Reported Earnings • Apr 25
First quarter 2026 earnings released: EPS: €0.31 (vs €0.29 in 1Q 2025) First quarter 2026 results: EPS: €0.31 (up from €0.29 in 1Q 2025). Revenue: €700.8m (up 6.1% from 1Q 2025). Net income: €290.7m (up 7.6% from 1Q 2025). Profit margin: 42% (in line with 1Q 2025). Revenue is forecast to grow 8.7% p.a. on average during the next 3 years, compared to a 15% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has increased by 39% per year, which means it is tracking significantly ahead of earnings growth. Announcement • 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 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 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 12% growth forecast for the Banks industry in South America. Board Change • Apr 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 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. 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 Board Change • Feb 13
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 • Jan 25
Full year 2024 earnings released Full year 2024 results: Revenue: €612.2m (down 74% from FY 2023). Net income: €221.9m (down 73% from FY 2023). Profit margin: 36% (up from 35% in FY 2023). The increase in margin was driven by lower expenses. Revenue is forecast to grow 37% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Board Change • Jan 15
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. 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 Board Change • Dec 13
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. 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 14
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. Board Change • Jan 10
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 • Nov 29
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 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 8.5% growth forecast for the Banks industry in Mexico. 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 Risks Shares are highly illiquid. 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. Board Change • Oct 23
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. Board Change • Aug 17
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 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 9.9% growth forecast for the Banks industry in Mexico. Board Change • Jul 10
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 • May 27
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 • 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 9.2% growth forecast for the Banks industry in Mexico. 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 6% per year, which means it is significantly lagging earnings growth. Board Change • Apr 13
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 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. 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%. Lower than top quartile of Mexican dividend payers (5.8%). Higher than average of industry peers (4.6%). Valuation Update With 7 Day Price Move • Jan 17
Investor sentiment improved over the past week After last week's 43% share price gain to Mex$132, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 9x in the Banks industry in Mexico. Total returns to shareholders of 11% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at Mex$74.92 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 23%, compared to a 29% growth forecast for the industry in Mexico. 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 11% per year, which means it is significantly lagging earnings. 
