Bankinter (BKT.MC) Stock Price
Bankinter Price
Revenue has compounded at 5.2% per year over the past 19 years to 4.71 B EUR. Earnings per share have grown at 8.2% per year over the last 16 years. Bankinter's net margin stands at 23.1%, down from 61.3% several years earlier. Bankinter currently offers a dividend yield of about 3.40%. The payout ratio is around 47% of earnings. The dividend has grown at 6.9% per year over the past 19 years. Analysts set a median price target of 15.38 EUR, implying 9.0% below the current price. Of 28 analysts, 11 rate the stock a buy — an overall Hold consensus. The stock trades about 34% above its 52-week low.
Bankinter stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Bankinter over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Bankinter stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Bankinter's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Bankinter Price |
|---|---|
| 9/7/2026 | 16.89 EUR |
| 9/4/2026 | 16.88 EUR |
| 9/3/2026 | 16.91 EUR |
| 9/2/2026 | 16.58 EUR |
| 9/1/2026 | 16.62 EUR |
| 8/31/2026 | 16.68 EUR |
| 8/28/2026 | 16.66 EUR |
| 8/27/2026 | 16.66 EUR |
| 8/26/2026 | 16.72 EUR |
| 8/25/2026 | 16.78 EUR |
| 8/24/2026 | 16.77 EUR |
| 8/21/2026 | 16.66 EUR |
| 8/20/2026 | 16.58 EUR |
| 8/19/2026 | 16.68 EUR |
| 8/18/2026 | 16.73 EUR |
| 8/17/2026 | 16.75 EUR |
| 8/14/2026 | 16.76 EUR |
| 8/13/2026 | 16.65 EUR |
| 8/12/2026 | 16.50 EUR |
| 8/11/2026 | 16.53 EUR |
| 8/10/2026 | 16.57 EUR |
| 8/7/2026 | 16.45 EUR |
| 8/6/2026 | 16.43 EUR |
| 8/5/2026 | 16.26 EUR |
| 8/4/2026 | 16.06 EUR |
| 7/31/2026 | 15.93 EUR |
| 7/30/2026 | 15.88 EUR |
| 7/29/2026 | 15.62 EUR |
| 7/28/2026 | 16.17 EUR |
| 7/27/2026 | 16.15 EUR |
Bankinter Revenue, Net Income
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Bankinter Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB EUR |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEB EUR |
| NET INCOMEB EUR |
| NET INCOME GROWTH% |
| DIVIDENDDIV.EUR |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e | 2029e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2.15 | 2.04 | 2.06 | 2.17 | 2.27 | 1.97 | 1.99 | 2.17 | 2.49 | 4.38 | 5.20 | 4.71 | 3.28 | 3.51 | 3.70 | 3.94 |
| -4.27 | -5.07 | 1.03 | 5.29 | 4.74 | -13.54 | 1.12 | 9.31 | 14.73 | 75.57 | 18.87 | -9.48 | -30.36 | 6.92 | 5.56 | 6.40 |
| 69.86 | 79.67 | 85.79 | 89.54 | 90.06 | 89.78 | 93.01 | 92.13 | 90.73 | 66.55 | 59.24 | 65.44 | 65.44 | 65.44 | 65.44 | 65.44 |
| 1.50 | 1.63 | 1.77 | 1.94 | 2.05 | 1.77 | 1.85 | 2.00 | 2.26 | 2.91 | 3.08 | 3.08 | 2.15 | 2.29 | 2.42 | 2.58 |
| 0.28 | 0.38 | 0.49 | 0.50 | 0.53 | 0.55 | 0.32 | 1.33 | 0.56 | 0.84 | 0.95 | 1.09 | 1.18 | 1.30 | 1.39 | 1.53 |
| 45.50 | 36.36 | 30.67 | 1.02 | 6.26 | 4.56 | -42.36 | 320.50 | -57.99 | 50.71 | 12.80 | 14.39 | 8.72 | 9.80 | 7.15 | 10.05 |
| 0.10 | 0.23 | 0.21 | 0.25 | 0.29 | 0.29 | 0.39 | 0.23 | 0.28 | 0.45 | 0.94 | 0.57 | 0.63 | 0.72 | 0.83 | – |
| 25.00 | 130.00 | -8.70 | 19.05 | 16.00 | – | 34.48 | -41.03 | 21.74 | 60.71 | 108.89 | -39.36 | 10.53 | 14.29 | 15.28 | – |
| 898.87 | 898.87 | 898.87 | 898.87 | 898.72 | 898.87 | 897.97 | 898.64 | 898.67 | 898.63 | 898.65 | 898.68 | 898.68 | 898.68 | 898.68 | 898.68 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Bankinter generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Bankinter retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Bankinter's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Bankinter has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Bankinter's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Bankinter stock margins
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Bankinter Revenue per Share, Earnings per Share
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Bankinter business model & stock analysis
Bankinter SWOT Analysis
Strengths
1. Strong Financial Performance: Bankinter SA has consistently shown strong financial results, with steady revenue growth and healthy profit margins.
2. Diversified Business Portfolio: The company offers a wide range of financial products and services, including banking, insurance, asset management, and investment banking.
3. Technological Advancements: Bankinter SA has embraced digital transformation and invested in advanced technology platforms, enabling efficient operations and providing enhanced customer experiences.
Weaknesses
1. Limited Geographic Presence: Although Bankinter SA has a strong presence in Spain, its operations are limited to a single market, which exposes it to potential risks associated with regional economic downturns.
2. Reliance on Wholesale Funding: The company heavily relies on wholesale funding for its operations, which may create vulnerability to changes in market conditions and liquidity risks.
