Bankinter

Bankinter

BKT · MC · Financial Services / Banks - Regional

14.64EUR-0.14 (-0.98%)

Price History

Full chart

Market Stats

Previous Close14.79
Open14.76
Day Range14.64 – 14.84
52-Week Range12.39 – 17.02
Volume1.44M
Market Cap12.67B
P/E (TTM)11.19
Forward P/E9.53
EPS1.26
Dividend Yield4.43%
Beta0.04
50-Day Avg15.91
200-Day Avg14.88

About

Bankinter, S.A. provides various banking products and services to individuals, corporates, and small- and medium-sized enterprises in Spain, Luxembourg, Portugal, and Ireland. The company operates through Commercial Banking, Corporate Banking, BKCF Spain, BK Portugal, BK Ireland, and Other Businesses segments. It 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. The company 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, it 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, the company 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, it 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Gloria Ortiz Portero
  • Employees6.67K
  • HeadquartersPaseo de la Castellana, nº 29, Madrid, Spain, 28046, Spain
  • Websitehttps://www.bankinter.com

Leadership

  • Ms. Gloria Ortiz PorteroCEO & Executive Director
  • Mr. Alfonso Botin-Sanz de Sautuola y NavedaExecutive Vice Chairman · b. 1970
  • Mr. Jacobo Diaz GarciaChief Financial Officer
  • Mr. Jaime Inigo Guerra AzconaDirector General of Investment Banking Area, Head of Legal & Tax Division and General Council · b. 1973
  • Mr. David López FinistrosaDirector of Investor Relations
  • Ms. María ParamésHead of Employees, Corporate Communication & Quality
  • Ms. Marta Centeno RoblesDirector of Corporate Development, Products & Markets
  • Mr. Alfonso Ma SaezHead of Consumer Finance
  • Mr. Julio Gabriel Zapatero GaviriaDirector General & Chief Risk Officer
  • Mr. Antonio MuñozHead of Treasury & Capital Markets

Financials

Income Statement

Currency: EUR2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.14B1.37B1.22B1.23B1.04B1.36B1.81B2.56B2.95B2.14B1.77B2.21B2.35B2.25B2.15B2.04B2.06B2.17B2.27B1.97B1.99B2.17B2.49B4.38B5.20B4.71B
Growth (%)-+20.21%-10.79%+0.21%-14.81%+30.44%+33.14%+41.10%+15.52%-27.48%-17.53%+24.98%+6.55%-4.50%-4.27%-5.10%+1.04%+5.28%+4.76%-13.55%+1.11%+9.32%+14.71%+75.60%+18.86%-9.48%
Cost of Revenue----466.00M655.66M998.59M1.58B1.92B879.90M652.63M1.09B1.05B840.33M648.96M414.31M292.44M226.81M226.17M200.93M138.75M171.07M230.88M1.46B2.12B1.63B
Gross Profit----577.71M705.78M813.98M973.56M1.03B1.26B1.11B1.11B1.31B1.41B1.50B1.63B1.77B1.94B2.05B1.77B1.85B2.00B2.26B2.91B3.08B3.08B
Gross Margin----55.35%51.84%44.91%38.07%34.95%58.93%63.06%50.48%55.48%62.60%69.83%79.70%85.82%89.55%90.06%89.78%93.02%92.13%90.74%66.55%59.23%65.43%
Operating Expense----316.93M440.34M497.64M489.09M695.51M916.75M909.05M874.50M1.15B1.15B1.11B1.11B1.09B1.27B1.33B1.16B1.62B1.47B1.48B1.68B1.72B1.45B
Operating Income745.20M910.48M784.19M732.17M260.78M265.44M316.34M484.46M336.97M345.94M205.21M240.15M154.18M261.10M392.84M520.33M676.71M677.12M721.09M606.98M230.54M536.71M785.04M1.23B1.36B1.64B
Operating Margin65.37%66.44%64.14%59.76%24.99%19.50%17.45%18.94%11.41%16.15%11.61%10.87%6.55%11.62%18.26%25.49%32.81%31.19%31.70%30.87%11.60%24.69%31.49%28.07%26.13%34.74%
EBITDA----260.78M286.48M340.49M509.44M369.90M399.40M267.40M304.25M220.04M324.19M456.61M581.98M735.61M738.07M782.89M687.92M306.12M614.50M865.13M1.31B1.45B1.64B
EBITDA Margin----24.99%21.04%18.78%19.92%12.52%18.64%15.13%13.78%9.35%14.43%21.23%28.51%35.67%33.99%34.42%34.99%15.40%28.27%34.70%29.94%27.81%34.74%
Net Income----173.38M187.70M208.49M361.86M252.29M254.40M150.73M181.23M124.65M189.90M275.89M375.92M490.11M495.21M526.40M550.66M317.12M1.33B560.20M844.79M952.97M1.09B
Net Income Margin----16.61%13.79%11.50%14.15%8.54%11.87%8.53%8.21%5.30%8.45%12.83%18.42%23.76%22.81%23.14%28.01%15.95%61.34%22.47%19.30%18.31%23.14%
Interest Expense0000466.00M655.66M998.59M1.58B1.92B879.90M652.63M1.09B1.05B840.33M648.96M414.31M292.44M226.81M226.17M200.93M138.75M171.07M230.88M1.46B2.12B1.63B
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%44.65%48.16%55.09%61.93%65.05%41.07%36.94%49.52%44.52%37.40%30.17%20.30%14.18%10.45%9.94%10.22%6.98%7.87%9.26%33.45%40.77%34.57%

