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Bankinter (BAK) Stock Overview

Provides various banking products and services to individuals, corporates, and small- and medium-sized enterprises in Spain, Luxembourg, Portugal, and Ireland. More details

BAK fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	4/6
Financial Health	3/6
Dividends	3/6

Rewards

Trading at 15% below our estimate of its fair value

Earnings are forecast to grow 7.01% per year

Earnings grew by 37% over the past year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

BAK Community Fair Values

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Bankinter, S.A. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Bankinter
Historical stock prices
Current Share Price	€5.67
52 Week High	€5.90
52 Week Low	€4.83
Beta	0.91
1 Month Change	0%
3 Month Change	0.018%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	1.07%

Recent updates

Shareholder Returns

	BAK	DE Banks	DE Market
7D	0%	3.5%	0.8%
1Y	n/a	45.8%	6.3%

Return vs Industry: Insufficient data to determine how BAK performed against the German Banks industry.

Return vs Market: Insufficient data to determine how BAK performed against the German Market.

Price Volatility

Is BAK's price volatile compared to industry and market?
BAK volatility
BAK Average Weekly Movement	n/a
Banks Industry Average Movement	3.3%
Market Average Movement	5.4%
10% most volatile stocks in DE Market	14.6%
10% least volatile stocks in DE Market	2.6%

Stable Share Price: BAK has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine BAK's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1965	6,363	Maria Dolores Dancausa Trevino	www.bankinter.com

Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers salary, non-salary, professional, basic, currency, pension, business, and current accounts, as well as deposit products; and mortgages and loan products, as well as financing services. The company also provides saving and investment products, including profiled funds, sustainable investment funds, other managers funds, pension funds, and themed funds, as well as funds for beginners; regular investment plans; and advisory, customized investment, wealth management, and alternative investment products and services.

Bankinter, S.A. Fundamentals Summary

How do Bankinter's earnings and revenue compare to its market cap?
BAK fundamental statistics
Market cap	€6.10b
Earnings (TTM)	€512.58m
Revenue (TTM)	€1.69b

11.9x

P/E Ratio

1.2x

P/B Ratio

Is BAK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BAK income statement (TTM)
Revenue	€1.69b
Cost of Revenue	€0
Gross Profit	€1.69b
Other Expenses	€1.18b
Earnings	€512.58m

Last Reported Earnings

Sep 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	0.57
Gross Margin	100.00%
Net Profit Margin	30.35%
Debt/Equity Ratio	126.6%

How did BAK perform over the long term?

See historical performance and comparison

Dividends

3.3%

Current Dividend Yield

73%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2023/01/08 09:29
End of Day Share Price	2022/10/11 00:00
Earnings	2022/09/30
Annual Earnings	2021/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Bankinter, S.A. is covered by 35 analysts. 16 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Carlos Peixoto	Banco BPI, S.A.
Javier Esteban Lario	Banco de Sabadell. S.A.
Jesús Gómez Dominguez	Banco Santander

Bankinter, S.A.MUN:BAK Stock Report