Bankinter (BKT) AI Stock Analysis

• Market Cap: €11.80B
• Dividend Yield: 4.32%
• Average Volume (3M): 1.33M
• Price to Earnings (P/E): 11.4
• Beta (1Y): 0.95
• Revenue Growth: -7.12%
• EPS Growth: 15.96%
• Country: ES
• Employees: 6,674
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.28
• Shares Outstanding: 898,866,150
• 10 Day Avg. Volume: 1,235,344
• 30 Day Avg. Volume: 1,330,628
• PEG Ratio: 0.44
• Price to Book (P/B): 1.17
• Price to Sales (P/S): 2.71
• P/FCF Ratio: 3.83
• 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: €13.63
• Price Target Upside: 3.89% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 7
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: €15.00 ▲(14.33% Upside)

Bankinter's strong financial performance and attractive valuation are the most significant factors contributing to its score. The positive technical indicators further support the stock's potential. However, revenue and EBIT volatility remain a concern.

Bankinter Business Overview & Revenue Model

Company Description

Bankinter (BKT) is a prominent Spanish bank headquartered in Madrid, operating primarily in the banking sector. Established in 1965, the bank offers a wide range of financial services, including retail and commercial banking, asset management, and investment banking. Its core products include personal and business loans, mortgages, savings and investment accounts, insurance products, and various wealth management services. Bankinter focuses on innovation and digital banking solutions to enhance customer experience and drive growth in its service offerings.

How the Company Makes Money

Bankinter generates revenue through multiple key streams. The primary source is net interest income, which comes from the difference between the interest earned on loans and the interest paid on deposits. The bank also earns significant income from fees and commissions related to account maintenance, transactions, and advisory services. Additionally, Bankinter generates revenue from its investment banking activities, including underwriting, mergers and acquisitions advisory, and asset management services. Strategic partnerships with financial technology companies and collaborations in the fintech space further enhance its service offerings and customer reach, contributing positively to its earnings. The bank's focus on maintaining a diversified portfolio and adapting to market trends helps stabilize its revenue generation.

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	4.99B	5.20B	4.38B	2.49B	2.17B	1.99B
Gross Profit	3.04B	3.08B	2.91B	2.26B	2.00B	1.85B
EBITDA	1.41B	1.45B	1.31B	865.13M	614.50M	306.12M
Net Income	1.02B	952.97M	844.79M	560.20M	1.33B	317.12M
Balance Sheet
Total Assets	131.73B	121.97B	113.01B	107.51B	107.58B	96.25B
Cash, Cash Equivalents and Short-Term Investments	13.12B	18.01B	16.11B	13.35B	24.02B	16.07B
Total Debt	10.17B	9.71B	20.14B	6.43B	7.74B	7.57B
Total Liabilities	125.52B	116.09B	107.69B	102.60B	102.73B	91.29B
Stockholders Equity	6.21B	5.88B	5.32B	4.90B	4.85B	4.96B
Cash Flow
Free Cash Flow	0.00	1.79B	568.04M	-8.11B	6.98B	8.45B
Operating Cash Flow	0.00	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: Neutral
• Last Price: 13.12
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ES:BKT, the sentiment is Neutral. The current price of 13.12 is below the 20-day moving average (MA) of 13.26, below the 50-day MA of 13.26, and above the 200-day MA of 11.48, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 45.11 is Neutral, neither overbought nor oversold. The STOCH value of 34.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ES:BKT.

Bankinter Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BBVA	77 Outperform	€100.84B	9.79	18.66%	4.11%	5.66%	8.16%
UNI	76 Outperform	$6.17B	9.86	8.76%	6.70%	-9.39%	45.60%
CABK	76 Outperform	€64.98B	10.97	15.73%	5.03%	-7.50%	12.76%
BKT	75 Outperform	€11.80B	11.42	16.71%	4.32%	-7.12%	15.96%
SAN	73 Outperform	£130.83B	9.71	12.91%	2.04%	-16.49%	14.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%