Bankinter, SA (ES:BKT)
BME:BKT
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BKT Stock Chart & Stats
€15.01
€0.06(0.74%)
At close: 4:00 PM EST
€15.01
€0.06(0.74%)
Day’s Range― - ―
52-Week Range€10.82 - €15.07
Previous CloseN/A
Volume174.48K
Average Volume (3M)1.33M
Market Cap
€12.38B
Enterprise Value€11.46B
Total Cash (Recent Filing)€13.12B
Total Debt (Recent Filing)€10.17B
Price to Earnings (P/E)11.6
Beta1.10
Next Earnings
Jul 16, 2026EPS Estimate
0.32Next Dividend Ex-DateN/A
Dividend Yield3.64%
Share Statistics
EPS (TTM)1.13
Shares Outstanding898,866,150
10 Day Avg. Volume1,235,344
30 Day Avg. Volume1,330,628
Financial Highlights & Ratios
PEG Ratio0.88
Price to Book (P/B)1.98
Price to Sales (P/S)2.70
P/FCF Ratio-1.28
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€15.78Price Target Upside5.16% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)1.28
Revenue Forecast (FY)€3.24B
Bulls Say, Bears Say
Bulls Say
Strong Profitability & ROEBankinter’s net income and margins improved materially through 2025, with net income rising to €1,090m and net margin near 23%, supporting a sustained ROE around 16–17%. Persistent profitability at this scale underpins internal capital generation, dividend capacity, and funding for strategic initiatives over the medium term.
Improving Capital BaseEquity expansion over several years strengthens solvency and regulatory buffers, increasing resilience to shocks. A steadily larger capital base supports loan growth, absorbs credit losses, and gives management flexibility for strategic investments or buybacks without immediate need for external capital, improving long-term stability.
Diversified Business Model & Digital FocusMultiple revenue streams—interest income, fees, asset management and advisory—reduce dependence on any single market cycle. Coupled with a stated focus on digital banking and fintech partnerships, this diversification supports more stable fee generation, higher customer retention, and lower unit servicing costs, strengthening durable earnings quality.
Bears Say
Very Volatile Cash FlowsCash flow quality shows extreme volatility: large positive years followed by deep negative swings, culminating in ~-€10bn in 2025. Such magnitude undermines confidence in cash conversion of earnings, complicates liquidity planning, dividend consistency and capital allocation, and raises execution risk during stress periods.
Top-line Volatility And Recent Revenue DeclineTop-line fell about 5.5% in 2025, indicating earnings gains are more driven by mix, pricing and cost control than consistent revenue expansion. If margin drivers reverse or competition intensifies, earnings could compress quickly given underlying revenue sensitivity, making profit durability contingent on sustaining non-interest income gains.
Residual Balance-sheet And Funding RiskAlthough leverage metrics improved from prior peaks, total debt grew in 2025 and historical debt levels were materially higher. That history plus rising debt means the bank remains exposed to funding-pressure scenarios; tighter market conditions or deposit outflows could rapidly reintroduce balance-sheet strain and limit strategic flexibility.
Bankinter News
BKT FAQ
What was Bankinter, SA’s price range in the past 12 months?
Bankinter, SA lowest stock price was €10.81 and its highest was €15.07 in the past 12 months.
What is Bankinter, SA’s market cap?
Bankinter, SA’s market cap is €12.38B.
When is Bankinter, SA’s upcoming earnings report date?
Bankinter, SA’s upcoming earnings report date is Jul 16, 2026 which is in 34 days.
How were Bankinter, SA’s earnings last quarter?
Bankinter, SA released its earnings results on Apr 23, 2026. The company reported €0.31 earnings per share for the quarter, beating the consensus estimate of €0.3 by €0.01.
Is Bankinter, SA overvalued?
According to Wall Street analysts Bankinter, SA’s price is currently Undervalued.
Does Bankinter, SA pay dividends?
Bankinter, SA pays a Notavailable dividend of €0.155 which represents an annual dividend yield of 3.64%. See more information on Bankinter, SA dividends here
What is Bankinter, SA’s EPS estimate?
Bankinter, SA’s EPS estimate is 0.32.
How many shares outstanding does Bankinter, SA have?
Bankinter, SA has 898,866,150 shares outstanding.
What happened to Bankinter, SA’s price movement after its last earnings report?
Bankinter, SA reported an EPS of €0.31 in its last earnings report, beating expectations of €0.3. Following the earnings report the stock price went down -2.572%.
Which hedge fund is a major shareholder of Bankinter, SA?
Currently, no hedge funds are holding shares in ES:BKT
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Bankinter Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
€15.78 (5.16% Upside)
€15.78 (5.16% Upside)
Insider Transactions
Sold Shares
Worth €20.6K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
82.63%
12-Months-Change
Fundamentals
Return on Equity
17.37%
Trailing 12-Months
Asset Growth
10.36%
Trailing 12-Months
Company Description
Bankinter, SA
Bankinter, S.A., a Spanish financial institution headquartered in Madrid and founded in 1965, offers a broad spectrum of banking and financial services. It caters to a diverse clientele including private individuals, corporate clients, and small to medium-sized enterprises primarily within Spain. The bank's extensive product range features various current and deposit accounts, including specialized options for salaries, professionals, businesses, and foreign currencies. Additionally, it provides diverse lending solutions such as mortgages and other financing facilities. For savings and investments, Bankinter presents a wide selection of products like profiled funds, sustainable investment options, funds from other managers, pension funds, themed investments, and products designed for new investors, alongside regular investment plans. Clients also have access to expert advisory services, customized investment strategies, wealth management, and alternative investment opportunities. Beyond traditional banking, Bankinter offers a comprehensive suite of insurance products, encompassing accident, home, life, funeral, health, mortgage payment protection, property, personal, motor, and business insurance. The bank further supports its customers with various ancillary services, including estate and asset management, account transfers, real estate, and brokerage. Bankinter operates across retail, personal, private, commercial, and corporate banking segments, complemented by robust remote banking capabilities. As of the end of 2021, its operational footprint included 446 branches and 379 agents. The company transitioned to its current name, Bankinter, S.A., in July 1990, having previously operated as Banco Intercontinental Español, S.A.
BKT Stock 12 Month Forecast
Average Price Target
€15.78
▲(5.16% Upside)
Technical Analysis
Options Prices
Currently, No data available
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