Balance Sheet

Currency: EUR2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets19.14B21.44B22.65B23.93B31.27B1.45B46.10B49.65B53.47B54.47B54.15B59.49B58.17B55.14B57.33B58.66B67.18B71.33B76.50B83.73B96.25B107.58B107.51B113.01B121.97B131.02B
Total Liabilities18.06B20.31B21.47B22.64B30.02B12.37B44.49B47.90B51.50B51.88B51.57B56.40B54.93B51.73B53.69B54.86B63.09B66.98B72.02B78.93B91.29B102.73B102.60B107.69B116.09B124.61B
Total Equity800.74M855.63M904.49M1.01B1.26B1.39B1.58B1.75B1.97B2.58B2.58B3.09B3.23B3.40B3.64B3.80B4.10B4.36B4.49B4.80B4.96B4.85B4.90B5.32B5.88B6.41B
Cash389.68M614.78M567.37M384.77M170.76M435.92M539.18M946.49M3.58B4.29B1.80B2.19B1.77B2.99B2.02B1.49B3.59B5.63B5.54B7.40B16.07B24.02B13.35B16.11B18.01B15.00B
Total Debt----7.24B12.37B14.87B17.15B14.70B19.09B18.01B16.50B13.27B10.13B9.92B11.07B8.95B8.26B7.76B7.64B7.57B7.74B22.57B20.14B9.71B10.38B
Net Debt----7.07B11.93B14.33B16.21B11.12B14.80B16.22B14.31B11.50B7.14B7.90B9.58B5.36B2.62B2.22B236.22M-8.50B-16.29B-6.92B4.03B-8.31B-4.62B

Cash Flow

Currency: EUR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow383.63M-25.59M453.18M-307.70M1.47B1.54B186.68M-132.59M846.62M-805.03M270.22M1.78B2.23B175.73M156.47M8.54B7.05B-8.03B658.42M1.94B-9.91B
Investing Cash Flow31.56M43.59M133.47M-69.64M-1.58B-1.73B88.88M515.33M-350.65M517.97M519.23M431.48M-461.01M-8.79M1.31B-120.86M-63.91M-234.05M-44.23M-120.80M9.21B
Financing Cash Flow-86.91M172.44M-179.34M-187.02M238.33M-121.79M160.75M4.86M-174.88M-175.64M-219.28M-102.72M270.12M-258.29M-562.44M219.82M341.85M-752.85M-105.81M-262.44M282.44M
Capital Expenditure50.04M61.60M49.33M149.99M416.53M76.63M94.82M24.78M39.93M97.25M106.31M67.90M64.23M89.07M145.28M86.68M67.32M72.25M90.38M151.10M34.75M
Free Cash Flow333.59M-87.19M403.85M-457.68M1.05B1.47B91.86M-157.36M806.69M-902.28M163.91M1.71B2.16B86.65M11.20M8.45B6.98B-8.11B568.04M1.79B-9.95B
Dividends Paid87.04M97.14M110.19M119.57M130.44M110.41M58.35M72.16M63.44M90.10M206.22M189.45M224.50M258.41M264.66M87.76M210.77M252.48M405.83M462.35M516.72M
FCF to OCF86.96%340.72%89.11%148.75%71.57%95.04%49.21%118.69%95.28%112.08%60.66%96.18%97.12%49.31%7.16%98.98%99.05%100.90%86.27%92.22%100.35%
Dividend Paid to FCF26.09%-111.41%27.28%-26.12%12.44%7.52%63.52%-45.86%7.86%-9.99%125.81%11.07%10.37%298.20%2363.47%1.04%3.02%-3.11%71.44%25.82%-5.19%

