Bankinter（BKT）株式概要Bankinter, S.A.はスペインの個人、法人、中小企業に様々な銀行商品とサービスを提供している。 詳細BKT ファンダメンタル分析スノーフレーク・スコア評価5/6将来の成長2/6過去の実績4/6財務の健全性4/6配当金5/6報酬当社が推定した公正価値より36.3%で取引されている 収益は年間7.53%増加すると予測されています 過去1年間で収益は8.6%増加しました 同業他社や業界と比較して、良好な取引価格 リスク分析不安定な配当実績 すべてのリスクチェックを見るBKT Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair Value€Current Price€14.058.9% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture04b2016201920222025202620282031Revenue €4.2bEarnings €1.7bAdvancedSet Fair ValueView all narrativesBankinter, S.A. 競合他社BAWAG GroupSymbol: WBAG:BGMarket cap: €11.7bRaiffeisen Bank InternationalSymbol: WBAG:RBIMarket cap: €15.2bOberbankSymbol: WBAG:OBSMarket cap: €5.8bErste Group BankSymbol: WBAG:EBSMarket cap: €38.2b価格と性能株価の高値、安値、推移の概要Bankinter過去の株価現在の株価€14.0552週高値€15.0252週安値€10.86ベータ0.0601ヶ月の変化1.04%3ヶ月変化-4.97%1年変化22.56%3年間の変化153.34%5年間の変化199.15%IPOからの変化83.43%最新ニュースお知らせ • Apr 07Bankinter, S.A. to Report Q1, 2026 Results on Apr 23, 2026Bankinter, S.A. announced that they will report Q1, 2026 results on Apr 23, 2026お知らせ • Feb 23Bankinter, S.A., Annual General Meeting, Mar 26, 2026Bankinter, S.A., Annual General Meeting, Mar 26, 2026.お知らせ • Sep 30Bankinter, S.A. to Report Q3, 2025 Results on Oct 23, 2025Bankinter, S.A. announced that they will report Q3, 2025 results on Oct 23, 2025Declared Dividend • Jun 22Dividend of €0.12 announcedShareholders will receive a dividend of €0.12. Ex-date: 23rd June 2025 Payment date: 25th June 2025 Dividend yield will be 4.1%, which is lower than the industry average of 4.6%. Sustainability & Growth Dividend is well covered by earnings (37% payout ratio) and is expected to be covered in 3 years' time (51% forecast payout ratio). The dividend has increased by an average of 13% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 3.0% over the next 3 years, which should provide support to the dividend and adequate earnings cover.New Risk • Jun 16New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Austrian stocks, typically moving 6.1% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.1% average weekly change).Reported Earnings • Apr 27First quarter 2025 earnings released: EPS: €0.29 (vs €0.21 in 1Q 2024)First quarter 2025 results: EPS: €0.29 (up from €0.21 in 1Q 2024). Revenue: €660.3m (up 15% from 1Q 2024). Net income: €270.1m (up 35% from 1Q 2024). Profit margin: 41% (up from 35% in 1Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 6.5% p.a. on average during the next 3 years, compared to a 3.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 31% per year but the company’s share price has only increased by 22% per year, which means it is significantly lagging earnings growth.最新情報をもっと見るRecent updatesお知らせ • Apr 07Bankinter, S.A. to Report Q1, 2026 Results on Apr 23, 2026Bankinter, S.A. announced that they will report Q1, 2026 results on Apr 23, 2026お知らせ • Feb 23Bankinter, S.A., Annual General Meeting, Mar 26, 2026Bankinter, S.A., Annual General Meeting, Mar 26, 2026.お知らせ • Sep 30Bankinter, S.A. to Report Q3, 2025 Results on Oct 23, 2025Bankinter, S.A. announced that they will report Q3, 2025 results on Oct 23, 2025Declared Dividend • Jun 22Dividend of €0.12 announcedShareholders will receive a dividend of €0.12. Ex-date: 23rd June 2025 Payment date: 25th June 2025 Dividend yield will be 4.1%, which is lower than the industry average of 4.6%. Sustainability & Growth Dividend is well covered by earnings (37% payout ratio) and is expected to be covered in 3 years' time (51% forecast payout ratio). The dividend has increased by an average of 13% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 3.0% over the next 3 years, which should provide support to the dividend and adequate earnings cover.New Risk • Jun 16New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Austrian stocks, typically moving 6.1% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.1% average weekly change).Reported Earnings • Apr 27First quarter 2025 earnings released: EPS: €0.29 (vs €0.21 in 1Q 2024)First quarter 2025 results: EPS: €0.29 (up from €0.21 in 1Q 2024). Revenue: €660.3m (up 15% from 1Q 2024). Net income: €270.1m (up 35% from 1Q 2024). Profit margin: 41% (up from 35% in 1Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 6.5% p.a. on average during the next 3 years, compared to a 3.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 31% per year but the company’s share price has only increased by 22% per year, which means it is significantly lagging earnings growth.Valuation Update With 7 Day Price Move • Apr 14Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €9.72, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 116% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €15.28 per share.Board Change • Apr 03Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent External Director Teresa Rodriguez was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.