Bankinter, S.A. (BKNIY)

Financial Services
Banks - Regional
Spain
Yahoo Finance  •  Trading View  •  Company site
Price
$15.51
▼ -0.24 (-1.52%)
Market Cap
$13,965,914,112
Shares: 898,617,256
P/E
7.20
P/B: 1.17
ROE
16.21%
Current Ratio: 0.27
Fundamentals Score
73 (POSITIVE)

Company Overview

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

Headquarters: Paseo de la Castellana, nº 29, Madrid, 28046, Spain  |  Employees: 6663  |  Website: bankinter.com
Key Contacts
IR / Phone: 34 91 339 75 00
Exchange: PNK
Industry: Banks - Regional
Quick Financial Snapshot
Revenue$3,082,391,000
Net Income$952,971,000
Free Cash Flow$1,790,342,000
Book Value / Share$6.54

Balance Sheet & Liquidity

Total Liabilities$116,094,158,000
Total Equity$5,877,665,000
Debt / Equity3.95
Current Ratio0.27
Interest Coverage0.85
Working Capital$-66,692,787,000

Valuation Metrics

Core multiples and valuation signals — useful to compare vs peers.

P/E (TTM)7.20
Industry P/EN/A
Forward P/E25.43
P/B1.17
Price / Sales2.71
P / FCF3.83
EV / EBITDA8.36
Graham Number$12.49
DCF (placeholder)
Notes: red items typically indicate expensive multiples relative to fundamentals. Use the "Compare with industry" tool for context.

EPS (Annual)

Financial Performance

Revenue vs Net Income

Free Cash Flow (annual)

Profitability & Efficiency

Gross Margin 121.69%
Operating Margin 70.81%
Net Margin 37.62%
ROIC 3.00%
Asset Turnover 0.02

Automated Fundamental Signals (Score: 73)

Passed
  • EPS shows upward trend
  • EPS CAGR 53.69%
  • Price CAGR 8.44%
  • Gross Margin 121.7%
  • P/FCF 3.83
  • P/B Ratio 1.17
  • Operating Margin 44.1%
  • Positive Free Cash Flow
  • CapEx intensity
  • Debt/EBITDA
  • Low reliance on intangibles
  • DCF valuation (Undervalued)
Failed
  • ROIC 3.0%
  • Debt/Equity ratio
  • Current Ratio
  • Interest Coverage
  • Return on Tangible Assets
  • Price below Graham Number

Price Chart (Candlestick)

Technical Analysis (Score: 75)

RSI (14)49.45
SMA 5015.34
SMA 20012.38
MACD0.12
Signal BULLISH
RSI 49.5, SMA trend bullish, momentum 82.9%.

Governance & Management

Governance scores: Audit: N/A | Board: N/A | Compensation: N/A | Shareholder Rights: N/A
Executive Team
NameTitle
Ms. Gloria Ortiz Portero CEO & Director (—)
Mr. Alfonso Botin-Sanz de Sautuola y Naveda Executive Vice Chairman (1970)
Mr. Jacobo Diaz Garcia Chief Financial Officer (—)
Mr. Jaime Inigo Guerra Azcona Director General of Investment Banking Area, Head of Legal & Tax Division and General Council (1973)
Mr. David López Finistrosa Director of Investor Relations (—)
Ms. María Paramés Head of Employees, Corporate Communication & Quality (—)
Ms. Marta Centeno Robles Director of Corporate Development, Products & Markets (—)
Mr. Alfonso Ma Saez Head of Consumer Finance (—)
Governance data last updated: N/A

Latest News

Is Bankinter (BKNIY) Outperforming Other Finance Stocks This Year?
Yahoo • Sep 18, 2025 • Neutral

Here is how Bankinter SA (BKNIY) and Pagaya Technologies Ltd. (PGY) have performed compared to their sector so far this year.

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