Earnings

Report DateMar 31, 2002Jun 30, 2002Sep 30, 2002Jul 15, 2004Oct 15, 2004Apr 25, 2005Jul 19, 2005Oct 20, 2005Jan 19, 2006Apr 24, 2006Jul 17, 2006Oct 19, 2006Jan 18, 2007Apr 20, 2007Jul 16, 2007Oct 18, 2007Jan 17, 2008Apr 18, 2008Jul 24, 2008Oct 16, 2008Jan 22, 2009Apr 24, 2009Jul 23, 2009Oct 16, 2009Jan 22, 2010May 21, 2010Jul 22, 2010Oct 22, 2010Jan 21, 2011Apr 14, 2011Jul 22, 2011Oct 21, 2011Jan 19, 2012Apr 25, 2012Jul 24, 2012Oct 18, 2012Feb 1, 2013Apr 29, 2013Jul 25, 2013Oct 24, 2013Jan 23, 2014Apr 24, 2014Jul 24, 2014Oct 23, 2014Jan 27, 2015May 5, 2015Jul 23, 2015Oct 22, 2015Jan 21, 2016Apr 21, 2016Jul 21, 2016Oct 20, 2016Jan 26, 2017Apr 27, 2017Jul 26, 2017Oct 25, 2017Jan 25, 2018Apr 25, 2018Jul 26, 2018Oct 24, 2018Jan 24, 2019Apr 25, 2019Jul 24, 2019Oct 30, 2019Jan 22, 2020Apr 24, 2020Jul 23, 2020Oct 22, 2020Jan 21, 2021Apr 22, 2021Jul 21, 2021Oct 21, 2021Jan 19, 2022Apr 25, 2022Jul 21, 2022Oct 20, 2022Jan 18, 2023Apr 20, 2023Jul 20, 2023Oct 29, 2023Jan 24, 2024Apr 22, 2024Jul 17, 2024Oct 24, 2024Jan 22, 2025Apr 23, 2025Jul 23, 2025Oct 22, 2025Jan 20, 2026Apr 22, 2026Jul 23, 2026Oct 22, 2026Jan 21, 2027
EPS Estimate---0.060.060.070.080.070.440.090.080.090.080.110.250.090.090.110.110.100.090.100.080.120.100.07-0.07-0.060.06-0.020.050.06-0.040.040.030.030.030.090.080.100.100.110.100.120.090.120.110.120.110.130.130.140.120.160.140.160.120.160.150.160.120.110.040.130.080.120.090.120.050.140.120.170.200.170.240.280.220.210.300.280.250.270.270.290.290.300.310.320.34
EPS Actual0.050.040.040.060.060.080.080.080.070.100.080.090.070.130.250.100.070.110.090.100.080.100.110.100.070.090.050.060.000.070.050.060.160.06-0.040.060.060.090.060.060.070.070.080.080.080.100.120.110.090.120.200.130.100.140.120.160.130.160.120.170.120.160.180.150.110.14-0.030.120.070.130.100.120.080.170.120.180.140.200.250.290.180.210.300.280.240.290.300.280.300.310.340.32-
Surprise---0.00%0.00%14.29%0.00%14.29%-84.09%11.11%0.00%0.00%-12.50%18.18%0.00%11.11%-22.22%0.00%-18.18%0.00%-11.11%0.00%37.50%-16.67%-30.00%28.57%--14.29%-16.67%-16.67%-700.00%20.00%-166.67%-50.00%125.00%100.00%100.00%133.33%-22.22%0.00%-20.00%-20.00%-9.09%20.00%-8.33%0.00%0.00%81.82%8.33%-9.09%7.69%-7.69%14.29%8.33%0.00%-14.29%6.25%0.00%0.00%20.00%-6.25%-8.33%27.27%-175.00%-7.69%-12.50%8.33%11.11%0.00%60.00%21.43%0.00%5.88%-30.00%17.65%4.17%3.57%-18.18%0.00%0.00%0.00%-4.00%7.41%11.11%-3.45%3.45%3.33%9.68%0.00%-
Timing---Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-After-hours-After-hoursAfter-hours-After-hoursAfter-hoursPre-market-Pre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours

Key Statistics & Ratios

Market Cap12.67B
Enterprise Value3.45B
Trailing P/E11.19
Forward P/E9.53
PEG Ratio10.15
Price / Sales4.42
Price / Book1.81
EPS1.26
Book Value7.46
Revenue (TTM)2.87B
Gross Profit (TTM)2.87B
Profit Margin41.13%
Operating Margin58.12%
Return on Equity17.64%
Return on Assets0.90%
Shares Outstanding898.70M
Shares Float875.96M
Beta0.04
Dividend Yield4.43%
Dividend Rate0.62
Payout Ratio48.59%

Dividends

20262×
0.16Jun 22, 20260.15Mar 31, 2026
20253×
0.30Nov 28, 20250.15Jun 23, 20250.12Apr 1, 2025
20243×
0.30Nov 28, 20240.11Jun 24, 20240.11Mar 26, 2024
20234×
0.14Dec 27, 20230.13Sep 25, 20230.09Jun 26, 20230.09Mar 28, 2023
20224×
0.08Dec 23, 20220.06Sep 26, 20220.07Jun 27, 20220.06Mar 28, 2022
20213×
0.05Dec 28, 20210.13Sep 29, 20210.05Feb 25, 2021
20201×
0.10Mar 24, 2020
20194×
0.06Dec 23, 20190.06Sep 23, 20190.07Jun 24, 20190.10Mar 26, 2019

Stock Splits

  • Apr 4, 201314:9
  • Jul 23, 20075:1