お知らせ • Feb 24Bankinter, S.A., Annual General Meeting, Mar 27, 2025Bankinter, S.A., Annual General Meeting, Mar 27, 2025. Location: edificio mutua madrilena, paseo de la castellana 33, madrid SpainDeclared Dividend • Feb 24Dividend of €0.10 announcedShareholders will receive a dividend of €0.10. Ex-date: 1st April 2025 Payment date: 3rd April 2025 Dividend yield will be 4.8%, which is about the same as the industry average. Sustainability & Growth Dividend is well covered by earnings (26% payout ratio) and is expected to be covered in 3 years' time (50% forecast payout ratio). The dividend has increased by an average of 12% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 9.7% over the next 3 years, which should provide support to the dividend and adequate earnings cover.Board Change • Jan 28Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent Director Teresa Rodriguez was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.お知らせ • Jan 11Bankinter, S.A. to Report Fiscal Year 2024 Results on Jan 23, 2025Bankinter, S.A. announced that they will report fiscal year 2024 results on Jan 23, 2025Reported Earnings • Oct 26Third quarter 2024 earnings releasedThird quarter 2024 results: Revenue: €631.0m (down 2.1% from 3Q 2023). Net income: €258.0m (down 3.3% from 3Q 2023). Profit margin: 41% (in line with 3Q 2023). Revenue is forecast to grow 4.5% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 38% per year but the company’s share price has only increased by 16% per year, which means it is significantly lagging earnings growth.New Risk • Oct 24New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.07% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.07% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.お知らせ • Sep 30Bankinter, S.A. to Report Q3, 2024 Results on Oct 24, 2024Bankinter, S.A. announced that they will report Q3, 2024 results on Oct 24, 2024Reported Earnings • Jul 19Second quarter 2024 earnings released: EPS: €0.29 (vs €0.26 in 2Q 2023)Second quarter 2024 results: EPS: €0.29 (up from €0.26 in 2Q 2023). Revenue: €658.7m (up 29% from 2Q 2023). Net income: €265.0m (up 14% from 2Q 2023). Profit margin: 40% (down from 46% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 4.2% p.a. on average during the next 3 years, compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 37% per year but the company’s share price has only increased by 22% per year, which means it is significantly lagging earnings growth.お知らせ • Jul 02Bankinter, S.A. to Report First Half, 2024 Results on Jul 18, 2024Bankinter, S.A. announced that they will report first half, 2024 results on Jul 18, 2024Declared Dividend • Jun 21First quarter dividend of €0.09 announcedShareholders will receive a dividend of €0.09. Ex-date: 24th June 2024 Payment date: 26th June 2024 Dividend yield will be 5.0%, which is higher than the industry average of 4.6%. Sustainability & Growth Dividend is covered by earnings (53% payout ratio) and is expected to be covered in 3 years' time (52% forecast payout ratio). The dividend has increased by an average of 22% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to decline by 1.8% over the next 3 years. However, it would need to fall by 41% to increase the payout ratio to a potentially unsustainable range.Reported Earnings • Apr 24First quarter 2024 earnings released: EPS: €0.21 (vs €0.20 in 1Q 2023)First quarter 2024 results: EPS: €0.21 (up from €0.20 in 1Q 2023). Revenue: €576.0m (up 7.2% from 1Q 2023). Net income: €193.1m (up 7.9% from 1Q 2023). Profit margin: 34% (in line with 1Q 2023). Revenue is forecast to grow 4.2% p.a. on average during the next 3 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Mar 19Upcoming dividend of €0.087 per shareEligible shareholders must have bought the stock before 26 March 2024. Payment date: 28 March 2024. Payout ratio is a comfortable 52% and this is well supported by cash flows. Trailing yield: 7.1%. Within top quartile of Austrian dividend payers (6.0%). Higher than average of industry peers (5.9%).Declared Dividend • Feb 23Fourth quarter dividend of €0.087 announcedShareholders will receive a dividend of €0.087. Ex-date: 26th March 2024 Payment date: 28th March 2024 Dividend yield will be 6.6%, which is higher than the industry average of 4.6%. Sustainability & Growth Dividend is covered by earnings (51% payout ratio) and is expected to be covered in 3 years' time (51% forecast payout ratio). The dividend has increased by an average of 18% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 5.5% over the next 3 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Jan 31Full year 2023 earnings releasedFull year 2023 results: Revenue: €2.30b (up 26% from FY 2022). Net income: €844.8m (up 55% from FY 2022). Profit margin: 37% (up from 30% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 4.4% p.a. on average during the next 3 years, compared to a 2.1% growth forecast for the Banks industry in Europe.Reported Earnings • Nov 05Third quarter 2023 earnings releasedThird quarter 2023 results: Revenue: €644.4m (up 33% from 3Q 2022). Net income: €266.8m (up 68% from 3Q 2022). Profit margin: 41% (up from 33% in 3Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 4.6% p.a. on average during the next 3 years, compared to a 2.4% growth forecast for the Banks industry in Europe.New Risk • Nov 04New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.8% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 1.8% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.Reported Earnings • Jul 23Second quarter 2023 earnings released: EPS: €0.24 (vs €0.12 in 2Q 2022)Second quarter 2023 results: EPS: €0.24 (up from €0.12 in 2Q 2022). Revenue: €514.2m (up 27% from 2Q 2022). Net income: €219.7m (up 101% from 2Q 2022). Profit margin: 43% (up from 27% in 2Q 2022). Revenue is forecast to grow 5.9% p.a. on average during the next 3 years, compared to a 4.