Renta 4 Banco, S.A. (ES:R4)
BME:R4
Top Page
Renta 4 Banco, S.A.
(BME:R4)
Select Model
Select Model
Rating:69Neutral
Price Target:
€21.00
▲(8.25% Upside)
Action:DowngradedDate:03/06/26
The score is driven primarily by solid profitability/returns and a conservative leverage profile, offset by volatile cash-flow consistency. Technicals are mildly constructive but not strong, and valuation appears reasonable with a moderate dividend yield.
Positive Factors
Strong profitability and ROE
Sustained high ROE (~18–24%) and steady equity growth indicate efficient capital use and persistent profitability. This supports the bank’s ability to fund dividends, reinvest in client services, and compete for talent and mandates, creating a durable earnings base that underpins long-term wealth-management operations.
Negative Factors
Inconsistent cash-flow generation
Significant year-to-year swings in operating and free cash flow undermine confidence in cash conversion and funding predictability. This variability complicates dividend policy, capital allocation and investment planning, and may force reliance on external funding when internal cash is weak.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability and ROE
Sustained high ROE (~18–24%) and steady equity growth indicate efficient capital use and persistent profitability. This supports the bank’s ability to fund dividends, reinvest in client services, and compete for talent and mandates, creating a durable earnings base that underpins long-term wealth-management operations.
Read all positive factors
Renta 4 Banco, S.A. (R4) vs. iShares MSCI Spain ETF (EWP)
Market Cap
€808.35M
Dividend Yield2.8%
Average Volume (3M)5.40K
Price to Earnings (P/E)17.2
Beta (1Y)0.16
Revenue Growth16.79%
EPS Growth31.55%
CountryES
Employees728
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)0.29
Shares Outstanding40,693,203
10 Day Avg. Volume7,068
30 Day Avg. Volume5,398
Financial Highlights & Ratios
PEG Ratio0.59
Price to Book (P/B)4.65
Price to Sales (P/S)2.74
P/FCF Ratio19.80
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Renta 4 Banco, S.A. Business Overview & Revenue Model
Company Description
Renta 4 Banco, S.A., together with its subsidiaries, provides wealth management, brokerage, and corporate advisory services in Spain and internationally. It is involved in the management of collective investment institution (CII) and pension funds...
How the Company Makes Money
Renta 4 Banco generates revenue through various streams primarily focused on fees and commissions from its financial services. Key revenue sources include brokerage fees from executing trades for clients, management fees from its asset management ...
Renta 4 Banco, S.A. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
56
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 190.29M | 300.33M | 183.97M | 200.18M | 113.90M | 120.19M |
| Gross Profit | 159.16M | 153.61M | 152.80M | 131.54M | 110.01M | 115.56M |
| EBITDA | 59.80M | 72.43M | 56.80M | 48.24M | 39.42M | 41.96M |
| Net Income | 34.09M | 42.63M | 32.14M | 26.13M | 21.54M | 25.34M |
Balance Sheet | ||||||
| Total Assets | 2.50B | 2.56B | 2.48B | 2.19B | 2.41B | 2.20B |
| Cash, Cash Equivalents and Short-Term Investments | 1.48B | 1.35B | 1.55B | 1.10B | 779.88M | 1.20B |
| Total Debt | 0.00 | 48.52M | 25.46M | 23.95M | 21.80M | 19.72M |
| Total Liabilities | 2.33B | 2.38B | 2.32B | 2.05B | 2.29B | 2.07B |
| Stockholders Equity | 161.55M | 176.88M | 157.95M | 140.08M | 116.48M | 129.21M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 41.51M | 474.30M | 356.71M | -404.64M | 469.01M |
| Operating Cash Flow | 0.00 | 55.05M | 487.61M | 366.21M | -396.20M | 476.58M |
| Investing Cash Flow | 0.00 | -275.78M | -16.77M | -14.03M | -8.44M | -7.57M |
| Financing Cash Flow | 0.00 | 28.09M | 4.28M | -30.20M | -18.50M | -17.74M |
Renta 4 Banco, S.A. Technical Analysis
Positive
19.40
Price Trends
18.73
Positive
18.81
Positive
18.42
Positive
Market Momentum
0.11
Negative
68.33
Neutral
58.89
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ES:R4, the sentiment is Positive. The current price of 19.4 is above the 20-day moving average (MA) of 18.78, above the 50-day MA of 18.73, and above the 200-day MA of 18.42, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 68.33 is Neutral, neither overbought nor oversold. The STOCH value of 58.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ES:R4.
Renta 4 Banco, S.A. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | €808.35M | 17.20 | 24.57% | 2.80% | 16.79% | 31.55% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | €15.71B | 42.77 | 12.39% | 7.43% | -6.77% | -39.63% | |
64 Neutral | €12.43B | 11.67 | 16.71% | 3.64% | -7.12% | 15.96% | |
62 Neutral | €6.72B | 13.74 | 9.08% | 5.80% | -9.39% | 45.60% |
* Financial Sector Average
ES:R4
Renta 4 Banco, S.A.
19.90
7.08
55.21%
ES:ALNT
Alantra
9.22
1.15
14.31%
ES:SAB
Banco de Sabadell
3.07
0.84
37.66%
ES:BKT
Bankinter
13.65
5.12
59.98%
ES:UNI
Unicaja Banco SA
2.57
1.16
81.52%
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.