Bankinter (BAKA) AI Stock Analysis

Bankinter

(XETRA:BAKA)

Rating:―N/A

Action:N/A

Date:―

No summary available

Positive Factors

Improving ProfitabilityBankinter has delivered sustained profit expansion over recent years, with net income increasing in both 2024 and 2025. The stronger net margin indicates improved earnings conversion, supporting internal capital generation and providing a more durable base for future investment and shareholder returns.

Negative Factors

Cash-Flow InstabilityLarge reversals in operating and free cash flow make reported earnings less reliable as an indicator of internally available cash. Although bank cash flows can reflect balance-sheet movements, the scale of the 2025 decline reduces confidence in funding consistency and limits visibility on capital allocation capacity.

Bankinter (BAKA) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 12.51B
Dividend Yield: 4.35%
Average Volume (3M): 97
Price to Earnings (P/E): 10.7
Beta (1Y): 0.80
Revenue Growth: 0.36%
EPS Growth: 14.10%
Country: Germany
Employees: 6,667
Sector: General
Sector Strength: 55
Industry: Banks - Regional

Bankinter Business Overview & Revenue Model

Company Description

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 m...

Bankinter Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

DE:BAKA against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ES:SAB	82Outperform	EUR 16.38B	8.13	13.50%	6.79%	-35.28%	23.51%
ES:CABK	81Outperform	EUR 78.05B	12.17	16.77%	4.46%	-2.19%	10.44%
ES:UNI	61Neutral	EUR 8.15B	12.40	9.44%	6.02%	-6.69%	5.62%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

DE:BAKA and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:BAKA	Bankinter, SA	13.95	1.52	12.23%
ES:ALNT	Alantra Partners SA	8.72	0.59	7.31%
ES:SAB	Banco de Sabadell	3.44	0.59	20.87%
ES:CABK	CAIXABANK S.A.	11.20	2.45	28.00%
ES:UNI	Unicaja Banco	3.17	0.91	40.33%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Bankinter AI Stock Analysis