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.Reported Earnings • Apr 25First quarter 2023 earnings released: EPS: €0.21 (vs €0.17 in 1Q 2022)First quarter 2023 results: EPS: €0.21 (up from €0.17 in 1Q 2022). Revenue: €514.0m (up 16% from 1Q 2022). Net income: €185.0m (up 20% from 1Q 2022). Profit margin: 36% (up from 35% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.5% p.a. on average during the next 3 years, compared to a 5.7% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 29% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.Board Change • Apr 21Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 6 highly experienced directors. Independent External Director Cristina Alvarez was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Board Change • Apr 02Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 6 highly experienced directors. Independent External Director Cristina Alvarez was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Upcoming Dividend • Mar 21Upcoming dividend of €0.072 per share at 5.7% yieldEligible shareholders must have bought the stock before 28 March 2023. Payment date: 30 March 2023. Payout ratio is a comfortable 50% but the company is not cash flow positive. Trailing yield: 5.7%. Within top quartile of Austrian dividend payers (5.6%). In line with average of industry peers (5.3%).Valuation Update With 7 Day Price Move • Mar 18Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €5.65, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 83% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €9.38 per share.Reported Earnings • Jul 22Second quarter 2022 earnings released: EPS: €0.13 (vs €0.085 in 2Q 2021)Second quarter 2022 results: EPS: €0.13 (up from €0.085 in 2Q 2021). Revenue: €406.0m (up 8.7% from 2Q 2021). Net income: €116.7m (up 52% from 2Q 2021). Profit margin: 29% (up from 21% in 2Q 2021). The increase in margin was primarily driven by higher revenue. Over the next year, revenue is forecast to grow 22%, compared to a 14% growth forecast for the industry in Austria. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.お知らせ • Jul 12Bankinter, S.A. to Report Q2, 2022 Results on Jul 21, 2022Bankinter, S.A. announced that they will report Q2, 2022 results on Jul 21, 2022Valuation Update With 7 Day Price Move • Jul 06Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to €5.04, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 8x in the Banks industry in Europe. Total loss to shareholders of 13% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €8.75 per share.Reported Earnings • Apr 27First quarter 2022 earnings releasedFirst quarter 2022 results: Revenue: €448.7m (up 10% from 1Q 2021). Net income: €154.3m (up 33% from 1Q 2021). Profit margin: 34% (up from 29% in 1Q 2021). The increase in margin was driven by higher revenue. Over the next year, revenue is forecast to grow 20%, compared to a 8.1% growth forecast for the industry in Austria.お知らせ • Apr 22Bankinter, S.A. Provides Earnings Guidance for the Year 2022Bankinter, S.A. provided earnings guidance for the year 2022. The company expects the group's operating income to grow by mid-single digit, similar to 2021.Upcoming Dividend • Mar 21Upcoming dividend of €0.047 per shareEligible shareholders must have bought the stock before 28 March 2022. Payment date: 30 March 2022. Payout ratio is a comfortable 55% and this is well supported by cash flows. Trailing yield: 4.6%. Lower than top quartile of Austrian dividend payers (4.9%). In line with average of industry peers (4.9%).Valuation Update With 7 Day Price Move • Mar 05Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to €4.43, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 9x in the Banks industry in Europe. Total loss to shareholders of 29% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €6.45 per share.Reported Earnings • Feb 27Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: €0.44 (up from €0.19 in FY 2020). Revenue: €1.58b (up 25% from FY 2020). Net income: €397.4m (up 128% from FY 2020). Profit margin: 25% (up from 14% in FY 2020). Revenue was in line with analyst estimates. Over the next year, revenue is forecast to grow 20%, compared to a 11% growth forecast for the banks industry in Austria. Over the last 3 years on average, earnings per share has fallen by 13% per year whereas the company’s share price has fallen by 10% per year.