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:83Outperform

Price Target:EUR 27.00▲(25.58% Upside)

Action:reiterated

Date:11/03/26

The score is supported primarily by strong financial performance, including profitability, growth, low leverage, and improving cash flow. Favorable valuation adds support, while highly overbought technical conditions create the main near-term risk.

Positive Factors

Conservative leverage and strong ROEConservative leverage gives Renta 4 financial flexibility while strong returns on equity indicate efficient use of shareholder capital. Together, these characteristics support resilience, reduce balance-sheet strain, and provide capacity to sustain investment or distributions over the next several quarters.

Negative Factors

Volatile and less predictable cash generationLarge year-to-year cash-flow swings reduce confidence in consistent cash conversion, even though generation was strong across much of 2021–2024. Less predictable operating cash can complicate planning, capital allocation, and the ability to fund growth internally through weaker periods.

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

Market Cap: EUR 873.34M
Dividend Yield: 4.42%
Average Volume (3M): 2,752
Price to Earnings (P/E): 15.4
Beta (1Y): 0.07
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 2025 revenue and net income growth, 24% ROE, expanding equity and assets, low leverage, and recovering positive cash flow support a high score. Margin variability and past cash-flow volatility limit the score.

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	352.51M	300.33M	183.97M	200.18M	113.90M	120.19M
Gross Profit	173.41M	153.61M	152.80M	131.54M	110.01M	115.56M
EBITDA	92.21M	72.43M	56.80M	48.24M	39.42M	41.96M
Net Income	57.34M	42.63M	32.14M	26.13M	21.54M	25.34M
Balance Sheet
Total Assets	2.67B	2.56B	2.48B	2.19B	2.41B	2.20B
Cash, Cash Equivalents and Short-Term Investments	1.37B	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	2.46B	2.38B	2.32B	2.05B	2.29B	2.07B
Stockholders Equity	211.78M	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 Price21.50

Price Trends

50DMA19.60Positive

100DMA19.18Positive

200DMA18.85Positive

Market Momentum

MACD0.63Negative

RSI63.53Neutral

STOCH21.89Neutral

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 21.50 is above the 20-day moving average (MA) of 20.58, above the 50-day MA of 19.60, and above the 200-day MA of 18.85, indicating a bullish trend. The MACD of 0.63 indicates Negative momentum. The RSI at 63.53 is Neutral, neither overbought nor oversold. The STOCH value of 21.89 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	83Outperform	EUR 873.34M	15.36	29.95%	4.42%	11.58%	44.82%
ES:SAN	76Outperform	EUR 161.26B	9.99	15.04%	2.27%	14.61%	21.71%
ES:BBVA	74Outperform	EUR 129.55B	11.55	20.16%	4.12%	8.92%	12.99%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ES:UNI	61Neutral	EUR 8.87B	13.15	9.91%	5.54%	-2.92%	7.85%

* 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.	21.50	3.09	16.78%
ES:SAN	Banco Santander SA	11.09	2.17	24.27%
ES:BBVA	Banco Bilbao Vizcaya Argentaria SA	23.57	6.15	35.31%
ES:UNI	Unicaja Banco	3.45	1.11	47.67%
ES:INDXA	Indexa Capital Group, S.A.	17.00	3.70	27.82%

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: Nov 03, 2026

Renta 4 Banco, S.A. AI Stock Analysis