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Bankinter, S.A. (BKT.MC)
Madrid, ES
Bankinter, S.A., a Spanish financial institution headquartered in Madrid and founded in 1965, offers a broad spectrum of banking and financial services. It caters to a diverse clientele including private individuals, corporate clients, and small to medium-sized enterprises primarily within Spain. The bank's extensive product range features various current and deposit accounts, including specialized options for salaries, professionals, businesses, and foreign currencies. Additionally, it provides diverse lending solutions such as mortgages and other financing facilities. For savings and investments, Bankinter presents a wide selection of products like profiled funds, sustainable investment options, funds from other managers, pension funds, themed investments, and products designed for new investors, alongside regular investment plans. Clients also have access to expert advisory services, customized investment strategies, wealth management, and alternative investment opportunities. Beyond traditional banking, Bankinter offers a comprehensive suite of insurance products, encompassing accident, home, life, funeral, health, mortgage payment protection, property, personal, motor, and business insurance. The bank further supports its customers with various ancillary services, including estate and asset management, account transfers, real estate, and brokerage. Bankinter operates across retail, personal, private, commercial, and corporate banking segments, complemented by robust remote banking capabilities. As of the end of 2021, its operational footprint included 446 branches and 379 agents. The company transitioned to its current name, Bankinter, S.A., in July 1990, having previously operated as Banco Intercontinental Español, S.A.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.83% | +2.23% | +2.08% | +2.01% | +6.67% | +2.15% | +27.56% | +164.44% | +208.42% | +191.05% | +3,302,511,315.53% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 4 | 0 |
| Buy | 7 | 0 |
| Hold | 7 | 0 |
| Sell | 3 | 0 |
| Strong Sell | 1 | 0 |
-
Revenue growth-9.5% Q1'26: -3.5% (vs Q1'25)
-
EPS growth+16.5% Q1'26: +6.9% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +35.3% (vs Q1'25)
-
ROIC— Q1'26: -87.4% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.7% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 6.09× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 17 Rev. Ana. 17 EPS Ana. |
Dec 2027 18 Rev. Ana. 18 EPS Ana. |
Dec 2028 17 Rev. Ana. 15 EPS Ana. |
Dec 2029 14 Rev. Ana. 10 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.04B
est: 1.55B (+31.3%)
|
2.06B
est: 1.69B (+22.3%)
|
2.17B
est: 1.83B (+18.5%)
|
2.27B
est: 1.94B (+17.3%)
|
1.97B
est: 2.04B (-3.8%)
|
1.99B
est: 1.70B (+16.7%)
|
2.17B
est: 1.84B (+18.1%)
|
2.49B
est: 2.06B (+21.1%)
|
4.38B
est: 2.43B (+80.4%)
|
5.20B
est: 2.89B (+79.9%)
|
4.71B
est: 3.04B (+55.0%)
|
3.24B
3.19B – 3.30B
+6.6% YoY
|
3.44B
3.33B – 3.59B
+6.4% YoY
|
3.62B
3.62B – 3.62B
+5.2% YoY
|
3.85B
3.75B – 3.97B
+6.3% YoY
|
| EBITDA |
581.98M
est: 423.19M (+37.5%)
|
735.61M
est: 459.20M (+60.2%)
|
738.07M
est: 498.84M (+48.0%)
|
782.89M
est: 527.99M (+48.3%)
|
687.92M
est: 556.33M (+23.7%)
|
306.12M
est: 463.81M (-34.0%)
|
614.50M
est: 501.15M (+22.6%)
|
865.13M
est: 560.64M (+54.3%)
|
1.31B
est: 754.55M (+73.7%)
|
1.45B
est: 899.39M (+60.9%)
|
1.64B
est: 944.86M (+73.2%)
|
1.01B
991.23M – 1.02B
+6.6% YoY
|
1.07B
1.04B – 1.12B
+6.4% YoY
|
1.13B
1.13B – 1.13B
+5.2% YoY
|
1.20B
1.17B – 1.23B
+6.3% YoY
|
| EBIT |
520.33M
est: 379.21M (+37.2%)
|
676.71M
est: 411.47M (+64.5%)
|
677.12M
est: 447.00M (+51.5%)
|
721.09M
est: 473.12M (+52.4%)
|
606.98M
est: 498.51M (+21.8%)
|
230.54M
est: 415.60M (-44.5%)
|
536.71M
est: 449.06M (+19.5%)
|
785.04M
est: 502.37M (+56.3%)
|
1.23B
est: 704.33M (+74.5%)
|
1.36B
