Bankinter, S.A.
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 Business…
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.After signing in, return here and select “Add to watchlist”. Saving companies requires a verified email address.
No valuation verdict yet
Why: Banks and insurers earn their money on their balance sheet, so value follows book value and how much the company earns on it (return on equity).
Start with the price and fair value range, then review the data dates and assumptions below. Estimates are not predictions or investment advice.
Selected model not applicable
Fade DCF (10-year growth fade) needs inputs this company does not have (for example positive earnings, free cash flow or EBITDA), so it gives no usable value.
Assumptions: growth 3% (limited from 10.37% because the latest annual revenue declined), discount rate 9.60%, terminal growth 2.40%. See a worked example.
Blended growth assumption: 10.4% (sector default 5.4%, own revenue history 21.3%, analyst revenue consensus 7.4%).
5-year outlook: relative outlook of about 13.5% a year (Medium confidence), anchored to a 7% market return and adjusted for how this company ranks against others. A ranking aid, not a prediction. See the full forecast.
Analyst consensus expects revenue growth of 7.4% a year; the growth assumption used is 3.0%.
Adjust assumptions
Show the recommended model instead
Why this model: Banks and insurers earn their money on their balance sheet, so value follows book value and how much the company earns on it (return on equity).
Compare models- Recommended: Justified P/B (ROE) — EUR 14.47 (+0.4%)
-
EPS-based Gordon proxy
— EUR 17.25 (+19.7%)
Not used: Treats all earnings as if paid out and ignores the cash kept for reinvestment, so it overstates value for companies that retain most profit.
-
DCF (trailing free cash flow)
— not applicable
Not used: Cannot be computed: free cash flow is zero or negative.
-
FCFF (steady state)
— not applicable
Not used: Cannot be computed: free cash flow is zero or negative.
-
EV/EBITDA (12x)
— EUR 26.99 (+87.3%)
Not used: Used only when free cash flow is far below earnings even after averaging three years; a fixed 12x multiple also ignores sector differences.
-
Fade DCF (10-year growth fade)
— not applicable
Not used: Cannot be computed: free cash flow is zero or negative.
-
EV/Sales (Rule of 40)
— EUR 44.70 (+210.2%)
Not used: Used only for technology and communication companies whose cash-flow value is far below the price.
Track record: see the methodology page for how this model has performed historically, including its limits. Treat it as a screen, not a forecast.
Price history and fair value
5 years price change: +289.36% · EUR 14.58 · Market data through 05 Nov 2026 . The fair value is today’s estimate, not what the model said in the past.
Saved price history is current through 05 Nov 2026; last refreshed 06 Nov 2026 18:14 (14 minutes ago).
08 Nov 2021Range EUR 3.25 – 16.9605 Nov 2026
Latest news
Headlines provided by EODHD. Articles may mention multiple companies and are not investment recommendations.
More detail: quality, peers, price history, dividends and financials
Quality score: 92 / 100
Five equal checks on reported history: profitability, cash generation, revenue growth, balance sheet and margins. It describes business quality, not whether the price is attractive.
| Profitability | 5 of 5 years profitable | 20 / 20 |
| Cash generation | free cash flow positive in 3 of 5 years | 12 / 20 |
| Growth | revenue +21.3% a year | 20 / 20 |
| Balance sheet | net cash | 20 / 20 |
| Margins | EBITDA margin 35% | 20 / 20 |
Peers in Financials
Same-sector companies with a valuation, most undervalued first. Compare the margin of safety, yield and quality score side by side.
| Company | Price | Margin of safety | P/E | P/B | Yield | Quality |
|---|---|---|---|---|---|---|
| BKT.MC (this company) | EUR 14.41 | 0.4% | 11.9 | 2.0 | 1.1% | 92 |
| BRK-B Berkshire Hathaway Inc. (Class B) | USD 571.97 | 99.9% | 0.0 | 0.0 | – | 92 |
| PSH.L Pershing Square Holdings, Ltd. | GBP 38.66 | 68.4% | 3.7 | 0.6 | 1.3% | 76 |
| LRE.L Lancashire Holdings Limited | GBP 6.86 | 45.8% | 7.1 | 1.6 | 3.3% | 76 |
| ACA.PA Credit Agricole S.A. | EUR 15.84 | 36.1% | 6.8 | 0.7 | 6.9% | 78 |
| PRU.L Prudential plc | GBP 9.23 | 34.4% | 8.0 | 1.6 | 1.9% | 78 |
| V Visa Inc. | USD 422.59 | 33.3% | 8.9 | – | 0.2% | 100 |
| AGS.BR ageas SA/NV | EUR 77.50 | 32.6% | 8.1 | 1.5 | 5.0% | 76 |
| NWG.L NatWest Group plc | GBP 5.87 | 30.2% | 8.2 | 1.3 | 5.0% | 88 |
| Peer median | 7.6 | 1.3 | ||||
Dividends
Paid in the last 12 months: EUR 0.62 per share · yield 4.28% at the current price.
| Year | Dividends per share |
|---|---|
| 2026 (so far) | 0.316 |
| 2025 | 0.575 |
| 2024 | 0.514 |
| 2023 | 0.452 |
| 2022 | 0.281 |
| 2021 | 0.235 |
Annual financial statement
Saved annual report · Fiscal year 2025 · EODHD annual statements · period ended 31 Dec 2025
| Revenue | EUR 4,710,327,000 |
|---|---|
| EBITDA | EUR 1,636,240,000 |
| EBIT | EUR 1,636,240,000 |
| Net income | EUR 1,089,975,000 |
| Free cash flow | EUR -9,949,503,000 |
| Capital expenditures | EUR 34,749,000 |
| Debt | EUR 10,384,175,000 |
| Cash | EUR 15,000,351,000 |
| Working capital | EUR -94,263,512,000 |
| Shares outstanding | 898,677,068 |
| Reported dividends per share | EUR 0.1550 |