Bankinter (BKT) AI Stock Analysis

• Market Cap: €10.27B
• Dividend Yield: 5.26%
• Average Volume (3M): 3.71M
• Price to Earnings (P/E): 10.1
• Beta (1Y): 0.75
• Revenue Growth: 8.08%
• EPS Growth: 18.75%
• Country: ES
• Employees: 6,674
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.29
• Shares Outstanding: 898,866,150
• 10 Day Avg. Volume: 2,017,984
• 30 Day Avg. Volume: 3,707,740
• PEG Ratio: 2.28
• Price to Book (P/B): 0.89
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 379.59
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €11.11
• Price Target Upside: -1.16% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 9

• Rating: 71 Outperform
• Price Target: ―

Bankinter's strong valuation and solid financial performance underpin its attractiveness, despite some technical analysis uncertainty. While the lack of earnings call data limits insights into management's outlook, the stock's low P/E and high dividend yield make it appealing for value and income-oriented investors.

Bankinter Business Overview & Revenue Model

Company Description

Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers salary, non-salary, professional, basic, currency, pension, business, and current accounts, as well as deposit products; and mortgages and loan products, as well as financing services. The company also provides saving and investment products, including profiled funds, sustainable investment funds, other managers funds, pension funds, and themed funds, as well as funds for beginners; regular investment plans; and advisory, customized investment, wealth management, and alternative investment products and services. In addition, it offers accident, home, life, funeral, health, mortgage payment protection, property, personal, and motor insurance products, as well as business insurance products. Further, the company provides various services, such as estate administration, switch, asset management, accounts management, and transfer services, as well as real estate and brokerage services. The company also offers retail, personal, private, commercial, and corporate banking products, as well as remote banking services. As of December 31, 2021, it operated through a network of 446 branches and 379 agents. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990. The company was founded in 1965 and is headquartered in Madrid, Spain.

How the Company Makes Money

Bankinter generates revenue through a diversified business model that includes several key revenue streams. The bank earns interest income by providing loans and credit facilities to individuals and businesses, which is one of its primary sources of revenue. Additionally, Bankinter collects fees and commissions from various banking services, such as account maintenance, transaction processing, and asset management. The bank also engages in investment activities, generating income from trading and investment portfolios. Furthermore, Bankinter's insurance division contributes to its earnings by offering a range of insurance products. Strategic partnerships and collaborations with other financial institutions and service providers further enhance its revenue-generating capabilities. Overall, Bankinter's financial performance is influenced by factors such as interest rate environments, economic conditions, and regulatory developments.

Bankinter Financial Statement Overview

Summary

Bankinter demonstrates solid financial fundamentals with strong cash flow management and improved profitability. However, revenue and EBIT volatility pose risks. The balance sheet is robust with zero debt, but equity levels suggest room for strengthening.

Income Statement

Bankinter showed volatility in EBIT and revenue, with negative EBIT in 2024. Net profit margin improved, indicating better profitability despite revenue decline. Revenue growth fluctuated, showing inconsistencies in earnings stability.

Balance Sheet

The company maintains strong liquidity with zero debt in 2024, enhancing financial stability. Consistent equity growth is observed, but equity ratio remains moderate. Return on Equity (ROE) is solid, reflecting efficient capital use.

Cash Flow

Strong free cash flow growth reflects efficient operational cash generation, despite historical fluctuations. Operating cash flow to net income is robust, indicating good cash conversion, but past negative cash flows highlight potential volatility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.54B	3.08B	4.58B	2.23B	2.00B	1.85B
Gross Profit	3.54B	3.05B	4.58B	2.23B	2.00B	1.85B
EBITDA	851.09M	0.00	0.00	828.52M	0.00	277.35M
Net Income	900.36M	952.97M	844.79M	560.20M	397.43M	174.13M
Balance Sheet
Total Assets	118.40B	121.97B	113.01B	107.51B	107.58B	96.25B
Cash, Cash Equivalents and Short-Term Investments	13.04B	24.37B	2.15B	13.35B	24.02B	16.07B
Total Debt	7.99B	9.71B	20.14B	6.43B	7.74B	7.57B
Total Liabilities	112.76B	116.09B	107.69B	102.60B	102.73B	91.29B
Stockholders Equity	5.64B	5.88B	5.32B	4.90B	4.85B	4.96B
Cash Flow
Free Cash Flow	41.52M	1.79B	568.04M	-8.11B	6.98B	8.45B
Operating Cash Flow	41.52M	1.94B	658.42M	-8.03B	7.05B	8.54B
Investing Cash Flow	0.00	-120.80M	-44.23M	-234.05M	-63.91M	-120.86M
Financing Cash Flow	0.00	-262.44M	-105.81M	-752.85M	341.85M	219.82M

