Bankinter (BKTN) Stock Price & Analysis
BKTN Stock Chart & Stats
- Day’s Range
- MXN 290.00 - MXN 290.00
- 52-Week Range
- MXN 222.12 - MXN 316.54
- Previous Close
- MXN 290.00
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- MXN 262.39B
- Enterprise Value
- MXN 21.99B
- Total Cash (Recent Filing)
- MXN 17.82B
- Total Debt (Recent Filing)
- MXN 9.98B
- Price to Earnings (P/E)
- 10.7
- Beta
- 0.05
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- 6.99
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.13%
Bulls Say, Bears Say
Bulls Say
Improving Profitability
Bankinter 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.
Capital Strength
Steady equity growth alongside strong returns on equity indicates that Bankinter is building its capital base while continuing to use it productively. This combination improves resilience, supports lending capacity, and gives the bank greater flexibility to absorb losses or fund strategic growth.
Diversified Banking Model
The company operates across lending, deposits, payments, wealth management, and insurance distribution for several customer groups. This breadth can diversify revenue sources and deepen client relationships, reducing reliance on any single product line while supporting recurring fee and interest income over time.
Bears Say
Cash-Flow Instability
Large 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.
Top-Line Volatility
The latest revenue contraction shows that Bankinter’s earnings growth is not being accompanied by consistently expanding top-line activity. If this volatility persists, the bank may need to rely more heavily on pricing, product mix, or cost control to sustain margins, making future profit growth less predictable.
Balance-Sheet Risk
The improvement in leverage is constructive, but rising absolute debt still leaves Bankinter exposed to changes in funding conditions. For a bank, renewed pressure on funding costs or availability can quickly affect margins and liquidity, so balance-sheet risk remains an important constraint on durable growth.
Bankinter News
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Bankinter Stock Smart Score
Company Description
Bankinter
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.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Gloria Ortiz Portero
- Employees
- 6,667
- Website
- www.bankinter.com
- Address
- Paseo de la Castellana Number 29, Madrid, MA, 28046, ES
Bankinter (BKTN) Earnings & Revenues
BKTN Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 2 | 13 |
| Technical Analysis | 4 | 2 | 3 |
| Moving Averages | 2 | 0 | 10 |








