(BKT) Bankinter - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: MC (Spain) | Market Cap: 13.027m EUR | Total Return: 55.3% in 12m
Banking, Loans, Investments, Insurance, Cards
Total Rating 53
Safety 70
Buy Signal -0.19
Banks - Regional
Industry Rotation: +3.0
Industry Rotation: +3.0
Market Cap:
15.4B
Avg Turnover: 24.1M EUR
Avg Turnover: 24.1M EUR
ATR:
2.53%
Peers RS (IBD): 39.8
Peers RS (IBD): 39.8
Risk 5d forecast
Volatility24.2%
Rel. Tail Risk-2.10%
Reward TTM
Sharpe Ratio1.95
Alpha47.83
Character TTM
Beta0.240
Beta Downside0.293
Drawdowns 3y
Max DD20.63%
CAGR/Max DD2.49
EPS (Earnings per Share)
EPS CAGR: 16.35%
EPS Trend: 80.2%
EPS Trend: 80.2%
Last SUE: 0.48
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 22.51%
Rev. Trend: 80.9%
Rev. Trend: 80.9%
Last SUE: 1.97
Qual. Beats: 1
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: BKT Bankinter
Bankinter, S.A. is a diversified bank operating in Spain, Luxembourg, Portugal, and Ireland. The company serves individual, corporate, and small-to-medium enterprise clients.
Its business model spans commercial banking, corporate banking, and specialized financial services through various segments. The banking sector is characterized by stringent regulatory environments and capital requirements.
Bankinter offers a broad range of products, including various account types, debit and credit cards, mortgages, loans, and investment banking services. The company also provides a comprehensive suite of insurance products, covering home, life, health, and motor vehicles, alongside business-specific insurance. Diversified financial institutions often generate revenue through interest income from loans and fees from services.
Further research on ValueRay can provide deeper insights into Bankinters financial performance and market position.
- Net interest income growth drives profitability
- Loan portfolio expansion boosts revenue
- Regulatory changes impact capital requirements
- Economic downturns reduce loan demand
Piotroski VR‑10 (Strict)
4.0
| Net Income: 1.09b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.08 > 0.02 and ΔFCF/TA -9.06 > 1.0 |
| NWC/Revenue: -2.00k% < 20% (prev -1.41k%; Δ -588.5% < -1%) |
| CFO/TA -0.08 > 3% & CFO -9.91b > 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 6.48k% > 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) |
What is the price of BKT shares?
As of April 17, 2026, the stock is trading at EUR 14.76 with a total of 1,890,518 shares traded.
Over the past week, the price has changed by +3.43%, over one month by +14.08%, over three months by +4.79% and over the past year by +55.34%.
Over the past week, the price has changed by +3.43%, over one month by +14.08%, over three months by +4.79% and over the past year by +55.34%.
Is BKT a buy, sell or hold?
Bankinter has no consensus analysts rating.
What are the forecasts/targets for the BKT price?
| Analysts Target Price | - | - |
Bankinter (BKT) - Fundamental Data Overview
as of 13 April 2026
Market Cap USD = 15.38b (13.03b EUR * 1.1807 EUR.USD)P/E Trailing = 12.3889
P/E Forward = 11.236
P/S = 4.7804
P/B = 2.0318
P/EG = 10.1526
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 = 8.41b EUR (13.03b + Debt 10.38b - CCE 15.00b)
Interest Coverage Ratio = 0.51 (Ebit TTM 826.9m / Interest Expense TTM 1.63b)
EV/FCF = -0.85x (Enterprise Value 8.41b / FCF TTM -9.95b)
FCF Yield = -118.3% (FCF TTM -9.95b / Enterprise Value 8.41b)
FCF Margin = -211.2% (FCF TTM -9.95b / 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 8.41b / 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 = 0.46 (negative FCF - burning cash) (Net Debt -4.62b / FCF TTM -9.95b)
Total Stockholder Equity = 6.28b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.86% (Net Income 1.09b / Total Assets 131.02b)
RoE = 17.36% (Net Income TTM 1.09b / Total Stockholder Equity 6.28b)
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 = 4.94% (E(13.03b)/V(23.41b) * Re(6.83%) + D(10.38b)/V(23.41b) * Rd(3.62%) * (1-Tc(0.29)))
Discount Rate = 6.83% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: 100.0 | Cagr: 0.00%
[DCF] Fair Price = unknown (Cash Flow -9.95b)
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 (2026-06-30): EPS=0.31 | Chg7d=+0.003 | Chg30d=+0.003 | Revisions Net=+1 | Analysts=3
EPS current Year (2026-12-31): EPS=1.28 | Chg7d=-0.002 | Chg30d=-0.000 | Revisions Net=+0 | Growth EPS=+9.3% | Growth Revenue=+6.6%
EPS next Year (2027-12-31): EPS=1.38 | Chg7d=+0.003 | Chg30d=-0.002 | Revisions Net=+0 | Growth EPS=+7.5% | Growth Revenue=+5.5%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.1% (Discount Rate 7.9% - Earnings Yield 8.1%)
[Growth] Growth Spread = +6.1% (Analyst 6.0% - Implied -0.1%)