Bankinter Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 11.24
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ES:BKT, the sentiment is Positive. The current price of 11.24 is above the 20-day moving average (MA) of 11.07, above the 50-day MA of 11.03, and above the 200-day MA of 8.88, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 55.04 is Neutral, neither overbought nor oversold. The STOCH value of 85.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ES:BKT.

Bankinter Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BKT	71 Outperform	€10.27B	10.05	17.81%	5.26%	8.08%	18.75%
Sector *	67 Neutral	¥718.51B	10.84	7.44%	3.36%	7.82%	15.26%
0H00		€14.90B	6.86	15.03%	8.75%	―	―
BNC		£91.15B	8.38	13.26%	2.21%	―	―
BVA		€76.20B	7.34	19.33%	5.35%	―	―
0ILK		€53.87B	8.72	17.33%	7.53%	―	―
UNJCF		$6.21B	9.29	9.23%	2.67%	―	―

Bankinter Corporate Events

Bankinter Reports Strong Q1 2025 Performance with 35% Profit Increase

Bankinter reported a 35% increase in net profit to 270 million euros for the first quarter of 2025, driven by a strong commercial strategy and diversified growth across all business areas and geographies. The bank achieved historic returns with an ROE of 18.8% and maintained sector-leading efficiency and liquidity ratios, reflecting its robust financial health and strategic positioning in the market.

Bankinter to Announce Q1 2025 Financial Results

Bankinter is set to announce its first-quarter economic results for 2025 on April 24, 2025, which will be presented via a webcast accessible to analysts and investors. The CEO, Gloria Ortiz, will also present these results to the media, highlighting the company’s ongoing financial performance and strategic positioning.

Bankinter Consolidates Brand with EVO Banco and Avantcard Mergers

Bankinter has signed the merger deeds to absorb EVO Banco and Avantcard DAC, aiming to consolidate its brand across all operational regions. The merger will see EVO Banco continue as a commercial brand under Bankinter until a full technological integration occurs, while the Irish subsidiary Avant Money will operate as Bankinter’s branch in Ireland, marking its entry into the deposit business later this year.

Bankinter Announces Key Board of Directors Changes

Bankinter’s General Shareholders’ Meeting has approved significant changes to its Board of Directors, including the appointment of two new independent external directors and the reelection of several existing members. These changes reflect the company’s ongoing commitment to maintaining a diverse and experienced leadership team, which could impact its strategic direction and governance.

Bankinter’s Shareholders Approve All Agenda Items at General Meeting

Bankinter, S.A. held its Ordinary General Meeting of Shareholders on March 27, 2025, achieving a quorum of 76.5% of its share capital. All matters on the agenda were approved, indicating strong shareholder support and potentially positive implications for the company’s strategic initiatives.

Bankinter Publishes 2024 Director Remuneration Report

Bankinter’s 2024 Annual Report on Director Remuneration outlines the remuneration policies for its board members, approved by the general shareholders’ meeting. The report details the fixed and variable remuneration systems for directors, including a multi-year variable remuneration plan for 2024-2026, emphasizing compliance with established objectives.

Bankinter Announces 2025 Shareholders’ Meeting Agenda

Bankinter’s Board of Directors has scheduled an Ordinary General Shareholders’ Meeting for March 27, 2025, in Madrid. The meeting aims to address key matters such as the approval of financial statements for 2024, non-financial and sustainability reports, dividend distribution, and the re-election of the company’s auditor and directors, including the appointment of a new independent external director.

Bankinter’s Credit Rating Upgraded by DBRS Morningstar

Bankinter has received an upgrade in its long-term credit rating from DBRS Morningstar, moving from ‘A(low)’ to ‘A’, with a stable outlook. This upgrade affects various debt ratings, including senior long-term debt and non-preferred senior debt, indicating improved confidence in Bankinter’s financial stability, potentially enhancing its market position and stakeholder trust.