Bankinter, S.A. provides various banking products and services in Spain.
Adequate balance sheet average dividend payer.
Share Price & News
How has Bankinter's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BKT's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: BKT exceeded the Spanish Banks industry which returned -47.5% over the past year.
Return vs Market: BKT underperformed the Spanish Market which returned -18.6% over the past year.
Price Volatility Vs. Market
How volatile is Bankinter's share price compared to the market and industry in the last 5 years?
Simply Wall St News
10 hours ago | Simply Wall StHave Insiders Been Buying Bankinter, S.A. (BME:BKT) Shares This Year?
2 weeks ago | Simply Wall StDoes Bankinter, S.A.'s (BME:BKT) CEO Pay Reflect Performance?
1 month ago | Simply Wall StNews Flash: 12 Analysts Think Bankinter, S.A. (BME:BKT) Earnings Are Under Threat
Is Bankinter undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BKT (€3.81) is trading above our estimate of fair value (€2.53)
Significantly Below Fair Value: BKT is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BKT is poor value based on its PE Ratio (6.6x) compared to the Banks industry average (6.5x).
PE vs Market: BKT is good value based on its PE Ratio (6.6x) compared to the Spanish market (15.2x).
Price to Earnings Growth Ratio
PEG Ratio: BKT is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: BKT is overvalued based on its PB Ratio (0.7x) compared to the ES Banks industry average (0.3x).
How is Bankinter forecast to perform in the next 1 to 3 years based on estimates from 12 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BKT's forecast earnings growth (16.8% per year) is above the savings rate (1.3%).
Earnings vs Market: BKT's earnings (16.8% per year) are forecast to grow slower than the Spanish market (17.8% per year).
High Growth Earnings: BKT's earnings are forecast to grow, but not significantly.
Revenue vs Market: BKT's revenue (1.4% per year) is forecast to grow slower than the Spanish market (4.9% per year).
High Growth Revenue: BKT's revenue (1.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BKT's Return on Equity is forecast to be low in 3 years time (7.7%).
How has Bankinter performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BKT has high quality earnings.
Growing Profit Margin: BKT's current net profit margins (27.3%) are lower than last year (28.6%).
Past Earnings Growth Analysis
Earnings Trend: BKT's earnings have grown by 8.7% per year over the past 5 years.
Accelerating Growth: BKT's earnings growth over the past year (4.8%) is below its 5-year average (8.7% per year).
Earnings vs Industry: BKT earnings growth over the past year (4.8%) exceeded the Banks industry -21.2%.
Return on Equity
High ROE: BKT's Return on Equity (11.3%) is considered low.
How is Bankinter's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BKT's Assets to Equity ratio (18.6x) is moderate.
Allowance for Bad Loans: BKT has a low allowance for bad loans (44%).
Low Risk Liabilities: 81% of BKT's liabilities are made up of primarily low risk sources of funding.
Loan Level: BKT has an appropriate level of Loans to Assets ratio (72%).
Low Risk Deposits: BKT's Loans to Deposits ratio (94%) is appropriate.
Level of Bad Loans: BKT has a high level of bad loans (2.8%).
What is Bankinter's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BKT's dividend (7.68%) is higher than the bottom 25% of dividend payers in the Spanish market (2.68%).
High Dividend: BKT's dividend (7.68%) is low compared to the top 25% of dividend payers in the Spanish market (7.71%).
Stability and Growth of Payments
Stable Dividend: BKT's dividend payments have been volatile in the past 10 years.
Growing Dividend: BKT's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (39.3%), BKT's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BKT's dividends in 3 years are forecast to be well covered by earnings (49.4% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
María Dolores Dancausa Treviño
Ms. María Dolores Dancausa Treviño serves as General Manager at Linea Directa Aseguradora, S.A. Ms. Dancausa Treviño has been the Chief Executive Officer and Executive Director of Bankinter, S.A. since Oct ...
CEO Compensation Analysis
Compensation vs Market: María Dolores's total compensation ($USD1.23M) is about average for companies of similar size in the Spanish market ($USD1.14M).
Compensation vs Earnings: María Dolores's compensation has been consistent with company performance over the past year.
|CEO & Executive Director||9.67yrs||€1.11m||0.13% €4.5m|
|Executive Vice President of Board||13.17yrs||€204.93k||no data|
|Independent Director||11.42yrs||€170.90k||0.10% €3.5m|
|External Director||5.92yrs||€111.91k||0.0013% €45.9k|
|External Independent Director||2.58yrs||€124.02k||no data|
|External Independent Director||1.25yrs||€92.74k||no data|
|External Independent Director||1.25yrs||€96.05k||0.0011% €38.0k|
Experienced Board: BKT's board of directors are seasoned and experienced ( 10.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Bankinter, S.A.'s company bio, employee growth, exchange listings and data sources
- Name: Bankinter, S.A.
- Ticker: BKT
- Exchange: BME
- Founded: 1965
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €3.425b
- Shares outstanding: 898.72m
- Website: https://www.bankinter.com
Number of Employees
- Bankinter, S.A.
- Paseo de la Castellana 29
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BKT||BME (Bolsas y Mercados Espanoles)||Yes||Nominative Shares||ES||EUR||Apr 1985|
|0H7O||LSE (London Stock Exchange)||Yes||Nominative Shares||GB||EUR||Apr 1985|
|BKIM.F||OTCPK (Pink Sheets LLC)||Yes||Nominative Shares||US||USD||Apr 1985|
|BAKA||DB (Deutsche Boerse AG)||Yes||Nominative Shares||DE||EUR||Apr 1985|
|BKTE||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Nominative Shares||GB||EUR||Apr 1985|
|BKT||WBAG (Wiener Boerse AG)||Yes||Nominative Shares||AT||EUR||Apr 1985|
|BKT N||BMV (Bolsa Mexicana de Valores)||Yes||Nominative Shares||MX||MXN||Apr 1985|
|BKNI.Y||OTCPK (Pink Sheets LLC)||SPONS ADR 07||US||USD||Sep 1995|
Bankinter, S.A. provides various banking products and services in Spain. The company operates through Commercial Banking, Private Banking, Personal Banking, Individual Banking, Foreigners, Corporate Banking, Consumer Finance, Línea Directa Aseguradora, Bankinter Portugal, and Other Businesses segments. It offers salary, professional, private bank, and personal finance accounts, as well as deposit products, such as fixed term, customized, increment, and structured deposits. The company also provides investment products and services that include investment funds, pension plans, unit linked products, and securities portfolios, as well as asset management services; and cards and loan products. In addition, it offers various services, such as property management services; telephone assistance services; consulting services; insurance intermediary services; vehicle check and travel assistance services; venture capital and fund management services; vehicle repair services, as well as services for motorcycle users; private banking services; and brokerage services, as well as operates as a credit institution. Further, the company issues preference shares and bonds. As of December 31, 2018, it operated through a network of 444 branches and 363 agents. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990. Bankinter, S.A. was founded in 1965 and is headquartered in Madrid, Spain.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/06/01 07:50|
|End of Day Share Price||2020/05/29 00:00|
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 here.