Bankinter, S.A. Logo

Bankinter, S.A.

BKNIY

(2.0)
Stock Price

8,27 USD

0.76% ROA

16.6% ROE

7.46x PER

Market Cap.

6.712.325.954,57 USD

336.47% DER

5.25% Yield

25.42% NPM

Bankinter, S.A. Stock Analysis

Bankinter, S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bankinter, S.A. Fundamental Stock Analysis
# Analysis Rating
1 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

2 ROE

ROE in an average range (14.24%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (0.64%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 PBV

The stock's PBV ratio (1.09x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

6 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (37), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 DER

The company has a high debt to equity ratio (150%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

11 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

Bankinter, S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bankinter, S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Bankinter, S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bankinter, S.A. Revenue
Year Revenue Growth
2004 577.710.000
2005 648.788.000 10.96%
2006 813.980.000 20.29%
2007 933.450.000 12.8%
2008 1.032.890.000 9.63%
2009 1.262.836.000 18.21%
2010 1.111.854.000 -13.58%
2011 1.105.327.000 -0.59%
2012 1.305.520.000 15.33%
2013 1.358.078.000 3.87%
2014 1.459.547.000 6.95%
2015 1.584.445.000 7.88%
2016 1.756.671.000 9.8%
2017 1.940.495.000 9.47%
2018 2.049.228.000 5.31%
2019 2.167.294.000 5.45%
2020 1.846.011.000 -17.4%
2021 2.002.206.000 7.8%
2022 2.231.567.000 10.28%
2023 2.942.916.000 24.17%
2023 4.578.112.000 35.72%
2024 3.036.000.000 -50.79%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bankinter, S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bankinter, S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 138.930.000
2005 160.703.000 13.55%
2006 174.940.000 8.14%
2007 214.036.000 18.27%
2008 236.952.000 9.67%
2009 253.785.000 6.63%
2010 260.580.000 2.61%
2011 250.857.000 -3.88%
2012 256.506.000 2.2%
2013 259.926.000 1.32%
2014 286.735.000 9.35%
2015 305.942.000 6.28%
2016 380.660.000 19.63%
2017 385.032.000 1.14%
2018 403.951.000 4.68%
2019 413.367.000 2.28%
2020 306.586.000 -34.83%
2021 302.631.000 -1.31%
2022 409.178.000 26.04%
2023 431.348.000 5.14%
2023 271.478.000 -58.89%
2024 447.996.000 39.4%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bankinter, S.A. EBITDA
Year EBITDA Growth
2004 260.779.000
2005 286.476.000 8.97%
2006 340.487.000 15.86%
2007 509.440.000 33.16%
2008 369.904.000 -37.72%
2009 877.334.000 57.84%
2010 267.397.000 -228.1%
2011 304.245.000 12.11%
2012 220.044.000 -38.27%
2013 360.654.000 38.99%
2014 456.612.000 21.02%
2015 581.983.000 21.54%
2016 735.605.000 20.88%
2017 738.068.000 0.33%
2018 782.887.000 5.72%
2019 822.348.000 4.8%
2020 449.113.000 -83.1%
2021 1.550.171.000 71.03%
2022 865.126.000 -79.18%
2023 1.513.620.000 42.84%
2023 113.644.000 -1231.9%
2024 -30.792.000 469.07%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bankinter, S.A. Gross Profit
Year Gross Profit Growth
2004 577.710.000
2005 648.788.000 10.96%
2006 813.980.000 20.29%
2007 933.450.000 12.8%
2008 1.032.890.000 9.63%
2009 1.262.836.000 18.21%
2010 1.111.854.000 -13.58%
2011 1.105.327.000 -0.59%
2012 1.305.520.000 15.33%
2013 1.358.078.000 3.87%
2014 1.459.547.000 6.95%
2015 1.584.445.000 7.88%
2016 1.756.671.000 9.8%
2017 1.940.495.000 9.47%
2018 2.049.228.000 5.31%
2019 2.167.294.000 5.45%
2020 1.846.011.000 -17.4%
2021 2.002.206.000 7.8%
2022 2.231.567.000 10.28%
2023 2.942.916.000 24.17%
2023 4.578.112.000 35.72%
2024 3.036.000.000 -50.79%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bankinter, S.A. Net Profit
Year Net Profit Growth
2004 173.378.000
2005 187.702.000 7.63%
2006 208.490.000 9.97%
2007 361.863.000 42.38%
2008 252.289.000 -43.43%
2009 254.404.000 0.83%
2010 150.730.000 -68.78%
2011 181.227.000 16.83%
2012 124.654.000 -45.38%
2013 189.900.000 34.36%
2014 275.887.000 31.17%
2015 375.920.000 26.61%
2016 474.561.000 20.79%
2017 471.937.000 -0.56%
2018 501.370.000 5.87%
2019 526.515.000 4.78%
2020 317.123.000 -66.03%
2021 1.333.108.000 76.21%
