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Bankinter, SA (ES:BKT)
BME:BKT
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Bankinter (BKT) Price & Analysis

49 Followers

BKT Stock Chart & Stats

€16.08
€0.07(0.40%)
At close: 4:00 PM EDT
€16.08
€0.07(0.40%)

Bulls Say, Bears Say

Bulls Say
Solid Profitability And ROENet income rose from €845M (2023) to €1,090M (2025) with operating margin ~35% in 2025 and ROE around 16–17%. Persistent above‑peer profitability supports internal capital generation, dividend capacity and reinvestment, making earnings quality more durable despite cyclical headwinds.
Improving Capital BaseEquity growth to ~€6.41B provides a stronger regulatory and loss‑absorbing buffer versus prior years. A larger capital base increases resilience to credit shocks and supports measured lending expansion or buybacks, improving strategic optionality over the medium term.
Diversified Fee And Product MixEarnings derive from lending spreads plus fees, insurance commissions and trading/treasury results. This multi‑stream business model reduces sole reliance on net interest margin cycles, bolstering revenue stability and margin sustainability across rate and market fluctuations.
Bears Say
Erratic Cash Flow GenerationOperating and free cash flows swung to roughly -€10B in 2025 after prior volatility. Large, unpredictable cash‑flow swings weaken confidence in reported profits, complicate capital planning and increase reliance on wholesale funding, raising structural liquidity risk.
Balance‑sheet / Funding RiskAlthough leverage improved from 2022–23 peaks, rising absolute debt in 2025 leaves vulnerability to tighter funding markets. For a regional bank, renewed market stress could compress margins, force asset sales or raise funding costs, impairing long‑term growth and capital ratios.
Top‑line Volatility And Recent Revenue DeclineRevenues fell despite improving margins, indicating reliance on pricing, mix and cost cuts rather than sustainable volume growth. Persistent top‑line weakness risks eroding future margins and constrains scalability of fees and interest income, limiting durable earnings growth.

Bankinter News

BKT FAQ

What was Bankinter, SA’s price range in the past 12 months?
Bankinter, SA lowest stock price was €12.20 and its highest was €16.30 in the past 12 months.
    What is Bankinter, SA’s market cap?
    Bankinter, SA’s market cap is €14.31B.
      When is Bankinter, SA’s upcoming earnings report date?
      Bankinter, SA’s upcoming earnings report date is Oct 22, 2026 which is in 79 days.
        How were Bankinter, SA’s earnings last quarter?
        Bankinter, SA released its earnings results on Jul 23, 2026. The company reported €0.338 earnings per share for the quarter, beating the consensus estimate of €0.314 by €0.024.
          Is Bankinter, SA overvalued?
          According to Wall Street analysts Bankinter, SA’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            Does Bankinter, SA pay dividends?
            Bankinter, SA pays a Quarterly dividend of €0.13 which represents an annual dividend yield of 3.87%. 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 €0.338 in its last earnings report, beating expectations of €0.314. Following the earnings report the stock price went down -1.199%.
                    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

                      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.

                      Bankinter (BKT) Earnings & Revenues

                      BKT Stock 12 Month Forecast

                      Average Price Target

                      €16.79
                      ▲(4.44% Upside)
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