(BKT) Bankinter - Overview

Exchange: MC • Country: Spain • Currency: EUR • Type: Common Stock • ISIN: ES0113679I37

Stock:

Total Rating 54

Risk 73

Buy Signal -0.55

Banks - Regional -6.7
Diversified Banks -2.3

Market Cap: 15,239m
Avg Trading Vol: 22.5M EUR

ATR: 2.39%
Peers RS (IBD): 39.29

Risk 5d forecast
Volatility	24.6%
Relative Tail Risk	-0.92%

Reward TTM
Sharpe Ratio	1.77
Alpha	52.13

Character TTM
Beta	0.478
Beta Downside	0.841

Drawdowns 3y
Max DD	20.63%
CAGR/Max DD	2.35

EPS (Earnings per Share)

EPS CAGR: 16.35%
EPS Trend: 80.2%

Last SUE: 0.48
Qual. Beats: 0

Revenue

Rev. CAGR: 22.51%
Rev. Trend: 80.9%

Last SUE: 1.97
Qual. Beats: 1

Description: BKT Bankinter

Bankinter, S.A. provides various banking products and services to individuals, corporates, and small- and medium-sized enterprises in Spain, Luxembourg, Portugal, and Ireland. It operates through Commercial Banking, Business Banking, Consumer Finance, Bankinter Portugal, Bankinter Ireland, and Other Businesses segments. The company offers smart digital, payroll, pension, business, non-salary, currency, youth, current, and management accounts; debit and credit cards; cash management cash pooling; guarantees; mortgages and loan products; financing; and investment banking and wealth management services. It also provides investment funds, retirement, broker, alternative investment, deposit, and treasury bills; SEPA direct debit, VAT and invoice advance, commercial discount, factoring, cheque deposits, and POS; and cheque and promissory notes, confirming, payroll, and tax and social security; treasury management and documentary business; and VAT advance, multi-currency and open-term credit account, leasing, and structured financing services. In addition, the company offers home, life, health, death, and motor vehicle; property, multi-risk, civil liability, construction and decennial, trade credit, and personal; general and business liability, liability for executives, construction, and machinery and equipment; group life, health, and accident; and pension scheme insurance products. Further, it provides various services, such as real estate and account management, virtual agent, financial data aggregation, direct debit management, transfer, certificate, tax payment, estate administration, and foreign currency order services. Additionally, the company offers retail, personal, private, and corporate banking products, as well as remote banking services. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990. Bankinter, S.A. was incorporated in 1965 and is headquartered in Madrid, Spain.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income: 1.09b TTM > 0 and > 6% of Revenue
FCF/TA: 0.0 > 0.02 and ΔFCF/TA -1.47 > 1.0
NWC/Revenue: -2001 % < 20% (prev -1413 %; Δ -588.5% < -1%)
CFO/TA 0.00 > 3% & CFO 548.3m > Net Income 1.09b
Net Debt (-4.62b) to EBITDA (1.64b): -2.82 < 3
Current Ratio: 0.14 > 1.5 & < 3
Outstanding Shares: last quarter (898.7m) vs 12m ago 0.00% < -2%
Gross Margin: 65.43% > 18% (prev 0.59%; Δ 6484 % > 0.5%)
Asset Turnover: 3.72% > 50% (prev 4.24%; Δ -0.52% > 0%)
Interest Coverage Ratio: 0.51 > 6 (EBITDA TTM 1.64b / Interest Expense TTM 1.63b)

Altman Z''

A: -0.72 (Total Current Assets 15.00b - Total Current Liabilities 109.26b) / Total Assets 131.02b
B: error (Retained Earnings missing)
C: 0.01 (EBIT TTM 826.9m / Avg Total Assets 126.50b)
D: 0.05 (Book Value of Equity 6.41b / Total Liabilities 124.61b)

Beneish M

DSRI: none (Receivables none/151.4m, Revenue 4.71b/5.17b)
GMI: 0.90 (GM 65.43% / 58.97%)
AQI: 1.04 (AQ_t 0.88 / AQ_t-1 0.85)
SGI: 0.91 (Revenue 4.71b / 5.17b)
TATA: 0.00 (NI 1.09b - CFO 548.3m) / TA 131.02b)
Beneish M-Score: cannot calculate (missing components)

What is the price of BKT shares?

