- -
- -
- -
21
21
20
22
24
25
29
29
Total Equity
71
81
82
91
95
97
104
122
130
117
142
158
179
201
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
13.68
15.84
17.19
14.14
18.04
17.1
16.25
13.63
17.35
14.74
16.85
17.24
21.68
25.14
Return on Common Equity (%)
16.97
17.91
17.37
14.13
17.96
16.88
17.86
16.19
20.27
17.53
20.37
20.48
25.6
29.22

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
41
41
41
Market Capitalization
777
794
777

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,355
1,466
1,320
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
8.41%
8.52%
13.32%
Free Cash Flow
48.2%
-27.83%
-135.82%
Net Income, GAAP
13.53%
20.53%
40.55%
Sales/Revenue/Turnover
10.03%
13.59%
16.12%
Total Cash Common Dividend
- -
- -
23.23%

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
33
37
37
45
153
2025
40
42
48
48
177
2026
49
57
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.17
0.2
0.2
0.17
0.75
2025
0.22
0.26
0.28
0.29
1.05
2026
0.31
0.44
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.49
2025
- -
- -
- -
- -
0.61
2026
- -
- -
- -
- -
- -

Company Description

CEO
Juan Luis López García
Full Time Employees
756
Sector
Finance
Industry
Major banks
Address
Paseo de la Habana 74 Madrid MD Spain 28036
IPO Date
Nov 14, 2007
Website
r4.com
Business
Renta 4 Banco, S.A. is a financial institution specializing in wealth management, asset management, brokerage, and corporate finance advisory services. The company offers a comprehensive range of products including online brokerage across all asset classes; securities trading; collective investment institutions (CII) and pension fund management; discretionary portfolio management combining equities and investment funds; private banking; securities custody; corporate finance advisory including mergers and acquisitions; underwriting and placement services for public issues; and public debt management. It serves retail clients, high net worth individuals, financial intermediaries, and institutional investors primarily in Spain and Latin America through a proprietary network of more than sixty branches and a leading online platform. Founded in 1986, Renta 4 Banco is headquartered in Madrid, Spain, and operates internationally with offices in Chile, Colombia, and Peru. In the last one to two years, Renta 4 Banco has strengthened its market position by enhancing its digital brokerage platform, which remains a market leader in Spain for interactive fund selection and independent research. The company recorded significant growth in assets under management, surpassing €25 billion in 2024, and experienced a 23% increase in net profit attributable to the group, reaching €32.1 million in fiscal year 2024. Recent strategic developments include expanding its ESG (Environmental, Social, and Governance) integration across products and services, reaffirming its commitment to sustainable investment solutions. The company also updated its director remuneration policy in 2024 to align with shareholder interests and market standards. Renta 4 Banco continues to maintain a business model focused on investment specialization with a full banking license, distinguishing itself from large universal banks by emphasizing wealth and asset management as core competencies. Renta 4 Banco is publicly listed on the Spanish stock exchanges (Madrid, Barcelona, Bilbao, and Valencia) and remains the only investment services company listed in Spain. It is part of the General Investment Guarantee Fund and participates in the Spanish deposit guarantee scheme. The group includes subsidiary companies such as Renta 4 Sociedad de Valores, which focuses on institutional clients and global brokerage services, as well as Renta 4 Gestora and Renta 4 Pensiones, which manage funds and pensions respectively. The company leverages its proprietary network and advanced online systems to deliver its comprehensive financial products and services efficiently to its diverse clientele across Spain and Latin America. This positioning, combined with consistent operational improvements and robust financial performance, underscores Renta 4 Banco's role as a leading independent financial services provider in its targeted markets. The company's sustained profitability and business expansion attest to its strategic focus on specialized investment services and client-centric innovation in the financial sector.