est: 839.53M (+62.0%)
|
1.64B
est: 881.98M (+85.5%)
|
939.81M
925.26M – 956.50M
+6.6% YoY
|
999.78M
966.39M – 1.04B
+6.4% YoY
|
1.05B
1.05B – 1.05B
+5.2% YoY
|
1.12B
1.09B – 1.15B
+6.3% YoY
|
| Net Income |
375.92M
est: 272.99M (+37.7%)
|
490.11M
est: 317.52M (+54.4%)
|
495.21M
est: 343.91M (+44.0%)
|
526.40M
est: 370.94M (+41.9%)
|
550.67M
est: 378.41M (+45.5%)
|
317.12M
est: 200.05M (+58.5%)
|
1.33B
est: 382.24M (+248.8%)
|
560.20M
est: 548.34M (+2.2%)
|
844.79M
est: 869.56M (-2.8%)
|
952.97M
est: 922.78M (+3.3%)
|
1.09B
est: 1.05B (+3.9%)
|
1.18B
1.06B – 1.20B
+12.1% YoY
|
1.28B
1.11B – 1.41B
+9.1% YoY
|
1.37B
1.20B – 1.45B
+6.7% YoY
|
1.49B
1.44B – 1.55B
+8.9% YoY
|
| SGA |
305.94M
est: 158.96M (+92.5%)
|
380.66M
est: 172.49M (+120.7%)
|
385.03M
est: 187.38M (+105.5%)
|
403.95M
est: 198.33M (+103.7%)
|
283.29M
est: 208.97M (+35.6%)
|
271.97M
est: 174.22M (+56.1%)
|
266.22M
est: 188.24M (+41.4%)
|
291.46M
est: 210.59M (+38.4%)
|
312.06M
est: 229.30M (+36.1%)
|
332.24M
est: 273.32M (+21.6%)
|
461.26M
est: 287.14M (+60.6%)
|
305.97M
301.23M – 311.40M
+6.6% YoY
|
325.49M
314.62M – 339.55M
+6.4% YoY
|
342.27M
342.10M – 342.45M
+5.2% YoY
|
363.71M
354.72M – 374.94M
+6.3% YoY
|
| EPS |
0.42
est: 0.30 (+38.3%)
|
0.54
est: 0.35 (+52.8%)
|
0.54
est: 0.38 (+41.1%)
|
0.59
est: 0.41 (+42.9%)
|
0.61
est: 0.42 (+44.9%)
|
0.35
est: 0.22 (+57.2%)
|
1.49
est: 0.43 (+250.3%)
|
0.61
est: 0.61 (0.0%)
|
0.91
est: 0.97 (-6.0%)
|
1.06
est: 1.02 (+3.6%)
|
1.20
est: 1.16 (+3.2%)
|
1.28
1.18 – 1.34
+10.4% YoY
|
1.40
1.23 – 1.57
+8.7% YoY
|
1.49
1.34 – 1.61
+6.8% YoY
|
1.66
1.60 – 1.72
+11.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-28 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-27 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-26 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-25 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-22 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-21 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-20 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-19 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-18 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-15 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-14 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-13 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-12 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-11 | B- | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-08 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-07 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-06 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-05 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-04 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-30 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-29 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-28 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-15 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Gloria Ortiz Portero | Chief Executive Officer & Executive Director | 1M | female |
| Alfonso Botin-Sanz de Sautuola y Naveda | Executive Vice Chairman | 245.9K | male |
| Antonio Muñoz | Head of Treasury & Capital Markets | — | male |
| David López Finistrosa | Director of Investor Relations | — | male |
| Jacobo Diaz Garcia | Chief Financial Officer | — | male |
| Jaime Inigo Guerra Azcona | Director General of Investment Banking Area, Head of Legal & Tax Division and General Council | — | male |
| Julio Gabriel Zapatero Gaviria | Director General & Chief Risk Officer | — | male |
| Marta Centeno Robles | Director of Corporate Development, Products & Markets | — | female |
| María Paramés | Head of Employees, Corporation Communication & Quality | — | female |
| Alfonso Ma Saez | Head of Consumer Finance | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for BKT.MC
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