お知らせ • Feb 24Bankinter, S.A., Annual General Meeting, Mar 23, 2022Bankinter, S.A., Annual General Meeting, Mar 23, 2022.Buying Opportunity • Feb 22Now 21% undervaluedOver the last 90 days, the stock is up 20%. The fair value is estimated to be €6.90, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 14% per annum over the last 3 years.Buying Opportunity • Jan 25Now 22% undervaluedOver the last 90 days, the stock is up 6.7%. The fair value is estimated to be €6.43, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 18% per annum over the last 3 years.Reported Earnings • Jan 23Full year 2021 earnings: Revenues exceed analyst expectationsFull year 2021 results: Revenue: €1.57b (up 24% from FY 2020). Net income: €397.4m (up 156% from FY 2020). Profit margin: 25% (up from 12% in FY 2020). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 7.6%. Over the next year, revenue is forecast to grow 19%, compared to a 11% growth forecast for the banks industry in Austria. Over the last 3 years on average, earnings per share has fallen by 18% per year but the company’s share price has only fallen by 11% per year, which means it has not declined as severely as earnings.Reported Earnings • Oct 23Third quarter 2021 earnings released: EPS €0.12The company reported a mediocre third quarter result with weaker profit margins, although earnings were flat and revenues improved. Third quarter 2021 results: Revenue: €443.9m (up 27% from 3Q 2020). Net income: €110.4m (flat on 3Q 2020). Profit margin: 25% (down from 32% in 3Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 28% per year but the company’s share price has only fallen by 13% per year, which means it has not declined as severely as earnings.Reported Earnings • Jul 30Second quarter 2021 earnings released: EPS €0.085 (vs €0.067 loss in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: €373.7m (up 117% from 2Q 2020). Net income: €76.7m (up €136.4m from 2Q 2020). Profit margin: 21% (up from net loss in 2Q 2020). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 31% per year but the company’s share price has only fallen by 17% per year, which means it has not declined as severely as earnings.Valuation Update With 7 Day Price Move • May 01Investor sentiment deteriorated over the past weekAfter last week's 19% share price decline to €4.57, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 11x in the Banks industry in Europe. Total loss to shareholders of 43% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €3.48 per share.Reported Earnings • Apr 26First quarter 2021 earnings releasedThe company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: €362.1m (up 9.6% from 1Q 2020). Net income: €116.4m (up 15% from 1Q 2020). Profit margin: 32% (up from 31% in 1Q 2020). Over the last 3 years on average, earnings per share has fallen by 21% per year but the company’s share price has only fallen by 14% per year, which means it has not declined as severely as earnings.Is New 90 Day High Low • Feb 11New 90-day high: €5.06The company is up 27% from its price of €3.99 on 12 November 2020. The Austrian market is up 25% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 16% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.65 per share.お知らせ • Jan 13Bankinter, S.A. to Report Q4, 2020 Results on Jan 21, 2021Bankinter, S.A. announced that they will report Q4, 2020 results on Jan 21, 2021Is New 90 Day High Low • Jan 06New 90-day high: €4.77The company is up 25% from its price of €3.81 on 08 October 2020. The Austrian market is up 27% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Banks industry, which is up 22% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €4.12 per share.Is New 90 Day High Low • Dec 17New 90-day high: €4.59The company is up 7.0% from its price of €4.28 on 18 September 2020. The Austrian market is up 20% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 18% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.43 per share.Valuation Update With 7 Day Price Move • Nov 11Market bids up stock over the past weekAfter last week's 22% share price gain to €4.02, the stock is trading at a trailing P/E ratio of 11.5x, up from the previous P/E ratio of 9.4x. This compares to an average P/E of 11x in the Banks industry in Austria. Total return to shareholders over the past three years is a loss of 43%.Reported Earnings • Oct 25Third quarter earnings releasedOver the last 12 months the company has reported total profits of €314.3m, down 37% from the prior year. Total revenue was €1.88b over the last 12 months, up 12% from the prior year.Analyst Estimate Surprise Post Earnings • Oct 25Third-quarter earnings released: Revenue misses expectationsThird-quarter revenue missed analyst estimates by 1.9% at €433.0m. Revenue is expected to shrink by 9.1% over the next year, compared to a 17% growth forecast for the Banks industry in Austria.Is New 90 Day High Low • Oct 22New 90-day low: €3.32The company is down 28% from its price of €4.62 on 24 July 2020. The Austrian market is down 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 12% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €2.73 per share.お知らせ • Oct 15Bankinter, S.A. to Report Q3, 2020 Results on Oct 22, 2020Bankinter, S.A. announced that they will report Q3, 2020 results on Oct 22, 2020Is New 90 Day High Low • Sep 22New 90-day low: €4.07The company is down 3.0% from its price of €4.19 on 24 June 2020. The Austrian market is down 2.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Banks industry, which is down 8.