Aankondiging • Jul 01
Bankinter, S.A. to Report First Half, 2026 Results on Jul 23, 2026 Bankinter, S.A. announced that they will report first half, 2026 results on Jul 23, 2026 Aankondiging • Apr 07
Bankinter, S.A. to Report Q1, 2026 Results on Apr 23, 2026 Bankinter, S.A. announced that they will report Q1, 2026 results on Apr 23, 2026 Aankondiging • Feb 23
Bankinter, S.A., Annual General Meeting, Mar 26, 2026 Bankinter, S.A., Annual General Meeting, Mar 26, 2026. Aankondiging • Sep 30
Bankinter, S.A. to Report Q3, 2025 Results on Oct 23, 2025 Bankinter, S.A. announced that they will report Q3, 2025 results on Oct 23, 2025 Declared Dividend • Jun 22
Dividend of €0.12 announced Shareholders 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 16
New minor risk - Share price stability The 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 27
First 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 14
Investor 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 03
Less than half of directors are independent Following 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. Aankondiging • Feb 24
Bankinter, S.A., Annual General Meeting, Mar 27, 2025 Bankinter, S.A., Annual General Meeting, Mar 27, 2025. Location: edificio mutua madrilena, paseo de la castellana 33, madrid Spain Declared Dividend • Feb 24
Dividend of €0.10 announced Shareholders 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 28
Less than half of directors are independent Following 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. Aankondiging • Jan 11
Bankinter, S.A. to Report Fiscal Year 2024 Results on Jan 23, 2025 Bankinter, S.A. announced that they will report fiscal year 2024 results on Jan 23, 2025 Reported Earnings • Oct 26
Third quarter 2024 earnings released Third 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 24
New major risk - Revenue and earnings growth Earnings 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. Aankondiging • Sep 30
Bankinter, S.A. to Report Q3, 2024 Results on Oct 24, 2024 Bankinter, S.A. announced that they will report Q3, 2024 results on Oct 24, 2024 Reported Earnings • Jul 19
Second 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. Aankondiging • Jul 02
Bankinter, S.A. to Report First Half, 2024 Results on Jul 18, 2024 Bankinter, S.A. announced that they will report first half, 2024 results on Jul 18, 2024 Declared Dividend • Jun 21
First quarter dividend of €0.09 announced Shareholders 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 24
First 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 19
Upcoming dividend of €0.087 per share Eligible 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 23
Fourth quarter dividend of €0.087 announced Shareholders 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 31
Full year 2023 earnings released Full 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 05
Third quarter 2023 earnings released Third 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 04
New major risk - Revenue and earnings growth Earnings 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 23
Second 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 25
First 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 21
Insufficient new directors There 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 02
Insufficient new directors There 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 21
Upcoming dividend of €0.072 per share at 5.7% yield Eligible 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 18
Investor 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 22
Second 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. Aankondiging • Jul 12
Bankinter, S.A. to Report Q2, 2022 Results on Jul 21, 2022 Bankinter, S.A. announced that they will report Q2, 2022 results on Jul 21, 2022 Valuation Update With 7 Day Price Move • Jul 06
Investor sentiment deteriorated over the past week After 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 27
First quarter 2022 earnings released First 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. Aankondiging • Apr 22
Bankinter, S.A. Provides Earnings Guidance for the Year 2022 Bankinter, 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 21
Upcoming dividend of €0.047 per share Eligible 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 05
Investor sentiment deteriorated over the past week After 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 27
Full year 2021 earnings: Revenues and EPS in line with analyst expectations Full 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. Aankondiging • Feb 24
Bankinter, S.A., Annual General Meeting, Mar 23, 2022 Bankinter, S.A., Annual General Meeting, Mar 23, 2022. Buying Opportunity • Feb 22
Now 21% undervalued Over 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 25
Now 22% undervalued Over 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 23
Full year 2021 earnings: Revenues exceed analyst expectations Full 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 23
Third quarter 2021 earnings released: EPS €0.12 The 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 30
Second 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 01
Investor sentiment deteriorated over the past week After 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 26
First quarter 2021 earnings released The 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 11
New 90-day high: €5.06 The 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. Aankondiging • Jan 13
Bankinter, S.A. to Report Q4, 2020 Results on Jan 21, 2021 Bankinter, S.A. announced that they will report Q4, 2020 results on Jan 21, 2021 Is New 90 Day High Low • Jan 06
New 90-day high: €4.77 The 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 17
New 90-day high: €4.59 The 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 11
Market bids up stock over the past week After 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 25
Third quarter earnings released Over 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 25
Third-quarter earnings released: Revenue misses expectations Third-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 22
New 90-day low: €3.32 The 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. Aankondiging • Oct 15
Bankinter, S.A. to Report Q3, 2020 Results on Oct 22, 2020 Bankinter, S.A. announced that they will report Q3, 2020 results on Oct 22, 2020 Is New 90 Day High Low • Sep 22
New 90-day low: €4.07 The 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. Aankondiging • Jul 18
Bankinter, S.A. to Report Q2, 2020 Results on Jul 23, 2020 Bankinter, S.A. announced that they will report Q2, 2020 results on Jul 23, 2020 
