Bankinter (BAKA) Stock Price & Analysis
BAKA Stock Chart & Stats
- Day’s Range
- EUR 14.08 - EUR 14.08
- 52-Week Range
- EUR 12.67 - EUR 16.87
- Previous Close
- EUR 13.95
- Volume
- N/A
- Average Volume (3M)
- 20
- Market Cap
- EUR 12.51B
- Enterprise Value
- EUR 21.99B
- Total Cash (Recent Filing)
- EUR 17.82B
- Total Debt (Recent Filing)
- EUR 9.98B
- Price to Earnings (P/E)
- 10.8
- Beta
- 0.80
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- 0.34
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.31%
Bulls Say, Bears Say
Bulls Say
Improving Profitability
Bankinter has delivered substantial earnings growth, with net income increasing across 2023–2025 and both net and operating margins improving. This indicates stronger current profitability and provides more internal capacity to support investment, capital resilience, and shareholder returns.
Improved Capital Position
Growing equity and materially lower debt-to-equity strengthen Bankinter’s financial foundation compared with 2022–2023. The improved capital position can provide greater resilience against credit losses or funding pressure and supports continued lending and business development.
Diversified Banking Platform
Bankinter’s presence across retail banking, commercial finance, wealth management, payments, and insurance-related services gives it several customer and revenue channels. This breadth can support recurring client relationships and reduce reliance on any single banking product or segment.
Bears Say
Unstable Cash Generation
The sharp 2025 deterioration in operating and free cash flow, following large reversals in earlier years, reduces confidence in the consistency of cash generation relative to reported profits. Although bank balance-sheet movements can drive volatility, the scale remains a material funding and earnings-quality concern.
Top-Line Volatility
The 2025 revenue decline shows that improving earnings have not been matched by consistently expanding top-line activity. Continued revenue volatility could make future profit growth more dependent on pricing, product mix, or cost control, reducing visibility into the durability of earnings expansion.
Residual Leverage Risk
Despite the improvement in debt-to-equity, higher total debt in 2025 leaves Bankinter exposed to renewed balance-sheet pressure if funding conditions become less favorable. For a bank, leverage and funding dynamics can change quickly, potentially constraining lending capacity and capital allocation.
Bankinter News
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Bankinter Stock Smart Score
Company Description
Bankinter
Bankinter, S.A., a Spanish financial institution headquartered in Madrid and founded in 1965, offers a broad spectrum of banking and financial services. It caters to a diverse clientele including private individuals, corporate clients, and small to medium-sized enterprises primarily within Spain. The bank's extensive product range features various current and deposit accounts, including specialized options for salaries, professionals, businesses, and foreign currencies. Additionally, it provides diverse lending solutions such as mortgages and other financing facilities. For savings and investments, Bankinter presents a wide selection of products like profiled funds, sustainable investment options, funds from other managers, pension funds, themed investments, and products designed for new investors, alongside regular investment plans. Clients also have access to expert advisory services, customized investment strategies, wealth management, and alternative investment opportunities. Beyond traditional banking, Bankinter offers a comprehensive suite of insurance products, encompassing accident, home, life, funeral, health, mortgage payment protection, property, personal, motor, and business insurance. The bank further supports its customers with various ancillary services, including estate and asset management, account transfers, real estate, and brokerage. Bankinter operates across retail, personal, private, commercial, and corporate banking segments, complemented by robust remote banking capabilities. As of the end of 2021, its operational footprint included 446 branches and 379 agents. The company transitioned to its current name, Bankinter, S.A., in July 1990, having previously operated as Banco Intercontinental Español, S.A.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Gloria Ortiz Portero
- Employees
- 6,667
- Website
- www.bankinter.com
- Address
- Paseo de la Castellana Number 29, Madrid, MA, 28046, ES
Bankinter (BAKA) Earnings & Revenues
BAKA Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 4 | 14 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 0 | 0 | 12 |
