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Bankinter, SA (ES:BKT)
BME:BKT
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Bankinter (BKT) Price & Analysis

49 Followers

BKT Stock Chart & Stats

€15.01
€0.06(0.74%)
At close: 4:00 PM EST
€15.01
€0.06(0.74%)

Bulls Say, Bears Say

Bulls Say
Improving Profitability / ROEBankinter’s reported rise in net income and jump in operating and net margins indicate durable profitability improvements. Higher margins and ROE (~16–17%) support internal capital generation and resilience to cyclical pressure, allowing reinvestment in digital channels and client offerings over the medium term.
Strengthening Capital BaseSteady equity growth provides a meaningful capital buffer and supports regulatory and strategic flexibility. Combined with sustained ROE, this enhances capacity for lending, dividend payout and inorganic moves while reducing insolvency risk relative to prior years of higher leverage.
Diversified Banking FranchiseA multi-pronged revenue model—retail/commercial lending, fees, insurance distribution and treasury/trading—reduces dependence on any single income stream. This diversification supports more stable earnings across rate cycles and gives management levers to shift emphasis amid structural shifts in banking demand.
Bears Say
Volatile Cash FlowsLarge, recurring swings in operating and free cash flow undermine confidence in cash generation despite reported profits. For a bank, unpredictable cash flows complicate liquidity management, constrain reliable capital returns and increase sensitivity to funding shocks over the 2–6 month horizon.
Funding / Leverage SensitivityAlthough leverage has improved, rising absolute debt in 2025 and the bank’s historical high leverage profile leave it exposed if wholesale funding tightens. Funding mix and sensitivity to market conditions could pressure liquidity and margin stability if adverse conditions return.
Top-line VolatilityA falling revenue trend indicates growth is not yet consistent and that recent profit gains rely on pricing, mix and cost control. Persistent top-line weakness risks eroding margins if competitive pressures force pricing changes or if cost efficiencies are exhausted, limiting sustainable earnings growth.

Bankinter News

BKT FAQ

What was Bankinter, SA’s price range in the past 12 months?
Bankinter, SA lowest stock price was €11.39 and its highest was €15.97 in the past 12 months.
    What is Bankinter, SA’s market cap?
    Bankinter, SA’s market cap is €14.05B.
      When is Bankinter, SA’s upcoming earnings report date?
      Bankinter, SA’s upcoming earnings report date is Oct 22, 2026 which is in 91 days.
        How were Bankinter, SA’s earnings last quarter?
        Bankinter, SA released its earnings results on Jul 23, 2026. The company reported €0.34 earnings per share for the quarter, beating the consensus estimate of €0.314 by €0.026.
          Is Bankinter, SA overvalued?
          According to Wall Street analysts Bankinter, SA’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            Does Bankinter, SA pay dividends?
            Bankinter, SA pays a Notavailable dividend of €0.161 which represents an annual dividend yield of 3.89%. See more information on Bankinter, SA dividends here
              What is Bankinter, SA’s EPS estimate?
              Bankinter, SA’s EPS estimate is 0.32.
                How many shares outstanding does Bankinter, SA have?
                Bankinter, SA has 898,866,150 shares outstanding.
                  What happened to Bankinter, SA’s price movement after its last earnings report?
                  Bankinter, SA reported an EPS of €0.34 in its last earnings report, beating expectations of €0.314. Following the earnings report the stock price went down -2.567%.
                    Which hedge fund is a major shareholder of Bankinter, SA?
                    Currently, no hedge funds are holding shares in ES:BKT
                    What is the TipRanks Smart Score and how is it calculated?
                    Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                      Company Description

                      Bankinter, SA

                      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.

                      Bankinter (BKT) Earnings & Revenues

                      BKT Stock 12 Month Forecast

                      Average Price Target

                      €16.09
                      ▲(7.17% Upside)
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