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.16 per share.お知らせ • Jul 18Bankinter, S.A. to Report Q2, 2020 Results on Jul 23, 2020Bankinter, S.A. announced that they will report Q2, 2020 results on Jul 23, 2020株主還元BKTAT BanksAT 市場7D2.6%1.4%0.9%1Y22.6%43.4%25.4%株主還元を見る業界別リターン: BKT過去 1 年間で43.4 % の収益を上げたAustrian Banks業界を下回りました。リターン対市場: BKTは、過去 1 年間で25.4 % のリターンを上げたAustrian市場を下回りました。価格変動Is BKT's price volatile compared to industry and market?BKT volatilityBKT Average Weekly Movement4.3%Banks Industry Average Movement5.1%Market Average Movement5.0%10% most volatile stocks in AT Market6.9%10% least volatile stocks in AT Market2.9%安定した株価: BKT 、 Austrian市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: BKTの 週次ボラティリティ ( 4% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト19656,648Gloria Ortiz Porterowww.bankinter.comバンキンター（Bankinter, S.A.）はスペインの個人、法人、中小企業に様々な銀行商品やサービスを提供している。給与、年金、ビジネス、給与、非給与、青年給与、当座、通貨、管理口座、預金商品、住宅ローン、ローン商品、個人、自動車、設備、税金返済、各種融資サービス、ファイナンス・リース・サービスを提供している。また、プロファイド・ファンド、サステナブル・インベストメント・ファンド、各種投資ファンド、その他マネージャー・ファンド、プロテクト・ファンド、テーマ・ファンドなどの貯蓄・投資商品、定期的な投資プラン、投資アドバイザリー、ウェルス・マネジメント、オルタナティブ投資商品・サービスも提供している。さらに、住宅、生命保険、葬儀、健康保険、自動車保険、ビジネス・マルチリスク保険、賠償責任保険、役員賠償責任保険、建設保険、機械設備保険、損害保険、個人保険、年金保険などの商品とサービスを提供している。さらに同社は、財産管理、スイッチ、引き落とし管理、口座管理、移転サービス、不動産および仲介サービスなどの様々なサービスを提供している。さらに、リテール、パーソナル、プライベート、コーポレート・バンキング商品、リモート・バンキング・サービスも提供している。以前はバンコ・インテルコンチネンタル・エスパニョール（Banco Intercontinental Español, S.A.）として知られ、1990年7月にバンキンター（Bankinter, S.A.）に社名を変更した。Bankinter,S.A.は1965年に設立され、スペインのマドリードに本拠を置く。もっと見るBankinter, S.A. 基礎のまとめBankinter の収益と売上を時価総額と比較するとどうか。BKT 基礎統計学時価総額€12.60b収益（TTM）€1.11b売上高(TTM)€2.77b11.3xPER（株価収益率1.9xPBR（株価純資産倍率BKT は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計BKT 損益計算書（TTM）収益€2.77b売上原価€0売上総利益€2.77bその他の費用€1.65b収益€1.11b直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）1.24グロス・マージン100.00%純利益率40.16%有利子負債／自己資本比率156.5%BKT の長期的なパフォーマンスは？過去の実績と比較を見る配当金4.3%現在の配当利回り37%配当性向View Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/24 19:44終値2026/05/22 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Bankinter, S.A. 19 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。38 アナリスト機関Javier Esteban LarioBanco de Sabadell. S.A.Jesús Gómez DominguezBanco SantanderCecilia Romero ReyesBarclays35 その他のアナリストを表示
お知らせ • Apr 07Bankinter, S.A. to Report Q1, 2026 Results on Apr 23, 2026Bankinter, S.A. announced that they will report Q1, 2026 results on Apr 23, 2026
お知らせ • Feb 23Bankinter, S.A., Annual General Meeting, Mar 26, 2026Bankinter, S.A., Annual General Meeting, Mar 26, 2026.
お知らせ • Sep 30Bankinter, S.A. to Report Q3, 2025 Results on Oct 23, 2025Bankinter, S.A. announced that they will report Q3, 2025 results on Oct 23, 2025
Declared Dividend • Jun 22Dividend of €0.12 announcedShareholders will receive a dividend of €0.12. Ex-date: 23rd June 2025 Payment date: 25th June 2025 Dividend yield will be 4.1%, which is lower than the industry average of 4.6%. Sustainability & Growth Dividend is well covered by earnings (37% payout ratio) and is expected to be covered in 3 years' time (51% forecast payout ratio). The dividend has increased by an average of 13% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 3.0% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
New Risk • Jun 16New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Austrian stocks, typically moving 6.1% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.1% average weekly change).
Reported Earnings • Apr 27First quarter 2025 earnings released: EPS: €0.29 (vs €0.21 in 1Q 2024)First quarter 2025 results: EPS: €0.29 (up from €0.21 in 1Q 2024). Revenue: €660.3m (up 15% from 1Q 2024). Net income: €270.1m (up 35% from 1Q 2024). Profit margin: 41% (up from 35% in 1Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 6.5% p.a. on average during the next 3 years, compared to a 3.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 31% per year but the company’s share price has only increased by 22% per year, which means it is significantly lagging earnings growth.
お知らせ • Apr 07Bankinter, S.A. to Report Q1, 2026 Results on Apr 23, 2026Bankinter, S.A. announced that they will report Q1, 2026 results on Apr 23, 2026
お知らせ • Feb 23Bankinter, S.A., Annual General Meeting, Mar 26, 2026Bankinter, S.A., Annual General Meeting, Mar 26, 2026.
お知らせ • Sep 30Bankinter, S.A. to Report Q3, 2025 Results on Oct 23, 2025Bankinter, S.A. announced that they will report Q3, 2025 results on Oct 23, 2025
Declared Dividend • Jun 22Dividend of €0.12 announcedShareholders will receive a dividend of €0.12. Ex-date: 23rd June 2025 Payment date: 25th June 2025 Dividend yield will be 4.1%, which is lower than the industry average of 4.6%. Sustainability & Growth Dividend is well covered by earnings (37% payout ratio) and is expected to be covered in 3 years' time (51% forecast payout ratio). The dividend has increased by an average of 13% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 3.0% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
New Risk • Jun 16New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Austrian stocks, typically moving 6.1% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.1% average weekly change).
