Renta 4 Banco, S.A. (R4) AI Stock Analysis

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Renta 4 Banco, S.A.

(BME:R4)

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Rating:81Outperform

Price Target:EUR 25.00▲(14.68% Upside)

Action:reiterated

Date:08/06/26

The score is driven primarily by very strong financial performance, supported by a stable upward trend in technical indicators. Valuation is fair rather than deeply discounted, which limits the overall score despite the strong fundamentals.

Positive Factors

Strong profitability and returnsConsistently positive earnings and healthy operating profitability indicate that Renta 4 has a functioning, profitable business model. Strong returns on equity of roughly 18%–24% also show efficient use of shareholder capital, supporting durable earnings capacity over the next several quarters.

Negative Factors

Volatile cash generationLarge year-to-year swings in operating and free cash flow make cash conversion less predictable than reported profitability. The 2022 outflow and weaker 2025 result could constrain internally funded investment or distributions if similar volatility persists across the next several reporting periods.

Renta 4 Banco, S.A. (R4) vs. iShares MSCI Spain ETF (EWP)

Market Cap: EUR 885.53M
Dividend Yield: 3.21%
Average Volume (3M): 2,079
Price to Earnings (P/E): 15.6
Beta (1Y): 0.11
Revenue Growth: 11.58%
EPS Growth: 44.82%
Country: Spain
Employees: 766
Sector: Financial
Sector Strength: 68
Industry: Banks

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 institutio...

How the Company Makes Money

Renta 4 Banco primarily makes money by charging fees and commissions for investment and brokerage-related services and by earning financial income tied to client assets and market activity. Key revenue streams typically include: (1) Brokerage and tra...

Renta 4 Banco, S.A. Financial Statement Overview

Summary

Strong overall fundamentals, led by 2025 revenue growth of 58%, net income of €42.6M, ROE of 24%, and healthy balance sheet strength with low leverage.

Income Statement

92Very Positive

Balance Sheet

88Very Positive

Cash Flow

85Very Positive

Financial statement breakdown
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	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	41.51M	474.30M	356.71M	-404.64M	469.01M
Operating Cash Flow	0	55.05M	487.61M	366.21M	-396.20M	476.58M
Investing Cash Flow	0	-275.78M	-16.77M	-14.03M	-8.44M	-7.57M
Financing Cash Flow	0	28.09M	4.28M	-30.20M	-18.50M	-17.74M

Renta 4 Banco, S.A. Technical Analysis

Technical Analysis SentimentPositive

Last Price21.80

Price Trends

50DMA19.54Positive

100DMA19.37Positive

200DMA19.16Positive

Market Momentum

MACD0.34Negative

RSI90.76Negative

STOCH67.75Neutral

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 21.80 is above the 20-day moving average (MA) of 19.75, above the 50-day MA of 19.54, and above the 200-day MA of 19.16, indicating a bullish trend. The MACD of 0.34 indicates Negative momentum. The RSI at 90.76 is Negative, neither overbought nor oversold. The STOCH value of 67.75 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

ES:R4 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ES:R4	81Outperform	EUR 885.53M	15.57	29.95%	3.21%	11.58%	44.82%
ES:BBVA	76Outperform	EUR 115.76B	10.32	20.16%	4.61%	-6.76%	13.85%
ES:SAN	76Outperform	EUR 147.13B	9.12	15.04%	2.49%	14.61%	21.71%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ES:UNI	61Neutral	EUR 8.15B	12.40	9.44%	6.02%	-6.69%	5.62%

* Financial Sector Average

Performance Comparison

ES:R4 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
ES:R4	Renta 4 Banco, S.A.	21.80	2.60	13.55%
ES:SAN	Banco Santander SA	10.12	1.44	16.62%
ES:BBVA	Banco Bilbao Vizcaya Argentaria SA	21.06	4.67	28.46%
ES:UNI	Unicaja Banco	3.17	0.91	40.33%
ES:INDXA	Indexa Capital Group, S.A.	14.80	1.20	8.82%

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.

Date of analysis: Aug 04, 2026

Renta 4 Banco, S.A. AI Stock Analysis