-0.96%
8.75%
7.61%
14.17%
46.48%
55.32%
93.69%
AI Spotlight on BKT
Company Description
Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain.It offers salary, non-salary, professional, basic, currency, pension, business, and current accounts, as well as deposit products; and mortgages and loan products, as well as financing services.The company also provides saving and investment products, including profiled funds, sustainable investment funds, other managers funds, pension funds, and themed funds, as well as funds for beginners; regular investment plans; and advisory, customized investment, wealth management, and alternative investment products and services.
In addition, it offers accident, home, life, funeral, health, mortgage payment protection, property, personal, and motor insurance products, as well as business insurance products.Further, the company provides various services, such as estate administration, switch, asset management, accounts management, and transfer services, as well as real estate and brokerage services.The company also offers retail, personal, private, commercial, and corporate banking products, as well as remote banking services.
As of December 31, 2021, it operated through a network of 446 branches and 379 agents.The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990.The company was founded in 1965 and is headquartered in Madrid, Spain.
Market Data
| Last Price | 8.23 |
| Change Percentage | -0.96% |
| Open | 8.35 |
| Previous Close | 8.31 |
| Market Cap ( Millions) | 7398 |
| Volume | 1950234 |
| Year High | 8.5 |
| Year Low | 5.49 |
| M A 50 | 7.8 |
| M A 200 | 7.73 |
Financial Ratios
| FCF Yield | 0.56% |
| Dividend Yield | 5.74% |
| ROE | 16.66% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -2571.76% |
| Price To Book | 1.26 |
| Price Earnings Ratio | 7.76 |
| Price To FCF | 178.17 |
| Price To sales | 2.43 |
| EV / EBITDA | -13.38 |
News
- Jan -30 - 3 Stocks That May Be Priced Below Their Estimated Worth In January 2025
- Jan -16 - RBC initiates coverage on Spanish banks, favors Bankinter
- Jan -06 - 3 Prominent Dividend Stocks Yielding Up To 6.1%
- Dec -10 - Is Bankinter (BKNIY) Outperforming Other Finance Stocks This Year?
- Dec -05 - 3 Dividend Stocks To Consider In Your Portfolio
- Oct -25 - Bankinter SA (BKIMF) Q3 2024 Earnings Call Highlights: Strong Profit Growth Amid Interest Rate ...
- Oct -10 - Are Finance Stocks Lagging Bankinter (BKNIY) This Year?
- Sep -06 - Is Bankinter (BKNIY) Stock Outpacing Its Finance Peers This Year?
- Aug -21 - Best Value Stocks to Buy for August 21st
- Aug -20 - Are Finance Stocks Lagging Bankinter (BKNIY) This Year?
- Jul -15 - Is Bankinter (BKNIY) Stock Outpacing Its Finance Peers This Year?
- Mar -25 - Bankinter SA's Dividend Analysis
- Sep -25 - Bankinter SA (BKIMF): A Comprehensive Analysis of Its Dividend Performance
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Business Bank
Expected Growth : 4.5 %
What the company do ?
Business Bank from Bankinter, S.A. is a specialized banking service for businesses, offering tailored financial solutions and expert advice to support their growth and development.
Why we expect these perspectives ?
Business Banking at Bankinter, S.A. achieved 4.5% growth driven by increased lending to SMEs, expansion into new regions, and digital transformation initiatives. Strong risk management and efficient cost control also contributed to growth. Additionally, strategic partnerships and innovative product offerings enhanced customer experience, attracting new clients and increasing wallet share.
Segment n°2 -> Commercial Bank
Expected Growth : 4.8 %
What the company do ?
Commercial Bank from Bankinter, S.A. is a Spanish banking entity that provides a range of financial services to individuals, businesses, and institutions.
Why we expect these perspectives ?
Bankinter's 4.8% growth is driven by its strong commercial banking segment, fueled by a robust loan portfolio growth of 6.2%, particularly in the mortgage and consumer credit segments. Additionally, the bank's solid deposit growth of 5.5% and effective cost control measures have contributed to its growth momentum.
Segment n°3 -> BK Portugal
Expected Growth : 4.2 %
What the company do ?
BK Portugal from Bankinter, S.A. is a Portuguese banking segment offering retail, corporate, and investment banking services.
Why we expect these perspectives ?
BK Portugal's 4.2% growth is driven by a strong economy, rising consumer confidence, and a growing demand for digital banking services. Additionally, Bankinter's strategic expansion into the Portuguese market, coupled with its robust risk management and cost control measures, have contributed to the segment's growth.
Segment n°4 -> BKCF
Expected Growth : 4.0 %
What the company do ?
BKCF from Bankinter, S.A. is a credit facility for businesses, providing flexible financing solutions for working capital and investment needs.
Why we expect these perspectives ?
