BKNI.Y Stock Overview

Provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. More details

BKNI.Y fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	0/6
Past Performance	3/6
Financial Health	4/6
Dividends	5/6

Rewards

Trading at 44.8% below our estimate of its fair value

Earnings grew by 7.9% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Bankinter, S.A. Competitors

Comerica

NYSE:CMA

US$8.0b

Credicorp

NYSE:BAP

US$14.5b

Inter & Co

NasdaqGS:INTR

US$1.9b

Bank of N.T. Butterfield & Son

NYSE:NTB

US$1.6b

Price History & Performance

Summary of share price highs, lows and changes for Bankinter
Historical stock prices
Current Share Price	€7.67
52 Week High	€9.25
52 Week Low	€5.81
Beta	0.80
1 Month Change	0.33%
3 Month Change	-9.98%
1 Year Change	15.34%
3 Year Change	53.86%
5 Year Change	1.72%
Change since IPO	308.96%

Recent updates

Shareholder Returns

	BKNI.Y	US Banks	US Market
7D	-4.8%	-3.4%	-2.4%
1Y	15.3%	29.1%	23.4%

Return vs Industry: BKNI.Y underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: BKNI.Y underperformed the US Market which returned 23.3% over the past year.

Price Volatility

Is BKNI.Y's price volatile compared to industry and market?
BKNI.Y volatility
BKNI.Y Average Weekly Movement	7.3%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: BKNI.Y has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: BKNI.Y's weekly volatility (7%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1965	6,637	Gloria Ortiz Portero	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 payroll, pension, business, salary, non-salary, youth salary, current, currency, and management accounts; deposit products; mortgages and loan products; personal, auto, equipment, tax repayment, and various financing services; and finance leasing services. The company also provides saving and investment products, including profiled funds, sustainable investment funds, various investment funds, other managers funds, protected funds, and themed funds; regular investment plans; and investment advisory, 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?
BKNI.Y fundamental statistics
Market cap	US$6.91b
Earnings (TTM)	US$899.67m
Revenue (TTM)	US$2.54b

7.7x

P/E Ratio

1.1x

P/B Ratio

Is BKNI.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BKNI.Y income statement (TTM)
Revenue	€2.44b
Cost of Revenue	€0
Gross Profit	€2.44b
Other Expenses	€1.57b
Earnings	€862.25m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.96
Gross Margin	100.00%
Net Profit Margin	35.38%
Debt/Equity Ratio	160.1%

How did BKNI.Y perform over the long term?

See historical performance and comparison

Dividends

6.4%

Current Dividend Yield

26%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 20:10
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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 here.

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 .

Analyst Sources

Bankinter, S.A. is covered by 48 analysts. 15 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
Nuria García Manteca	Ahorro Corporación
David Grinsztajn	AlphaValue
Carlos Peixoto	Banco BPI, S.A.