OTCPK:BNKX.Y

Stock Analysis Report

Executive Summary

Bankia, S.A., together with its subsidiaries, provides various banking and financial products and services in Spain and internationally.

Snowflake

Fundamentals

Adequate balance sheet average dividend payer.


Similar Companies

Share Price & News

How has Bankia's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:BNKX.Y

-1.8%

US Banks

-1.6%

US Market


1 Year Return

n/a

OTCPK:BNKX.Y

-16.1%

US Banks

-3.0%

US Market

No trading data on BNKX.Y.

No trading data on BNKX.Y.


Share holder returns

BNKX.YIndustryMarket
7 Day0%-1.8%-1.6%
30 Day0%-10.1%-5.7%
90 Day0%-5.0%0.2%
1 Yearn/a-13.7%-16.1%-0.8%-3.0%
3 Yearn/a37.9%28.5%38.1%29.1%
5 Yearn/a49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Bankia's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Bankia undervalued based on future cash flows and its price relative to the stock market?

10.28x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Bankia's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Bankia's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Bankia is good value based on earnings compared to the US Banks industry average.

Bankia is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Bankia is poor value based on expected growth next year.


Price Based on Value of Assets

Bankia is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Bankia expected to perform in the next 1 to 3 years based on estimates from 17 analysts?

3.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Bankia's revenue is expected to grow by 2.7% yearly, however this is not considered high growth (20% yearly).

Bankia's earnings are expected to grow by 3.3% yearly, however this is not considered high growth (20% yearly).

Bankia's revenue growth is positive but not above the United States of America market average.

Bankia's earnings growth is positive but not above the United States of America market average.

Bankia's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Bankia is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Bankia performed over the past 5 years?

-3.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Bankia's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.

Bankia's 1-year earnings growth exceeds its 5-year average (53% vs -3.3%)

Bankia's earnings growth has exceeded the US Banks industry average in the past year (53% vs 40.7%).


Return on Equity

Bankia has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Bankia used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Bankia improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Bankia's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Bankia has an acceptable proportion of non-loan assets held.

Bankia has a low allowance for bad loans.

Bankia's liabilities are made up of primarily low risk sources of funding.

Bankia's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Bankia are broadly funded by customer deposits.

Bankia has a high level of bad loans (greater than 2%).


Next Steps

Dividend

What is Bankia's current dividend yield, its reliability and sustainability?

6.78%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Bankia's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.42%).

Bankia's dividend is above the markets top 25% of dividend payers in United States of America (3.73%).

Whilst dividend payments have been stable, Bankia has been paying a dividend for less than 10 years.

Dividend payments have increased, but Bankia only paid a dividend in the past 4 years.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.8x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be covered by earnings (1.5x coverage).


Next Steps

Management

What is the CEO of Bankia's salary, the management and board of directors tenure and is there insider trading?

5.1yrs

Average management tenure


CEO

José Sevilla Álvarez (55yo)

5.1yrs

Tenure

€800,000

Compensation

Mr. José Sevilla Álvarez is Chief Executive Officer of Bankia, SA ("Bankia"). Before joining Bankia he held various management positions in BBVA, where he served as General Manager of Risks, Head of the Of ...


CEO Compensation Analysis

José's remuneration is lower than average for companies of similar size in United States of America.

José's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

5.1yrs

Average Tenure

58yo

Average Age

The average tenure for the Bankia management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

7.2yrs

Average Tenure

63.5yo

Average Age

The tenure for the Bankia board of directors is about average.


Insider Trading

No 3 month individual insider trading information.


Ownership Breakdown


Management Team

  • José Goirigolzarri Tellaeche (65yo)

    Executive Chairman of the Board

    • Tenure: 7.2yrs
    • Compensation: €800.00k
  • Amalia Blanco Lucas (58yo)

    Deputy General Director of Communication & External Relations

    • Tenure: 0.0yrs
  • Antonio Parra (72yo)

    GM of People

    • Tenure: 5.1yrs
    • Compensation: €800.00k
  • José Sevilla Álvarez (55yo)

    CEO & Executive Director

    • Tenure: 5.1yrs
    • Compensation: €800.00k
  • Gonzalo Povedano (51yo)

    Deputy General Director of Business Banking

    • Tenure: 5.1yrs
  • Miguel Rodríguez (58yo)

    General Secretary & Deputy General Director of the General Secretariat

    • Tenure: 0.0yrs
  • Leopoldo Trenor

    Deputy General Director of Financial Management

    • Tenure: 0.0yrs
  • Fernando Aburto (56yo)

    Deputy General Director of Asset Management & Investees

    • Tenure: 5.1yrs
  • Iñigo Velázquez

    Head of Investor Relations & Rating

    • Tenure: 0.0yrs
  • Carlos Aguilera

    Head of Business Banking Division - Murcia Region

    • Tenure: 1.0yrs

Board Members

  • José Goirigolzarri Tellaeche (65yo)

    Executive Chairman of the Board

    • Tenure: 7.2yrs
    • Compensation: €800.00k
  • Joaquín García (64yo)

    Independent Director

    • Tenure: 7.2yrs
    • Compensation: €100.00k
  • Antonio Parra (72yo)

    GM of People

    • Tenure: 5.1yrs
    • Compensation: €800.00k
  • María Eva Sanz (57yo)

    Lead Independent Director

    • Tenure: 0.4yrs
    • Compensation: €100.00k
  • José Sevilla Álvarez (55yo)

    CEO & Executive Director

    • Tenure: 5.1yrs
    • Compensation: €800.00k
  • Fernando Méndez de Andés (63yo)

    Independent Director

    • Tenure: 7.2yrs
    • Compensation: €100.00k
  • José Feito Higueruela (67yo)

    Independent Director

    • Tenure: 7.2yrs
    • Compensation: €100.00k
  • Francisco Campo García (64yo)

    Independent Director

    • Tenure: 7.2yrs
    • Compensation: €100.00k
  • Jorge Cosmen Menéndez-Castañedo (51yo)

    Independent Director

    • Tenure: 7.2yrs
    • Compensation: €100.00k
  • Antonio Hidalgo (63yo)

    Independent Director

    • Tenure: 3.3yrs
    • Compensation: €100.00k

Company Information

Bankia, S.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Bankia, S.A.
  • Ticker: BNKX.Y
  • Exchange: OTCPK
  • Founded: 2010
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: €6.496b
  • Listing Market Cap: €7.286b
  • Shares outstanding: 3.04b
  • Website: https://www.bankia.com

Number of Employees


Location

  • Bankia, S.A.
  • Paseo de la Castellana, 189
  • Madrid
  • Madrid
  • 28029
  • Spain

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BKIABME (Bolsas y Mercados Espanoles)YesOrdinary SharesESEURJul 2011
0RQ1LSE (London Stock Exchange)YesOrdinary SharesGBEURJul 2011
BNKX.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDJul 2011
FV02DB (Deutsche Boerse AG)YesOrdinary SharesDEEURJul 2011
BKIA NBMV (Bolsa Mexicana de Valores)YesOrdinary SharesMXMXNJul 2011
BKIAWBAG (Wiener Boerse AG)YesOrdinary SharesATEURJul 2011
BNKX.YOTCPK (Pink Sheets LLC)ADRUSUSDMar 2013

Biography

Bankia, S.A., together with its subsidiaries, provides various banking and financial products and services in Spain and internationally. The company operates through Retail Banking and Business Banking seg ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/07/17 00:43
End of Day Share Price2019/04/18 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


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.