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Bankinter, SA (GB:0H7O)
LSE:0H7O
0H7O Stock Chart & Stats
€14.46
€0.07(0.86%)
At close: 4:00 PM EST
€14.46
€0.07(0.86%)
Day’s Range― - ―
52-Week Range€7.71 - €15.00
Previous CloseN/A
Volume229.34K
Average Volume (3M)544.99K
Market Cap
€12.75B
Enterprise Value€8.38B
Total Cash (Recent Filing)€13.12B
Total Debt (Recent Filing)€10.17B
Price to Earnings (P/E)11.9
Beta0.86
Next Earnings
Apr 16, 2026EPS Estimate
0.31Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.29
Shares Outstanding898,866,150
10 Day Avg. Volume453,366
30 Day Avg. Volume544,994
Financial Highlights & Ratios
PEG Ratio0.88
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
€15.25Price Target Upside5.46% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering8
EPS Forecast (FY)1.28
Revenue Forecast (FY)€3.24B
Bulls Say, Bears Say
Bulls Say
Strong Profitability & ROEBankinter’s net income and margins improved materially through 2025, with net income rising to €1,090m and net margin near 23%, supporting a sustained ROE around 16–17%. Persistent profitability at this scale underpins internal capital generation, dividend capacity, and funding for strategic initiatives over the medium term.
Improving Capital BaseEquity expansion over several years strengthens solvency and regulatory buffers, increasing resilience to shocks. A steadily larger capital base supports loan growth, absorbs credit losses, and gives management flexibility for strategic investments or buybacks without immediate need for external capital, improving long-term stability.
Diversified Business Model & Digital FocusMultiple revenue streams—interest income, fees, asset management and advisory—reduce dependence on any single market cycle. Coupled with a stated focus on digital banking and fintech partnerships, this diversification supports more stable fee generation, higher customer retention, and lower unit servicing costs, strengthening durable earnings quality.
Bears Say
Very Volatile Cash FlowsCash flow quality shows extreme volatility: large positive years followed by deep negative swings, culminating in ~-€10bn in 2025. Such magnitude undermines confidence in cash conversion of earnings, complicates liquidity planning, dividend consistency and capital allocation, and raises execution risk during stress periods.
Top-line Volatility And Recent Revenue DeclineTop-line fell about 5.5% in 2025, indicating earnings gains are more driven by mix, pricing and cost control than consistent revenue expansion. If margin drivers reverse or competition intensifies, earnings could compress quickly given underlying revenue sensitivity, making profit durability contingent on sustaining non-interest income gains.
Residual Balance-sheet And Funding RiskAlthough leverage metrics improved from prior peaks, total debt grew in 2025 and historical debt levels were materially higher. That history plus rising debt means the bank remains exposed to funding-pressure scenarios; tighter market conditions or deposit outflows could rapidly reintroduce balance-sheet strain and limit strategic flexibility.
Bankinter News
0H7O FAQ
What was Bankinter, SA’s price range in the past 12 months?
Bankinter, SA lowest share price was €7.71 and its highest was €14.99 in the past 12 months.
What is Bankinter, SA’s market cap?
Bankinter, SA’s market cap is €12.75B.
When is Bankinter, SA’s upcoming earnings report date?
Bankinter, SA’s upcoming earnings report date is Apr 16, 2026 which is in 48 days.
How were Bankinter, SA’s earnings last quarter?
Bankinter, SA released its earnings results on Jan 22, 2026. The company reported €0.295 earnings per share for the quarter, beating the consensus estimate of €0.287 by €0.008.
Is Bankinter, SA overvalued?
According to Wall Street analysts Bankinter, SA’s price is currently Undervalued.
Does Bankinter, SA pay dividends?
Bankinter, SA does not currently pay dividends.
What is Bankinter, SA’s EPS estimate?
Bankinter, SA’s EPS estimate is 0.31.
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 €0.295 in its last earnings report, beating expectations of €0.287. Following the earnings report the stock price went down -1.196%.
Which hedge fund is a major shareholder of Bankinter, SA?
Currently, no hedge funds are holding shares in GB:0H7O
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
Bankinter Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
€15.25 (5.46% Upside)
€15.25 (5.46% Upside)
Insider Transactions
Sold Shares
Worth €80.5K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
82.63%
12-Months-Change
Fundamentals
Return on Equity
17.23%
Trailing 12-Months
Asset Growth
11.26%
Trailing 12-Months
Company Description
Bankinter, SA
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.
0H7O Stock 12 Month Forecast
Average Price Target
€15.25
▲(5.46% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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