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Bankinter
(BME:BKT)
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Rating:70Outperform
Price Target:
€18.00
▲(11.94% Upside)
Action:Upgraded
Date:08/06/26
The score is driven primarily by solid and improving profitability and a positive technical trend (price above key moving averages with supportive momentum). This is tempered by material cash-flow instability in 2025, which raises uncertainty around cash generation and funding dynamics. Valuation adds support with a moderate P/E and a ~3.87% dividend yield.
Positive Factors
Improving profitability
Net income and margin expansion show structural improvement in core banking profitability. Sustained margin gains from pricing, mix and cost control enhance internal capital generation and recurring earnings quality, supporting medium-term lending capacity and shareholder returns.
Negative Factors
Severe cash-flow volatility
A very large negative swing in operating and free cash flow undermines confidence that reported profits convert into liquid resources. Persistent volatility raises reliance on wholesale funding, increases liquidity and reinvestment risk, and complicates durable dividend and capital allocation planning.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability
Net income and margin expansion show structural improvement in core banking profitability. Sustained margin gains from pricing, mix and cost control enhance internal capital generation and recurring earnings quality, supporting medium-term lending capacity and shareholder returns.
Read all positive factors
Bankinter (BKT) vs. iShares MSCI Spain ETF (EWP)
Market Cap
€14.78B
Dividend Yield3.72%
Average Volume (3M)1.33M
Price to Earnings (P/E)13.0
Beta (1Y)1.06
Revenue Growth-4.58%
EPS Growth12.95%
CountryES
Employees6,652
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.22
Shares Outstanding898,866,150
10 Day Avg. Volume1,235,344
30 Day Avg. Volume1,330,628
Financial Highlights & Ratios
PEG Ratio0.89
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
€16.79Price Target Upside4.44% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering8
EPS Forecast (FY)1.32
Revenue Forecast (FY)€3.28B
Bankinter Business Overview & Revenue Model
Company Description
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 t...
How the Company Makes Money
Bankinter makes money primarily by earning interest and fees from providing banking and financial services. (1) Net interest income: The core earnings engine is the spread between interest received on assets (e.g., mortgages, consumer loans, corpo...
Bankinter Financial Statement Overview
Summary
Income Statement
76
Positive
Balance Sheet
63
Positive
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.67B | 4.71B | 5.20B | 4.38B | 2.49B | 2.17B |
| Gross Profit | 3.13B | 3.08B | 3.08B | 2.91B | 2.26B | 2.00B |
| EBITDA | 1.67B | 1.64B | 1.45B | 1.31B | 865.13M | 614.50M |
| Net Income | 1.11B | 1.09B | 952.97M | 844.79M | 560.20M | 1.33B |
Balance Sheet | ||||||
| Total Assets | 136.68B | 131.02B | 121.97B | 113.01B | 107.51B | 107.58B |
| Cash, Cash Equivalents and Short-Term Investments | 17.82B | 15.00B | 18.01B | 16.11B | 15.59B | 24.02B |
| Total Debt | 9.98B | 10.38B | 9.71B | 20.14B | 21.64B | 7.74B |
| Total Liabilities | 130.17B | 124.61B | 116.09B | 107.69B | 102.60B | 102.73B |
| Stockholders Equity | 6.51B | 6.41B | 5.88B | 5.32B | 4.90B | 4.85B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -9.95B | 1.79B | 568.04M | -8.11B | 6.98B |
| Operating Cash Flow | 0.00 | -9.91B | 1.94B | 658.42M | -8.03B | 7.05B |
| Investing Cash Flow | 0.00 | 9.21B | -120.80M | -44.23M | -234.05M | -63.91M |
| Financing Cash Flow | 0.00 | 282.44M | -262.44M | -105.81M | -752.85M | 341.85M |
Bankinter Technical Analysis
Positive
16.08
Price Trends
15.13
Positive
14.50
Positive
14.02
Positive
Market Momentum
0.36
Negative
68.12
Neutral
89.96
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 16.08 is above the 20-day moving average (MA) of 15.91, above the 50-day MA of 15.13, and above the 200-day MA of 14.02, indicating a bullish trend. The MACD of 0.36 indicates Negative momentum. The RSI at 68.12 is Neutral, neither overbought nor oversold. The STOCH value of 89.96 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | €89.34B | 14.70 | 16.09% | 3.76% | -6.84% | 3.21% | |
73 Outperform | €16.43B | 8.30 | 13.05% | 6.83% | -33.66% | -32.82% | |
70 Outperform | €14.78B | 13.05 | 17.70% | 3.84% | -4.58% | 12.95% | |
69 Neutral | €9.04B | 13.84 | 9.44% | 8.48% | -6.69% | 5.62% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
ES:BKT
Bankinter
16.57
4.19
33.87%
ES:ALNT
Alantra
9.94
2.08
26.53%
ES:SAB
Banco de Sabadell
3.48
0.63
22.32%
ES:CABK
CAIXABANK
12.94
4.68
56.62%
ES:UNI
Unicaja Banco SA
3.54
1.26
55.65%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.