Reported Earnings • Jul 24
Second quarter 2026 earnings released Second quarter 2026 results: Revenue: €740.2m (up 9.6% from 2Q 2025). Net income: €314.6m (up 16% from 2Q 2025). Profit margin: 43% (up from 40% in 2Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 8.9% p.a. on average during the next 3 years, compared to a 6.8% growth forecast for the Banks industry in the United Kingdom. Announcement • 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 Declared Dividend • Jun 21
Dividend of €0.13 announced Shareholders will receive a dividend of €0.13. Ex-date: 22nd June 2026 Payment date: 24th June 2026 Dividend yield will be 3.3%, which is lower than the industry average of 6.5%. Sustainability & Growth Dividend is well covered by earnings (37% payout ratio) and is expected to be covered in 3 years' time (53% forecast payout ratio). The dividend has increased by an average of 11% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 24% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Announcement • Apr 06
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 Announcement • Feb 23
Bankinter, S.A., Annual General Meeting, Mar 26, 2026 Bankinter, S.A., Annual General Meeting, Mar 26, 2026. Announcement • 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 Announcement • 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 Announcement • 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 Announcement • 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 Announcement • 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 Board Change • May 10
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. 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 3.8% growth forecast for the Banks industry in the United Kingdom. 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 5% 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 British dividend payers (6.2%). In line with average of industry peers (6.8%). Declared Dividend • Mar 06
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 6.3%, which is about the same as the industry average. Sustainability & Growth Dividend is covered by earnings (52% payout ratio) and is expected to be covered in 3 years' time (51% forecast payout ratio). The dividend has increased by an average of 23% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to decline by 4.9% over the next 3 years. However, it would need to fall by 42% to increase the payout ratio to a potentially unsustainable range. Board Change • Mar 06
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. Declared Dividend • Feb 24
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 6.7%, which is about the same as the industry average. 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. Board Change • Feb 01
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. Reported Earnings • Nov 04
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, while revenues in the Banks industry in the United Kingdom are expected to remain flat. Board Change • Oct 04
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 • Sep 20
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. Reported Earnings • Jul 22
Second 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 4.0% growth forecast for the Banks industry in the United Kingdom. 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 9% per year, which means it is significantly lagging earnings growth. Reported Earnings • Apr 26
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 5.3% growth forecast for the Banks industry in the United Kingdom. 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 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 British dividend payers (5.7%). Higher than average of industry peers (4.9%). Valuation Update With 7 Day Price Move • Mar 15
Investor sentiment deteriorates as stock falls 17% After last week's 17% share price decline to €5.70, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 6x in the Banks industry in the United Kingdom. Total returns to shareholders of 93% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €8.48 per share. Buying Opportunity • Mar 01
Now 20% undervalued Over the last 90 days, the stock is up 4.6%. The fair value is estimated to be €8.09, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.7% over the last 3 years. Earnings per share has grown by 14%. For the next 3 years, revenue is forecast to grow by 11% per annum. Earnings is also forecast to grow by 8.6% per annum over the same time period. Buying Opportunity • Feb 11
Now 20% undervalued Over the last 90 days, the stock is up 18%. The fair value is estimated to be €8.21, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.7% over the last 3 years. Earnings per share has grown by 14%. For the next 3 years, revenue is forecast to grow by 11% per annum. Earnings is also forecast to grow by 9.2% per annum over the same time period. Buying Opportunity • Jan 09
Now 20% undervalued Over the last 90 days, the stock is up 18%. The fair value is estimated to be €8.48, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.4% over the last 3 years. Earnings per share has grown by 8.9%. For the next 3 years, revenue is forecast to grow by 7.0% per annum. Earnings is also forecast to grow by 7.0% per annum over the same time period. Reported Earnings • Jul 23
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 6.4% growth forecast for the industry in the United Kingdom. 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 7% per year, which means it is significantly lagging earnings. 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 1.2% growth forecast for the industry in the United Kingdom. Buying Opportunity • Apr 09
Now 21% undervalued Over the last 90 days, the stock is up 7.3%. The fair value is estimated to be €6.63, 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 13%. For the next 3 years, revenue is forecast to grow by 8.3% per annum. Earnings is also forecast to grow by 12% per annum over the same time period. Valuation Update With 7 Day Price Move • Mar 14
Investor sentiment improved over the past week After last week's 19% share price gain to €5.00, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 8x in the Banks industry in the United Kingdom. Total loss to shareholders of 28% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €6.52 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 2.7% growth forecast for the banks industry in the United Kingdom. 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. Buying Opportunity • Feb 25
Now 20% undervalued Over the last 90 days, the stock is up 16%. The fair value is estimated to be €6.71, 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 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 3.3% growth forecast for the banks industry in the United Kingdom. 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 12% per year, which means it has not declined as severely as earnings. Valuation Update With 7 Day Price Move • Apr 30
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 14x. Average forward P/E is 9x in the Banks industry in the United Kingdom. Total loss to shareholders of 45% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €3.13 per share. Reported Earnings • Apr 24
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 13% per year, which means it has not declined as severely as earnings. Reported Earnings • Mar 04
Full 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 10
New 90-day high: €4.98 The company is up 24% from its price of €4.01 on 11 November 2020. The British market is up 5.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 9.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.21 per share. 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 British market is up 11% over the last 90 days, indicating the company outperformed over that time. However, its price trend is similar to the Banks industry, which is also up 25% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.64 per share. Is New 90 Day High Low • Dec 17
New 90-day high: €4.58 The company is up 7.0% from its price of €4.28 on 18 September 2020. The British market is up 9.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 37% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €3.04 per share. 
