View Financial HealthBankinter 배당 및 자사주 매입배당 기준 점검 4/6Bankinter 수익으로 충분히 충당되는 현재 수익률 4.33% 보유한 배당금 지급 회사입니다.핵심 정보4.3%배당 수익률0.007%자사주 매입 수익률총 주주 수익률4.3%미래 배당 수익률5.5%배당 성장률9.9%다음 배당 지급일n/a배당락일n/a주당 배당금n/a배당 성향37%최근 배당 및 자사주 매입 업데이트Declared 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 5.1%, which is higher than the industry average of 4.8%. 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.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 German dividend payers (5.0%). In line with average of industry peers (6.7%).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 4.8%. 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.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 German dividend payers (4.9%). Lower than average of industry peers (6.4%).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%. Within top quartile of German dividend payers (3.6%). Lower than average of industry peers (5.7%).모든 업데이트 보기Recent updates공시 • 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, 2026공시 • Feb 23Bankinter, S.A., Annual General Meeting, Mar 26, 2026Bankinter, S.A., Annual General Meeting, Mar 26, 2026.공시 • 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, 2025공시 • 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 Spain공시 • 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 25Third 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.공시 • 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, 2024New Risk • Jul 22New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.0007% 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 0.0007% 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 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 23% per year, which means it is significantly lagging earnings growth.공시 • 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 5.1%, which is higher than the industry average of 4.8%. 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 German dividend payers (5.0%). In line with average of industry peers (6.7%).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 4.8%. 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 2.5% 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 21Second quarter 2023 earnings released: EPS: €0.27 (vs €0.13 in 2Q 2022)Second quarter 2023 results: EPS: €0.27 (up from €0.13 in 2Q 2022). Revenue: €689.5m (up 71% from 2Q 2022). Net income: €233.2m (up 100% from 2Q 2022). Profit margin: 34% (up from 29% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.8% 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 43% per year but the company’s share price has only increased by 11% 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 17% per year, which means it is significantly lagging earnings growth.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 German dividend payers (4.9%). Lower than average of industry peers (6.4%).Valuation Update With 7 Day Price Move • Mar 18Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €5.52, 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 76% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €9.39 per share.Reported Earnings • Jul 23Second 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 Germany. 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 6% per year, which means it is significantly lagging earnings.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 Germany.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%. Within top quartile of German dividend payers (3.6%). Lower than average of industry peers (5.7%).Valuation Update With 7 Day Price Move • Mar 14Investor sentiment improved over the past weekAfter last week's 16% share price gain to €5.04, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 9x in the Banks industry in Europe. Total loss to shareholders of 20% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €7.27 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 Germany. 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 11% per year.Buying Opportunity • Feb 19Now 20% undervaluedOver the last 90 days, the stock is up 21%. The fair value is estimated to be €7.05, 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 • Feb 02Now 20% undervaluedOver the last 90 days, the stock is up 4.4%. The fair value is estimated to be €6.51, 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.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 Germany. 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 12% 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 12% 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 • Apr 30Investor sentiment deteriorated over the past weekAfter last week's 18% share price decline to €4.60, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 11x in the Banks industry in Europe. Total loss to shareholders of 41% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €3.63 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 13% per year, which means it has not declined as severely as earnings.Reported Earnings • Mar 04Full year 2020 earnings released: EPS €0.18 (vs €0.60 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: €1.48b (down 22% from FY 2019). Net income: €174.1m (down 68% from FY 2019). Profit margin: 12% (down from 28% in FY 2019). Cost-to-income ratio: 48.5% (down from 52.4% in FY 2019). Non-performing loans: 2.55% (down from 2.73% in FY 2019). Over the last 3 years on average, earnings per share has fallen by 15% per year whereas the company’s share price has fallen by 13% per year.Is New 90 Day High Low • Feb 11New 90-day high: €5.00The company is up 26% from its price of €3.97 on 13 November 2020. The German market is up 10.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 12% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.69 per share.Is New 90 Day High Low • Jan 08New 90-day high: €4.73The company is up 25% from its price of €3.79 on 09 October 2020. The German market is up 8.0% 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 €3.78 per share.Is New 90 Day High Low • Dec 18New 90-day high: €4.55The company is up 7.0% from its price of €4.25 on 18 September 2020. The German market is up 5.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 17% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.40 per share.Valuation Update With 7 Day Price Move • Nov 11Market bids up stock over the past weekAfter last week's 21% share price gain to €4.10, the stock is trading at a trailing P/E ratio of 11.5x, up from the previous P/E ratio of 9.5x. This compares to an average P/E of 10x in the Banks industry in Europe. Total return to shareholders over the past three years is a loss of 41%.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 Germany.Is New 90 Day High Low • Oct 14New 90-day low: €3.43The company is down 20% from its price of €4.28 on 16 July 2020. The German market is up 2.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is flat over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €2.73 per share.Is New 90 Day High Low • Sep 23New 90-day low: €4.02The company is down 3.0% from its price of €4.16 on 25 June 2020. The German market is up 4.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 7.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.24 per share.지급의 안정성과 성장배당 데이터 가져오는 중안정적인 배당: BAKA 의 배당금 지급은 지난 10 년 동안 휘발성이었습니다.배당금 증가: BAKA 의 배당금 지급은 지난 10 년 동안 증가했습니다.배당 수익률 vs 시장Bankinter 배당 수익률 vs 시장BAKA의 배당 수익률은 시장과 어떻게 비교되나요?구분배당 수익률회사 (BAKA)4.3%시장 하위 25% (DE)1.5%시장 상위 25% (DE)4.5%업계 평균 (Banks)4.7%분석가 예측 (BAKA) (최대 3년)5.5%주목할만한 배당금: BAKA 의 배당금( 4.33% )은 German 시장에서 배당금 지급자의 하위 25%( 1.54% )보다 높습니다.고배당: BAKA 의 배당금( 4.33% )은 German 시장에서 배당금 지급자의 상위 25%( 4.55% )와 비교해 낮습니다.현재 주주 배당수익 보장: 합리적으로 낮은 지불 비율 ( 37.1% )로 BAKA 의 배당금 지급은 수익으로 충분히 충당됩니다.향후 주주 배당미래 배당 보장: BAKA 의 3년 배당금은 수익( 53.8% 지급 비율)으로 충당될 것으로 예상됩니다.높은 배당을 제공하는 우량 기업 찾기7D1Y7D1Y7D1YDE 시장에서 배당이 강한 기업.View Management기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/24 12:03종가2026/05/22 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Bankinter, S.A.는 38명의 분석가가 다루고 있습니다. 이 중 19명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Javier Esteban LarioBanco de Sabadell. S.A.Jesús Gómez DominguezBanco SantanderCecilia Romero ReyesBarclays35명의 분석가 더 보기
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 5.1%, which is higher than the industry average of 4.8%. 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.