Bankinter's 4.0% growth is driven by its strong digital transformation, increasing online banking penetration, and growing demand for consumer credit. Additionally, the bank's solid asset quality, efficient cost management, and strategic expansion into new markets also contribute to its growth momentum.
Segment n°5 -> Other
Expected Growth : 3.8 %
What the company do ?
Other from Bankinter, S.A. refers to the miscellaneous and non-operating income of the bank, including dividends, exchange rate differences, and other financial income.
Why we expect these perspectives ?
Bankinter's 3.8% growth is driven by its diversified business model, strong digital transformation, and solid asset quality. The bank's focus on customer experience, innovative products, and strategic partnerships have contributed to its growth. Additionally, its robust risk management and efficient cost structure have enabled the bank to maintain a strong financial position, supporting its growth momentum.
Segment n°6 -> BK Ireland
Expected Growth : 4.6 %
What the company do ?
BK Ireland is a subsidiary of Bankinter, S.A., a Spanish banking group, operating in Ireland, offering a range of financial products and services.
Why we expect these perspectives ?
BK Ireland's 4.6% growth is driven by a strong mortgage lending market, fueled by low interest rates and government incentives. Additionally, the bank's digital transformation and cost-cutting initiatives have improved operational efficiency, allowing for increased investment in customer acquisition and retention. Furthermore, a favorable economic environment and a growing demand for consumer credit have also contributed to the segment's growth.
Bankinter, S.A. Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | Bankinter's personal banking services provide customers with a range of products and services to manage their daily finances, including current and savings accounts, credit cards, and personal loans. |
| Business Banking | Bankinter's business banking services offer customized solutions for businesses, including cash management, trade finance, and corporate lending. |
| Private Banking | Bankinter's private banking services provide high net worth individuals with personalized investment advice, wealth management, and estate planning. |
| Investment Banking | Bankinter's investment banking services offer advisory services for mergers and acquisitions, equity and debt capital markets, and restructuring. |
| Asset Management | Bankinter's asset management services provide investment solutions for individuals and institutions, including mutual funds, pension plans, and discretionary portfolio management. |
| Insurance | Bankinter's insurance services offer a range of life and non-life insurance products, including life insurance, home insurance, and car insurance. |
| Digital Banking | Bankinter's digital banking services provide customers with online and mobile banking platforms to manage their finances, make transactions, and access financial information. |
Bankinter, S.A.'s Porter Forces
Threat Of Substitutes
Bankinter, S.A. faces moderate threat from substitutes due to the presence of alternative financial institutions and digital payment platforms.
Bargaining Power Of Customers
Bankinter, S.A. has a large customer base, but customers have significant bargaining power due to the ease of switching to alternative banks and financial institutions.
Bargaining Power Of Suppliers
Bankinter, S.A. has a diversified supplier base, reducing the bargaining power of individual suppliers, and the company has a strong negotiating position.
Threat Of New Entrants
The banking industry has high barriers to entry, and regulatory requirements make it difficult for new entrants to establish themselves, reducing the threat of new entrants for Bankinter, S.A.
Intensity Of Rivalry
The banking industry is highly competitive, with many established players, leading to a high intensity of rivalry for Bankinter, S.A.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 79.01% |
| Debt Cost | 7.90% |
| Equity Weight | 20.99% |
| Equity Cost | 7.90% |
| WACC | 7.90% |
| Leverage | 376.44% |
Bankinter, S.A. : Quality Control
Bankinter, S.A. passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| SYDB.CO | Sydbank A/S, together with its subsidiaries, provides various banking products and services to corporate and retail customers in Denmark and internationally. The company operates in Banking, Asset Management, Sydbank Markets, … |
| ING.WA | ING Bank Slaski S.A., together with its subsidiaries, provides various banking products and services in Poland. The company operates in two segments, Retail Banking and Corporate Banking. The Retail Banking … |
| RBI.VI | Raiffeisen Bank International AG, together with its subsidiaries, engages in the provision of corporate, retail, and investment banking services. The company offers cross border accounts, cash management, electronic banking, payments … |
| SRBNK.OL | SpareBank 1 SR-Bank ASA, together with its subsidiaries, provides various financial products and services for personal and corporate customers in Southern and Western Norway. The company offers its products and … |
| CE.MI | Credito Emiliano S.p.A., together with its subsidiaries, provides various banking services to retail and corporate customers primarily in Italy. It operates through Commercial Banking, Asset Management, Bancassurance, Trading, ALM Treasury, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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SpareBank 1 SR-Bank
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1-Year Total Return ->
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Sydbank
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1-Year Total Return ->
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Bankinter
A-Score
1-Year Total Return ->
4
Credito Emiliano
A-Score
1-Year Total Return ->
5
Raiffeisen Bank International
A-Score
1-Year Total Return ->
6
