BKT Stock Analysis: Bankinter | MC
Banks - Regional | MC, Spain | Market Cap: 15.067m EUR | 12M Return: 31.8% | ES0113679I37 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 16.3M
EPS Trend: 98.6%
Qual. Beats: 1
Rev. Trend: 38.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Bankinter, S.A. (BKT) is a Spanish diversified bank headquartered in Madrid, operating primarily in Spain with additional presence in Luxembourg, Portugal, and Ireland. Founded in 1965 (formerly Banco Intercontinental Español), the company provides universal banking services through segments covering Commercial Banking, Corporate Banking, BKCF Spain, BK Portugal, BK Ireland, and Other Businesses, serving individuals, corporates, and SMEs.
The banks product offering spans deposit and payment accounts, debit and credit cards, mortgages and loans, cash management, trade finance (factoring, confirming, discounting), investment funds, wealth and investment banking, and a wide suite of insurance products (life, health, motor, property, and pension schemes). Its multi-segment structure reflects the universal banking model typical of large European diversified banks, combining retail deposit-taking, corporate lending, and fee-based businesses such as asset management and insurance distribution under a single entity.
- ECB rate cuts compress net interest margins
- Spanish mortgage demand boosts loan book growth
- Digital efficiency keeps cost-to-income ratio low
| Net Income: 1.15b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.07 > 0.02 and ΔFCF/TA -8.42 > 1.0 |
| NWC/Revenue: -2.06k% < 20% (prev -1.92k%; Δ -137.0% < -1%) |
| CFO/TA -0.07 > 3% & CFO -9.91b > Net Income 1.15b |
| Net Debt (-8.19b) to EBITDA (1.81b): -4.52 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (898.7m) vs 12m ago 0.00% < -2% |
| Gross Margin: 67.73% > 18% (prev 60.87%; Δ 6.86% > 0.5%) |
| Asset Turnover: 3.46% > 50% (prev 3.79%; Δ -0.32% > 0%) |
| Interest Coverage Ratio: 1.13 > 6 (EBIT TTM 1.72b / Interest Expense TTM 1.52b) |
| A: -0.69 (Total Current Assets 19.2b - Total Current Liabilities 116b) / Total Assets 141b |
| B: 0.05 (Retained Earnings 6.59b / Total Assets 141b) |
| C: 0.01 (EBIT TTM 1.72b / Avg Total Assets 136b) |
| D: 0.05 (Book Value of Equity 6.70b / Total Liabilities 134b) |
| Altman-Z'' = -4.23 = D |
As of August 22, 2026, the stock is trading at EUR 16.66 with a total of 1,674,220 shares traded. Over the past week, the price has changed by -0.63%, over one month by +6.52%, over three months by +20.59% and over the past year by +31.83%.
Current recommended Stop Loss: 16.20 (which is 2.8% or 1.6 ATR below the current price).
Bankinter has no consensus analysts rating.
P/E Trailing = 13.6301
P/E Forward = 12.9032
P/S = 5.3247
P/B = 2.2477
P/EG = 10.1526
Revenue TTM = 4.72b EUR
EBIT TTM = 1.72b EUR
EBITDA TTM = 1.81b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 11.0b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -8.19b EUR (calculated: Debt 11.0b - CCE 19.2b)
Enterprise Value = 6.87b EUR (15.1b + Debt 11.0b - CCE 19.2b)
Interest Coverage Ratio = 1.13 (Ebit TTM 1.72b / Interest Expense TTM 1.52b)
EV/FCF = -0.69x (Enterprise Value 6.87b / FCF TTM -9.95b)
FCF Yield = -144.7% (FCF TTM -9.95b / Enterprise Value 6.87b)
FCF Margin = -210.6% (FCF TTM -9.95b / Revenue TTM 4.72b)
Net Margin = 24.42% (Net Income TTM 1.15b / Revenue TTM 4.72b)
Gross Margin = 67.73% ((Revenue TTM 4.72b - Cost of Revenue TTM 1.52b) / Revenue TTM)
Gross Margin QoQ = 67.94% (prev 68.34%)
Tobins Q-Ratio = 0.05 (Enterprise Value 6.87b / Total Assets 141b)
Interest Expense / Debt = 13.80% (Interest Expense 1.52b / Debt 11.0b)
Taxrate = 28.89% (468.7m / 1.62b)
NOPAT = 1.23b (EBIT 1.72b * (1 - 28.89%))
Current Ratio = 0.17 (Total Current Assets 19.2b / Total Current Liabilities 116b)
Debt / Equity = 1.65 (Debt 11.0b / totalStockholderEquity, last quarter 6.70b)
Debt / EBITDA = -4.52 (Net Debt -8.19b / EBITDA 1.81b)
Debt / FCF = 0.82 (negative FCF - burning cash) (Net Debt -8.19b / FCF TTM -9.95b)
Total Stockholder Equity = 6.52b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.85% (Net Income 1.15b / Total Assets 141b)
RoE = 17.70% (Net Income TTM 1.15b / Total Stockholder Equity 6.52b)
RoCE = 7.02% (EBIT 1.72b / Capital Employed (Total Assets 141b - Current Liab 116b))
RoIC = 5.04% (NOPAT 1.23b / Invested Capital 24.3b)
WACC = 8.18% (E(15.1b)/V(26.1b) * Re(6.98%) + D(11.0b)/V(26.1b) * Rd(13.80%) * (1-Tc(0.29)))
Discount Rate = 6.98% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 29.55 | Cagr: 0.01%
[DCF] Fair Price = unknown (Cash Flow -9.95b)
EPS Correlation: 98.61 | EPS CAGR: 12.95% | SUE: 2.13 | # QB: 1
Revenue Correlation: 38.71 | Revenue CAGR: 3.60% | SUE: 0.53 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.32 | Chg30d=+4.84% | Revisions=+50% | Analysts=4
EPS current Year (2026-12-31): EPS=1.32 | Chg30d=+3.14% | Revisions=+83% | GrowthEPS=+12.8% | GrowthRev=+7.7%
EPS next Year (2027-12-31): EPS=1.45 | Chg30d=+3.58% | Revisions=+85% | GrowthEPS=+10.0% | GrowthRev=+7.2%
[Analyst] Revisions Ratio: +92% (up=35, down=0)