Reported Earnings • Apr 27First quarter 2025 earnings released: EPS: €0.29 (vs €0.21 in 1Q 2024)First quarter 2025 results: EPS: €0.29 (up from €0.21 in 1Q 2024). Revenue: €660.3m (up 15% from 1Q 2024). Net income: €270.1m (up 35% from 1Q 2024). Profit margin: 41% (up from 35% in 1Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 6.5% p.a. on average during the next 3 years, compared to a 3.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 31% per year but the company’s share price has only increased by 22% per year, which means it is significantly lagging earnings growth.
Valuation Update With 7 Day Price Move • Apr 14Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €9.72, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 116% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €15.28 per share.
Board Change • Apr 03Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent External Director Teresa Rodriguez was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
お知らせ • Feb 24Bankinter, S.A., Annual General Meeting, Mar 27, 2025Bankinter, S.A., Annual General Meeting, Mar 27, 2025. Location: edificio mutua madrilena, paseo de la castellana 33, madrid Spain
Declared Dividend • Feb 24Dividend of €0.10 announcedShareholders will receive a dividend of €0.10. Ex-date: 1st April 2025 Payment date: 3rd April 2025 Dividend yield will be 4.8%, which is about the same as the industry average. Sustainability & Growth Dividend is well covered by earnings (26% payout ratio) and is expected to be covered in 3 years' time (50% forecast payout ratio). The dividend has increased by an average of 12% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 9.7% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
Board Change • Jan 28Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent Director Teresa Rodriguez was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
お知らせ • Jan 11Bankinter, S.A. to Report Fiscal Year 2024 Results on Jan 23, 2025Bankinter, S.A. announced that they will report fiscal year 2024 results on Jan 23, 2025
Reported Earnings • Oct 26Third quarter 2024 earnings releasedThird quarter 2024 results: Revenue: €631.0m (down 2.1% from 3Q 2023). Net income: €258.0m (down 3.3% from 3Q 2023). Profit margin: 41% (in line with 3Q 2023). Revenue is forecast to grow 4.5% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 38% per year but the company’s share price has only increased by 16% per year, which means it is significantly lagging earnings growth.
New Risk • Oct 24New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.07% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.07% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
お知らせ • Sep 30Bankinter, S.A. to Report Q3, 2024 Results on Oct 24, 2024Bankinter, S.A. announced that they will report Q3, 2024 results on Oct 24, 2024
Reported Earnings • Jul 19Second quarter 2024 earnings released: EPS: €0.29 (vs €0.26 in 2Q 2023)Second quarter 2024 results: EPS: €0.29 (up from €0.26 in 2Q 2023). Revenue: €658.7m (up 29% from 2Q 2023). Net income: €265.0m (up 14% from 2Q 2023). Profit margin: 40% (down from 46% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 4.2% p.a. on average during the next 3 years, compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 37% per year but the company’s share price has only increased by 22% per year, which means it is significantly lagging earnings growth.
お知らせ • Jul 02Bankinter, S.A. to Report First Half, 2024 Results on Jul 18, 2024Bankinter, S.A. announced that they will report first half, 2024 results on Jul 18, 2024
Declared Dividend • Jun 21First quarter dividend of €0.09 announcedShareholders will receive a dividend of €0.09. Ex-date: 24th June 2024 Payment date: 26th June 2024 Dividend yield will be 5.0%, which is higher than the industry average of 4.6%. Sustainability & Growth Dividend is covered by earnings (53% payout ratio) and is expected to be covered in 3 years' time (52% forecast payout ratio). The dividend has increased by an average of 22% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to decline by 1.8% over the next 3 years. However, it would need to fall by 41% to increase the payout ratio to a potentially unsustainable range.
Reported Earnings • Apr 24First quarter 2024 earnings released: EPS: €0.21 (vs €0.20 in 1Q 2023)First quarter 2024 results: EPS: €0.21 (up from €0.20 in 1Q 2023). Revenue: €576.0m (up 7.2% from 1Q 2023). Net income: €193.1m (up 7.9% from 1Q 2023). Profit margin: 34% (in line with 1Q 2023). Revenue is forecast to grow 4.2% p.a. on average during the next 3 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Mar 19Upcoming dividend of €0.087 per shareEligible shareholders must have bought the stock before 26 March 2024. Payment date: 28 March 2024. Payout ratio is a comfortable 52% and this is well supported by cash flows. Trailing yield: 7.1%. Within top quartile of Austrian dividend payers (6.0%). Higher than average of industry peers (5.9%).
Declared Dividend • Feb 23Fourth quarter dividend of €0.087 announcedShareholders will receive a dividend of €0.087. Ex-date: 26th March 2024 Payment date: 28th March 2024 Dividend yield will be 6.6%, which is higher than the industry average of 4.6%. Sustainability & Growth Dividend is covered by earnings (51% payout ratio) and is expected to be covered in 3 years' time (51% forecast payout ratio). The dividend has increased by an average of 18% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 5.5% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Jan 31Full year 2023 earnings releasedFull year 2023 results: Revenue: €2.30b (up 26% from FY 2022). Net income: €844.8m (up 55% from FY 2022). Profit margin: 37% (up from 30% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 4.4% p.a. on average during the next 3 years, compared to a 2.1% growth forecast for the Banks industry in Europe.
