Bankinter Past Earnings Performance

Past criteria checks 3/6

Bankinter has been growing earnings at an average annual rate of 23.9%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 11.5% per year. Bankinter's return on equity is 15.1%, and it has net margins of 35.4%.

Key information

23.9%

Earnings growth rate

23.3%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	11.5%
Return on equity	15.1%
Net Margin	35.4%
Last Earnings Update	30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Bankinter makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:BKNI.Y Revenue, expenses and earnings (EUR Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	2,437	862	956
30 Jun 24	2,427	871	940
31 Mar 24	2,354	830	924
31 Dec 23	2,315	816	911
30 Sep 23	2,257	799	883
30 Jun 23	2,097	692	862
31 Mar 23	1,913	570	850
31 Dec 22	1,821	545	838
30 Sep 22	1,689	493	806
30 Jun 22	1,648	445	793
31 Mar 22	1,623	416	781
31 Dec 21	1,581	378	775
30 Sep 21	1,492	269	1,378
30 Jun 21	1,490	337	808
31 Mar 21	1,286	189	766
31 Dec 20	1,267	174	753
30 Sep 20	1,880	314	996
30 Jun 20	1,316	223	754
31 Mar 20	1,547	416	755
31 Dec 19	1,496	437	745
30 Sep 19	1,682	501	814
30 Jun 19	1,658	508	784
31 Mar 19	1,728	493	870
31 Dec 18	1,867	514	942
30 Sep 18	1,855	511	933
30 Jun 18	1,807	504	917
31 Mar 18	1,735	502	902
31 Dec 17	1,676	484	884
30 Sep 17	1,637	458	886
30 Jun 17	1,605	437	879
31 Mar 17	1,547	502	871
31 Dec 16	1,490	482	838
30 Sep 16	1,388	476	775
30 Jun 16	1,336	465	741
31 Mar 16	1,327	386	700
31 Dec 15	1,309	376	693
30 Sep 15	1,270	346	744
30 Jun 15	1,230	323	733
31 Mar 15	1,210	311	722
31 Dec 14	1,154	276	712
30 Sep 14	1,130	263	649
30 Jun 14	1,073	238	667
31 Mar 14	999	200	625
31 Dec 13	954	190	610

Quality Earnings: BKNI.Y has high quality earnings.

Growing Profit Margin: BKNI.Y's current net profit margins (35.4%) are lower than last year (35.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BKNI.Y's earnings have grown significantly by 23.9% per year over the past 5 years.

Accelerating Growth: BKNI.Y's earnings growth over the past year (7.9%) is below its 5-year average (23.9% per year).

Earnings vs Industry: BKNI.Y earnings growth over the past year (7.9%) exceeded the Banks industry -11.8%.

Return on Equity

High ROE: BKNI.Y's Return on Equity (15.1%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 19:28
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.