2022 560.203.000 -137.97%
2023 1.067.104.000 47.5%
2023 844.787.000 -26.32%
2024 1.090.716.000 22.55%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bankinter, S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 0
2005 0 0%
2006 0 0%
2007 1 0%
2008 1 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 0 0%
2021 1 100%
2022 1 0%
2023 1 100%
2023 1 0%
2024 1 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bankinter, S.A. Free Cashflow
Year Free Cashflow Growth
2005 333.588.000
2006 -87.188.000 482.61%
2007 403.847.000 121.59%
2008 -457.684.000 188.24%
2009 1.048.646.000 143.65%
2010 1.468.249.000 28.58%
2010 -157.170.000 1034.18%
2011 91.863.000 271.09%
2012 -157.363.000 158.38%
2013 806.687.000 119.51%
2014 -902.283.000 189.41%
2015 163.907.000 650.48%
2016 1.711.203.000 90.42%
2017 2.164.689.000 20.95%
2018 86.654.000 -2398.08%
2019 11.198.000 -673.83%
2020 8.451.624.000 99.87%
2021 6.983.511.000 -21.02%
2022 -8.107.226.000 186.14%
2023 6.074.644.000 233.46%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bankinter, S.A. Operating Cashflow
Year Operating Cashflow Growth
2005 383.626.000
2006 -25.589.000 1599.18%
2007 453.176.000 105.65%
2008 -307.697.000 247.28%
2009 1.465.178.000 121%
2010 1.544.877.000 5.16%
2010 -157.170.000 1082.93%
2011 186.683.000 184.19%
2012 -132.587.000 240.8%
2013 846.619.000 115.66%
2014 -805.032.000 205.17%
2015 270.219.000 397.92%
2016 1.779.105.000 84.81%
2017 2.228.916.000 20.18%
2018 175.726.000 -1168.4%
2019 156.475.000 -12.3%
2020 8.538.308.000 98.17%
2021 7.050.834.000 -21.1%
2022 -8.034.976.000 187.75%
2023 6.165.026.000 230.33%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bankinter, S.A. Capital Expenditure
Year Capital Expenditure Growth
2005 50.038.000
2006 61.599.000 18.77%
2007 49.329.000 -24.87%
2008 149.987.000 67.11%
2009 416.532.000 63.99%
2010 76.628.000 -443.58%
2010 0 0%
2011 94.820.000 100%
2012 24.776.000 -282.71%
2013 39.932.000 37.95%
2014 97.251.000 58.94%
2015 106.312.000 8.52%
2016 67.902.000 -56.57%
2017 64.227.000 -5.72%
2018 89.072.000 27.89%
2019 145.277.000 38.69%
2020 86.684.000 -67.59%
2021 67.323.000 -28.76%
2022 72.250.000 6.82%
2023 90.382.000 20.06%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bankinter, S.A. Equity
Year Equity Growth
2004 1.255.123.000
2005 1.447.831.000 13.31%
2006 1.608.534.000 9.99%
2007 1.745.417.000 7.84%
2008 1.965.004.000 11.17%
2009 2.582.881.000 23.92%
2010 2.579.695.000 -0.12%
2011 3.086.996.000 16.43%
2012 3.231.097.000 4.46%
2013 3.403.545.000 5.07%
2014 3.643.448.000 6.58%
2015 3.798.177.000 4.07%
2016 4.097.375.000 7.3%
2017 4.357.140.000 5.96%
2018 4.485.852.000 2.87%
2019 4.799.965.000 6.54%
2020 4.964.157.000 3.31%
2021 4.852.160.000 -2.31%
2022 4.904.973.000 1.08%
2023 5.292.570.000 7.32%
2023 5.322.940.000 0.57%
2024 5.643.811.000 5.69%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bankinter, S.A. Assets
Year Assets Growth
2004 31.270.200.000
2005 1.447.831.000 -2059.8%
2006 46.099.701.000 96.86%
2007 49.648.680.000 7.15%
2008 53.469.627.000 7.15%
2009 54.467.464.000 1.83%
2010 54.151.977.000 -0.58%
2011 59.491.426.000 8.98%
2012 58.165.890.000 -2.28%
2013 55.135.662.000 -5.5%
2014 57.332.974.000 3.83%
2015 58.659.810.000 2.26%
2016 67.182.467.000 12.69%
2017 71.332.651.000 5.82%
2018 76.501.539.000 6.76%
2019 83.732.345.000 8.64%
2020 96.252.093.000 13.01%
2021 107.584.108.000 10.53%
2022 107.507.032.000 -0.07%
2023 108.362.654.000 0.79%
2023 113.011.642.000 4.11%
2024 118.399.842.000 4.55%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bankinter, S.A. Liabilities
Year Liabilities Growth
2004 7.240.033.000
2005 12.368.483.000 41.46%
2006 14.868.083.000 16.81%
2007 16.805.045.000 11.53%
2008 14.700.741.000 -14.31%
2009 19.089.811.000 22.99%
2010 18.014.053.000 -5.97%
2011 16.498.412.000 -9.19%
2012 13.267.046.000 -24.36%
2013 10.128.810.000 -30.98%
2014 9.919.232.000 -2.11%
2015 11.079.445.000 10.47%
2016 63.085.092.000 82.44%
2017 66.975.511.000 5.81%
2018 72.015.687.000 7%
2019 78.932.380.000 8.76%
2020 91.287.936.000 13.53%
2021 102.731.948.000 11.14%
2022 102.602.059.000 -0.13%
2023 8.447.012.000 -1114.66%
2023 107.688.702.000 92.16%
2024 112.756.031.000 4.49%

