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Renta 4 Banco, S.A.
(BME:R4)
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Rating:72Outperform
Price Target:
€21.50
▲(11.40% Upside)
Action:Upgraded
Date:08/04/26
The score is driven primarily by strong profitability and a conservative leverage profile, partially tempered by meaningful cash-flow volatility. Technicals are constructive with price above major moving averages and positive MACD, but overbought signals (high Stochastics and elevated RSI) add near-term risk. Valuation is middling due to a P/E around 22, with a ~3.6% dividend yield providing some support.
Positive Factors
Strong profitability / ROE
Renta 4 reports sustained high returns on equity (~18–24%), indicating efficient capital use and strong core profitability. Durable ROE supports internal capital generation, dividend capacity, and reinvestment, underpinning long-term shareholder value and strategic flexibility.
Negative Factors
Volatile cash generation
Cash flow has swung materially year-to-year, including a large negative in 2022 and weaker flows in 2025. Such volatility makes capital allocation, dividend planning and contingency funding harder, reducing predictability of financial resources for investments or shock absorption.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability / ROE
Renta 4 reports sustained high returns on equity (~18–24%), indicating efficient capital use and strong core profitability. Durable ROE supports internal capital generation, dividend capacity, and reinvestment, underpinning long-term shareholder value and strategic flexibility.
Read all positive factors
Renta 4 Banco, S.A. (R4) vs. iShares MSCI Spain ETF (EWP)
Market Cap
€779.92M
Dividend Yield3.62%
Average Volume (3M)1.70K
Price to Earnings (P/E)14.5
Beta (1Y)0.19
Revenue Growth13.97%
EPS Growth49.25%
CountryES
Employees766
SectorFinancial
Sector Strength70
IndustryBanks
Share Statistics
EPS (TTM)1.32
Shares Outstanding40,693,203
10 Day Avg. Volume1,344
30 Day Avg. Volume1,697
Financial Highlights & Ratios
PEG Ratio0.58
Price to Book (P/B)4.65
Price to Sales (P/S)2.74
P/FCF Ratio19.80
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Renta 4 Banco, S.A. Business Overview & Revenue Model
Company Description
Renta 4 Banco, S.A., together with its subsidiaries, engages in the provision of wealth management, brokerage, and corporate advisory services in Spain and internationally. The company is involved in the management of collective investment institu...
How the Company Makes Money
Renta 4 Banco primarily earns revenue by providing investment and wealth services to clients. Key revenue streams include: (1) Brokerage and trading-related fees and commissions charged when clients buy or sell financial instruments (e.g., equitie...
Renta 4 Banco, S.A. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
56
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 346.64M | 300.33M | 183.97M | 200.18M | 113.90M | 120.19M |
| Gross Profit | 172.20M | 153.61M | 152.80M | 131.54M | 110.01M | 115.56M |
| EBITDA | 90.40M | 72.43M | 56.80M | 48.24M | 39.42M | 41.96M |
| Net Income | 54.06M | 42.63M | 32.14M | 26.13M | 21.54M | 25.34M |
Balance Sheet | ||||||
| Total Assets | 2.63B | 2.56B | 2.48B | 2.19B | 2.41B | 2.20B |
| Cash, Cash Equivalents and Short-Term Investments | 1.34B | 1.35B | 1.55B | 1.10B | 779.88M | 1.20B |
| Total Debt | 0.00 | 48.52M | 25.46M | 23.95M | 21.80M | 19.72M |
| Total Liabilities | 2.43B | 2.38B | 2.32B | 2.05B | 2.29B | 2.07B |
| Stockholders Equity | 198.27M | 176.88M | 157.95M | 140.08M | 116.48M | 129.21M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 41.51M | 474.30M | 356.71M | -404.64M | 469.01M |
| Operating Cash Flow | 0.00 | 55.05M | 487.61M | 366.21M | -396.20M | 476.58M |
| Investing Cash Flow | 0.00 | -275.78M | -16.77M | -14.03M | -8.44M | -7.57M |
| Financing Cash Flow | 0.00 | 28.09M | 4.28M | -30.20M | -18.50M | -17.74M |
Renta 4 Banco, S.A. Technical Analysis
Positive
19.30
Price Trends
19.27
Positive
19.18
Positive
19.02
Positive
Market Momentum
-0.02
Positive
49.86
Neutral
24.07
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ES:R4, the sentiment is Positive. The current price of 19.3 is below the 20-day moving average (MA) of 19.43, above the 50-day MA of 19.27, and above the 200-day MA of 19.02, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 49.86 is Neutral, neither overbought nor oversold. The STOCH value of 24.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ES:R4.
Renta 4 Banco, S.A. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | €141.34B | 13.16 | 19.31% | 3.62% | -8.98% | 6.81% | |
72 Outperform | €779.92M | 14.55 | 29.31% | 3.62% | 13.97% | 49.25% | |
69 Neutral | €193.07B | 11.59 | 15.48% | 1.86% | 8.23% | 24.66% | |
69 Neutral | €9.38B | 14.27 | 9.44% | 7.87% | -6.69% | 5.62% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
ES:R4
Renta 4 Banco, S.A.
19.35
0.70
3.76%
ES:SAN
Banco Santander
12.89
4.76
58.64%
ES:BBVA
Banco Bilbao Vizcaya Argentaria
25.38
10.24
67.67%
ES:UNI
Unicaja Banco SA
3.61
1.38
61.67%
ES:INDXA
Indexa Capital Group, S.A.
16.90
5.90
53.64%
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.