As of February 25, 2026, the stock is trading at EUR 14.42 with a total of 1,923,832 shares traded.
Over the past week, the price has changed by +6.15%, over one month by +0.45%, over three months by +8.74% and over the past year by +67.99%.

Is BKT a buy, sell or hold?

Bankinter has no consensus analysts rating.

What are the forecasts/targets for the BKT price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	14.8	2.7%
Analysts Target Price	-	-

BKT Fundamental Data Overview February 22, 2026

Market Cap USD = 15.24b (12.93b EUR * 1.1784 EUR.USD)
P/E Trailing = 12.2991
P/E Forward = 10.5152
P/S = 4.7732
P/B = 1.9014
Revenue TTM = 4.71b EUR
EBIT TTM = 826.9m EUR
EBITDA TTM = 1.64b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 10.38b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -4.62b EUR (from netDebt column, last quarter)
Enterprise Value = 8.32b EUR (12.93b + Debt 10.38b - CCE 15.00b)
Interest Coverage Ratio = 0.51 (Ebit TTM 826.9m / Interest Expense TTM 1.63b)
EV/FCF = unknown (FCF TTM 0.0)
FCF Yield = 0.0% (FCF TTM 0.0 / Enterprise Value 8.32b)
FCF Margin = 0.0% (FCF TTM 0.0 / Revenue TTM 4.71b)
Net Margin = 23.14% (Net Income TTM 1.09b / Revenue TTM 4.71b)
Gross Margin = 65.43% ((Revenue TTM 4.71b - Cost of Revenue TTM 1.63b) / Revenue TTM)
Gross Margin QoQ = 68.20% (prev 66.38%)
Tobins Q-Ratio = 0.06 (Enterprise Value 8.32b / Total Assets 131.02b)
Interest Expense / Debt = 3.62% (Interest Expense 376.2m / Debt 10.38b)
Taxrate = 28.99% (113.7m / 392.1m)
NOPAT = 587.2m (EBIT 826.9m * (1 - 28.99%))
Current Ratio = 0.14 (Total Current Assets 15.00b / Total Current Liabilities 109.26b)
Debt / Equity = 1.62 (Debt 10.38b / totalStockholderEquity, last quarter 6.41b)
Debt / EBITDA = -2.82 (Net Debt -4.62b / EBITDA 1.64b)
Debt / FCF = unknown (Net Debt -4.62b / FCF TTM 0.0)
Total Stockholder Equity = 6.14b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.86% (Net Income 1.09b / Total Assets 131.02b)
RoE = 17.76% (Net Income TTM 1.09b / Total Stockholder Equity 6.14b)
RoCE = 3.80% (EBIT 826.9m / Capital Employed (Total Assets 131.02b - Current Liab 109.26b))
RoIC = 3.63% (NOPAT 587.2m / Invested Capital 16.17b)
WACC = 5.41% (E(12.93b)/V(23.32b) * Re(7.68%) + D(10.38b)/V(23.32b) * Rd(3.62%) * (1-Tc(0.29)))
Discount Rate = 7.68% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 0.00%
[DCF] Fair Price = unknown (Cash Flow 0.0)
EPS Correlation: 80.25 | EPS CAGR: 16.35% | SUE: 0.48 | # QB: 0
Revenue Correlation: 80.93 | Revenue CAGR: 22.51% | SUE: 1.97 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.31 | Chg7d=+0.003 | Chg30d=+0.001 | Revisions Net=-1 | Analysts=3
EPS current Year (2026-12-31): EPS=1.27 | Chg7d=+0.004 | Chg30d=+0.033 | Revisions Net=+7 | Growth EPS=+8.8% | Growth Revenue=+6.5%
EPS next Year (2027-12-31): EPS=1.34 | Chg7d=+0.003 | Chg30d=+0.023 | Revisions Net=+10 | Growth EPS=+5.5% | Growth Revenue=+4.3%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.2% (Discount Rate 7.9% - Earnings Yield 8.1%)
[Growth] Growth Spread = +7.1% (Analyst 6.9% - Implied -0.2%)

Additional Sources for BKT Stock

Fund Manager Positions: Dataroma | Stockcircle