Reported Earnings • Nov 05Third quarter 2023 earnings releasedThird quarter 2023 results: Revenue: €644.4m (up 33% from 3Q 2022). Net income: €266.8m (up 68% from 3Q 2022). Profit margin: 41% (up from 33% in 3Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 4.6% p.a. on average during the next 3 years, compared to a 2.4% growth forecast for the Banks industry in Europe.
New Risk • Nov 04New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.8% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 1.8% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
Reported Earnings • Jul 23Second quarter 2023 earnings released: EPS: €0.24 (vs €0.12 in 2Q 2022)Second quarter 2023 results: EPS: €0.24 (up from €0.12 in 2Q 2022). Revenue: €514.2m (up 27% from 2Q 2022). Net income: €219.7m (up 101% from 2Q 2022). Profit margin: 43% (up from 27% in 2Q 2022). Revenue is forecast to grow 5.9% p.a. on average during the next 3 years, compared to a 4.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Apr 25First quarter 2023 earnings released: EPS: €0.21 (vs €0.17 in 1Q 2022)First quarter 2023 results: EPS: €0.21 (up from €0.17 in 1Q 2022). Revenue: €514.0m (up 16% from 1Q 2022). Net income: €185.0m (up 20% from 1Q 2022). Profit margin: 36% (up from 35% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.5% p.a. on average during the next 3 years, compared to a 5.7% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 29% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.
Board Change • Apr 21Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 6 highly experienced directors. Independent External Director Cristina Alvarez was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Board Change • Apr 02Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 6 highly experienced directors. Independent External Director Cristina Alvarez was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Upcoming Dividend • Mar 21Upcoming dividend of €0.072 per share at 5.7% yieldEligible shareholders must have bought the stock before 28 March 2023. Payment date: 30 March 2023. Payout ratio is a comfortable 50% but the company is not cash flow positive. Trailing yield: 5.7%. Within top quartile of Austrian dividend payers (5.6%). In line with average of industry peers (5.3%).
Valuation Update With 7 Day Price Move • Mar 18Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €5.65, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 83% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €9.38 per share.
Reported Earnings • Jul 22Second quarter 2022 earnings released: EPS: €0.13 (vs €0.085 in 2Q 2021)Second quarter 2022 results: EPS: €0.13 (up from €0.085 in 2Q 2021). Revenue: €406.0m (up 8.7% from 2Q 2021). Net income: €116.7m (up 52% from 2Q 2021). Profit margin: 29% (up from 21% in 2Q 2021). The increase in margin was primarily driven by higher revenue. Over the next year, revenue is forecast to grow 22%, compared to a 14% growth forecast for the industry in Austria. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.
お知らせ • Jul 12Bankinter, S.A. to Report Q2, 2022 Results on Jul 21, 2022Bankinter, S.A. announced that they will report Q2, 2022 results on Jul 21, 2022
Valuation Update With 7 Day Price Move • Jul 06Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to €5.04, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 8x in the Banks industry in Europe. Total loss to shareholders of 13% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €8.75 per share.
Reported Earnings • Apr 27First quarter 2022 earnings releasedFirst quarter 2022 results: Revenue: €448.7m (up 10% from 1Q 2021). Net income: €154.3m (up 33% from 1Q 2021). Profit margin: 34% (up from 29% in 1Q 2021). The increase in margin was driven by higher revenue. Over the next year, revenue is forecast to grow 20%, compared to a 8.1% growth forecast for the industry in Austria.
お知らせ • Apr 22Bankinter, S.A. Provides Earnings Guidance for the Year 2022Bankinter, S.A. provided earnings guidance for the year 2022. The company expects the group's operating income to grow by mid-single digit, similar to 2021.
Upcoming Dividend • Mar 21Upcoming dividend of €0.047 per shareEligible shareholders must have bought the stock before 28 March 2022. Payment date: 30 March 2022. Payout ratio is a comfortable 55% and this is well supported by cash flows. Trailing yield: 4.6%. Lower than top quartile of Austrian dividend payers (4.9%). In line with average of industry peers (4.9%).
Valuation Update With 7 Day Price Move • Mar 05Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to €4.43, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 9x in the Banks industry in Europe. Total loss to shareholders of 29% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €6.45 per share.
Reported Earnings • Feb 27Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: €0.44 (up from €0.19 in FY 2020). Revenue: €1.58b (up 25% from FY 2020). Net income: €397.4m (up 128% from FY 2020). Profit margin: 25% (up from 14% in FY 2020). Revenue was in line with analyst estimates. Over the next year, revenue is forecast to grow 20%, compared to a 11% growth forecast for the banks industry in Austria. Over the last 3 years on average, earnings per share has fallen by 13% per year whereas the company’s share price has fallen by 10% per year.