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 German dividend payers (5.0%). In line with average of industry peers (6.7%).
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 4.8%. 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.
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 German dividend payers (4.9%). Lower than average of industry peers (6.4%).
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%. Within top quartile of German dividend payers (3.6%). Lower than average of industry peers (5.7%).
공시 • 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
공시 • Feb 23Bankinter, S.A., Annual General Meeting, Mar 26, 2026Bankinter, S.A., Annual General Meeting, Mar 26, 2026.
공시 • 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
공시 • 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
공시 • 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 25Third 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.
공시 • 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
New Risk • Jul 22New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.0007% 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 0.0007% 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 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 23% per year, which means it is significantly lagging earnings growth.
공시 • 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 5.1%, which is higher than the industry average of 4.8%. 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 German dividend payers (5.0%). In line with average of industry peers (6.7%).
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 4.8%. 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 2.5% 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 21Second quarter 2023 earnings released: EPS: €0.27 (vs €0.13 in 2Q 2022)Second quarter 2023 results: EPS: €0.27 (up from €0.13 in 2Q 2022). Revenue: €689.5m (up 71% from 2Q 2022). Net income: €233.2m (up 100% from 2Q 2022). Profit margin: 34% (up from 29% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.8% 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 43% per year but the company’s share price has only increased by 11% 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 17% per year, which means it is significantly lagging earnings growth.
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 German dividend payers (4.9%). Lower than average of industry peers (6.4%).
Valuation Update With 7 Day Price Move • Mar 18Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €5.52, 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 76% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €9.39 per share.
Reported Earnings • Jul 23Second 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 Germany. 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 6% per year, which means it is significantly lagging earnings.
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 Germany.
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%. Within top quartile of German dividend payers (3.6%). Lower than average of industry peers (5.7%).
Valuation Update With 7 Day Price Move • Mar 14Investor sentiment improved over the past weekAfter last week's 16% share price gain to €5.04, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 9x in the Banks industry in Europe. Total loss to shareholders of 20% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €7.27 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 Germany. 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 11% per year.
Buying Opportunity • Feb 19Now 20% undervaluedOver the last 90 days, the stock is up 21%. The fair value is estimated to be €7.05, 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 • Feb 02Now 20% undervaluedOver the last 90 days, the stock is up 4.4%. The fair value is estimated to be €6.51, 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.
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 Germany. 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 12% 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 12% 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 • Apr 30Investor sentiment deteriorated over the past weekAfter last week's 18% share price decline to €4.60, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 11x in the Banks industry in Europe. Total loss to shareholders of 41% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €3.63 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 13% per year, which means it has not declined as severely as earnings.
Reported Earnings • Mar 04Full year 2020 earnings released: EPS €0.18 (vs €0.60 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: €1.48b (down 22% from FY 2019). Net income: €174.1m (down 68% from FY 2019). Profit margin: 12% (down from 28% in FY 2019). Cost-to-income ratio: 48.5% (down from 52.4% in FY 2019). Non-performing loans: 2.55% (down from 2.73% in FY 2019). Over the last 3 years on average, earnings per share has fallen by 15% per year whereas the company’s share price has fallen by 13% per year.
Is New 90 Day High Low • Feb 11New 90-day high: €5.00The company is up 26% from its price of €3.97 on 13 November 2020. The German market is up 10.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 12% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.69 per share.
Is New 90 Day High Low • Jan 08New 90-day high: €4.73The company is up 25% from its price of €3.79 on 09 October 2020. The German market is up 8.0% 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 €3.78 per share.
Is New 90 Day High Low • Dec 18New 90-day high: €4.55The company is up 7.0% from its price of €4.25 on 18 September 2020. The German market is up 5.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 17% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.40 per share.
Valuation Update With 7 Day Price Move • Nov 11Market bids up stock over the past weekAfter last week's 21% share price gain to €4.10, the stock is trading at a trailing P/E ratio of 11.5x, up from the previous P/E ratio of 9.5x. This compares to an average P/E of 10x in the Banks industry in Europe. Total return to shareholders over the past three years is a loss of 41%.
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 Germany.
Is New 90 Day High Low • Oct 14New 90-day low: €3.43The company is down 20% from its price of €4.28 on 16 July 2020. The German market is up 2.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is flat over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €2.73 per share.
Is New 90 Day High Low • Sep 23New 90-day low: €4.02The company is down 3.0% from its price of €4.16 on 25 June 2020. The German market is up 4.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 7.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.24 per share.