Bankinter, S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3.94
Net Income per Share
1
Price to Earning Ratio
7.46x
Price To Sales Ratio
1.9x
POCF Ratio
81.77
PFCF Ratio
81.77
Price to Book Ratio
1.19
EV to Sales
4.04
EV Over EBITDA
19.76
EV to Operating CashFlow
174.44
EV to FreeCashFlow
174.44
Earnings Yield
0.13
FreeCashFlow Yield
0.01
Market Cap
6,71 Bil.
Enterprise Value
14,32 Bil.
Graham Number
11.9
Graham NetNet
-112.81

Income Statement Metrics

Net Income per Share
1
Income Quality
0.09
ROE
0.17
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.69
EBT Per Ebit
1.08
Ebit per Revenue
0.34
Effective Tax Rate
0.32

Margins

Sales, General, & Administrative to Revenue
0.08
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.34
Pretax Profit Margin
0.37
Net Profit Margin
0.25

Dividends

Dividend Yield
0.05
Dividend Yield %
5.25
Payout Ratio
0
Dividend Per Share
0.39

Operating Metrics

Operating Cashflow per Share
0.09
Free CashFlow per Share
0.09
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
12,67
Book Value per Share
6,28
Tangible Book Value per Share
5.94
Shareholders Equity per Share
6.28
Interest Debt per Share
23.33
Debt to Equity
3.36
Debt to Assets
0.16
Net Debt to EBITDA
10.5
Current Ratio
3.39
Tangible Asset Value
5,34 Bil.
Net Current Asset Value
-94,68 Bil.
Invested Capital
13489606000
Working Capital
12,75 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.83

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bankinter, S.A. Dividends
Year Dividends Growth
2003 1
2004 1 100%
2005 1 0%
2006 1 0%
2007 0 0%
2008 1 0%
2009 1 100%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 2 100%
2022 0 0%
2023 0 0%
2024 0 0%

Bankinter, S.A. Profile

About Bankinter, S.A.

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.

CEO
Ms. Gloria Ortiz Portero
Employee
6.612
Address
Paseo de la Castellana Number 29
Madrid, 28046

Bankinter, S.A. Executives & BODs

Bankinter, S.A. Executives & BODs
# Name Age
1 Mr. Julio Gabriel Zapatero Gaviria
Director General & Chief Risk Officer
70
2 Ms. Marta Centeno Robles
Director of Corporate Development, Products & Markets
70
3 Mr. Antonio Muñoz
Head of Treasury & Capital Markets
70
4 Mr. Alfonso Ma Saez
Head of Consumer Finance
70
5 Mr. Alfonso Botin-Sanz de Sautuola y Naveda
Executive Vice Chairman
70
6 Ms. Gloria Ortiz Portero
Chief Executive Officer & Director
70
7 Mr. Jacobo Diaz Garcia
Chief Financial Officer
70
8 Mr. Iñigo Guerra Azcona
Director General of Investment Banking Area, Head of Legal & Tax Division and General Council
70
9 Ms. María Paramés
Head of Employees, Corporate Communication & Quality
70
10 Mr. David López Finistrosa
Director of Investor Relations
70

Bankinter, S.A. Competitors