お知らせ • Feb 24Bankinter, S.A., Annual General Meeting, Mar 23, 2022Bankinter, S.A., Annual General Meeting, Mar 23, 2022.
Buying Opportunity • Feb 22Now 21% undervaluedOver the last 90 days, the stock is up 20%. The fair value is estimated to be €6.90, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 14% per annum over the last 3 years.
Buying Opportunity • Jan 25Now 22% undervaluedOver the last 90 days, the stock is up 6.7%. The fair value is estimated to be €6.43, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 18% per annum over the last 3 years.
Reported Earnings • Jan 23Full year 2021 earnings: Revenues exceed analyst expectationsFull year 2021 results: Revenue: €1.57b (up 24% from FY 2020). Net income: €397.4m (up 156% from FY 2020). Profit margin: 25% (up from 12% in FY 2020). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 7.6%. Over the next year, revenue is forecast to grow 19%, compared to a 11% growth forecast for the banks industry in Austria. Over the last 3 years on average, earnings per share has fallen by 18% per year but the company’s share price has only fallen by 11% per year, which means it has not declined as severely as earnings.
Reported Earnings • Oct 23Third quarter 2021 earnings released: EPS €0.12The company reported a mediocre third quarter result with weaker profit margins, although earnings were flat and revenues improved. Third quarter 2021 results: Revenue: €443.9m (up 27% from 3Q 2020). Net income: €110.4m (flat on 3Q 2020). Profit margin: 25% (down from 32% in 3Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 28% per year but the company’s share price has only fallen by 13% per year, which means it has not declined as severely as earnings.
Reported Earnings • Jul 30Second quarter 2021 earnings released: EPS €0.085 (vs €0.067 loss in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: €373.7m (up 117% from 2Q 2020). Net income: €76.7m (up €136.4m from 2Q 2020). Profit margin: 21% (up from net loss in 2Q 2020). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 31% per year but the company’s share price has only fallen by 17% per year, which means it has not declined as severely as earnings.
Valuation Update With 7 Day Price Move • May 01Investor sentiment deteriorated over the past weekAfter last week's 19% share price decline to €4.57, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 11x in the Banks industry in Europe. Total loss to shareholders of 43% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €3.48 per share.
Reported Earnings • Apr 26First quarter 2021 earnings releasedThe company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: €362.1m (up 9.6% from 1Q 2020). Net income: €116.4m (up 15% from 1Q 2020). Profit margin: 32% (up from 31% in 1Q 2020). Over the last 3 years on average, earnings per share has fallen by 21% per year but the company’s share price has only fallen by 14% per year, which means it has not declined as severely as earnings.
Is New 90 Day High Low • Feb 11New 90-day high: €5.06The company is up 27% from its price of €3.99 on 12 November 2020. The Austrian market is up 25% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 16% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.65 per share.
お知らせ • Jan 13Bankinter, S.A. to Report Q4, 2020 Results on Jan 21, 2021Bankinter, S.A. announced that they will report Q4, 2020 results on Jan 21, 2021
Is New 90 Day High Low • Jan 06New 90-day high: €4.77The company is up 25% from its price of €3.81 on 08 October 2020. The Austrian market is up 27% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Banks industry, which is up 22% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €4.12 per share.
Is New 90 Day High Low • Dec 17New 90-day high: €4.59The company is up 7.0% from its price of €4.28 on 18 September 2020. The Austrian market is up 20% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 18% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.43 per share.
Valuation Update With 7 Day Price Move • Nov 11Market bids up stock over the past weekAfter last week's 22% share price gain to €4.02, the stock is trading at a trailing P/E ratio of 11.5x, up from the previous P/E ratio of 9.4x. This compares to an average P/E of 11x in the Banks industry in Austria. Total return to shareholders over the past three years is a loss of 43%.
Reported Earnings • Oct 25Third quarter earnings releasedOver the last 12 months the company has reported total profits of €314.3m, down 37% from the prior year. Total revenue was €1.88b over the last 12 months, up 12% from the prior year.
Analyst Estimate Surprise Post Earnings • Oct 25Third-quarter earnings released: Revenue misses expectationsThird-quarter revenue missed analyst estimates by 1.9% at €433.0m. Revenue is expected to shrink by 9.1% over the next year, compared to a 17% growth forecast for the Banks industry in Austria.
Is New 90 Day High Low • Oct 22New 90-day low: €3.32The company is down 28% from its price of €4.62 on 24 July 2020. The Austrian market is down 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 12% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €2.73 per share.
お知らせ • Oct 15Bankinter, S.A. to Report Q3, 2020 Results on Oct 22, 2020Bankinter, S.A. announced that they will report Q3, 2020 results on Oct 22, 2020
Is New 90 Day High Low • Sep 22New 90-day low: €4.07The company is down 3.0% from its price of €4.19 on 24 June 2020. The Austrian market is down 2.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Banks industry, which is down 8.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.16 per share.
お知らせ • Jul 18Bankinter, S.A. to Report Q2, 2020 Results on Jul 23, 2020Bankinter, S.A. announced that they will report Q2, 2020 results on Jul 23, 2020