3. Regulatory and Compliance Challenges: As a financial institution, Bankinter SA faces regulatory and compliance burdens that require continuous monitoring and adherence to ensure operations remain within legal requirements.
Opportunities
1. Expansion into New Markets: Bankinter SA has the potential to expand its operations beyond Spain into new international markets, which would diversify its revenue streams and reduce dependence on a single market.
2. Growing Demand for Online Banking: The increasing trend of digital banking presents an opportunity for Bankinter SA to further develop its online banking platforms and attract tech-savvy customers.
3. Acquisition and Partnerships: Strategic acquisitions or partnerships with fintech companies could help Bankinter SA leverage innovative technologies, enhance product offerings, and improve market competitiveness.
Threats
1. Intense Market Competition: Bankinter SA operates in a highly competitive financial industry, where rival banks and fintech startups constantly strive to gain market share and offer innovative products.
2. Economic Volatility: Fluctuations in the global and regional economy can impact the performance of Bankinter SA, leading to decreased demand for financial services, increased credit risks, and potential defaults.
3. Disruptive Technologies: The emergence of new technologies such as blockchain and artificial intelligence could disrupt traditional banking models, and Bankinter SA must adapt to these changes to stay relevant.
Bankinter Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Bankinter historical P/E ratio, EBIT multiple, and P/S ratio
Bankinter annual returns
Details
Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Bankinter shares outstanding
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Bankinter stock splits
Bankinter Dividend History
37 years of dividend payments
Bankinter dividend history and estimates
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Bankinter dividend payout ratio
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Current Bankinter forecasts and price targets in September 2026
Analyst Price Targets 2026Bankinter Earnings Calls
Bankinter Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 1/17/2024 | 0.23EUR | - | -EUR | - | 2023 Q4 |
| 1/18/2023 | 0.14EUR | - | -EUR | - | 2022 Q4 |
| 10/20/2022 | 0.18EUR | - | 548.30 MEUR | - | 2022 Q3 |
| 7/21/2022 | 0.12EUR | - | 460.30 MEUR | - | 2022 Q2 |
| 4/28/2022 | 0.14EUR | - | 420.94 MEUR | - | 2022 Q1 |
| 1/20/2022 | 0.06EUR | - | 426.30 MEUR | - | 2021 Q4 |
| 10/21/2021 | 0.12EUR | - | 491.51 MEUR | - | 2021 Q3 |
| 7/22/2021 | 0.77EUR | - | 436.59 MEUR | - | 2021 Q2 |
| 4/22/2021 | 0.14EUR | - | 459.80 MEUR | - | 2021 Q1 |
| 1/21/2021 | 0.08EUR | - | 405.28 MEUR | - | 2020 Q4 |
EESG©
Eulerpool ESG Scorecard© for the Bankinter stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
Bankinter shareholder structure
| % | Name |
|---|---|
5.69228% | |
3.77829% | |
2.40474% | |
2.40118% | |
1.45623% | |
1.38190% |
Bankinter Beneficial Ownership Filings (SEC 13D/G)
Bankinter Executives and Management Board
24 members · avg. age 66 · 42 % women
Mr. Alfonso Botin-Sanz De Sautuola Y Naveda (53)
Executive Vice Chairman of the Board · since 1997
2.08 M EUR
Management
Ms. Gloria Ortiz Portero
Chief Executive Officer, Executive Director · since 2008
Mr. Jacobo Diaz Garcia
Chief Financial Officer, Head - Digital Banking · since 2024
Mr. Julio Gabriel Zapatero Gaviria
Chief Risk Officer
Mr. Jaime Inigo Guerra Azcona
Head - Investment Banking
Mr. Ignacio Lozano Egea
Head - Commercial Retail Banking
Mr. Francisco Martinez Garcia
Head - Internal Audit · since 2018
Board of Directors
Ms. Maria Dolores Dancausa Trevino
Non-Executive Chairwoman of the Board, Other External Director · since 2010
Ms. Maria Luisa Jorda Castro (83)
Independent External Director
Ms. Cristina Garcia-Peri Alvarez
Lead Independent Director
Mr. Alvaro Alvarez-Alonso Plaza (61)
Independent External Director
Ms. Teresa Martin-Retortillo Rubio (62)
Independent External Director
Mr. Fernando Maria Masaveu Herrero (58)
External Proprietary Director
Frequently asked questions about Bankinter
The business model of Bankinter SA revolves around providing a comprehensive range of financial services. Bankinter SA operates as a commercial bank, offering various products and services to individuals, businesses, and institutions. The company focuses on retail banking, corporate banking, and asset management activities. Bankinter SA aims to enhance customer satisfaction by delivering personalized solutions, innovative digital banking services, and competitive financial products. With a strong emphasis on customer service and technological innovation, Bankinter SA remains committed to meeting the diverse financial needs of its clients and driving sustainable growth in the banking industry.
Bankinter SA is primarily active in the financial services industry.
The main competitors of Bankinter SA in the market include fellow Spanish financial institutions such as Banco Santander, BBVA, CaixaBank, and Banco Sabadell. Additionally, Bankinter SA faces competition from international banks operating in Spain, such as HSBC and Deutsche Bank. These competitors have a similar focus on providing banking and financial services, and they strive to attract customers with their product offerings, customer service, and competitive interest rates. Overall, Bankinter SA competes with a range of domestic and international banks in the Spanish market.
Bankinter SA, established in 1965, is a leading Spanish financial institution specializing in banking and financial services. With its headquarters in Madrid, Bankinter SA operates through a network of branches and provides a comprehensive range of products and services, including retail banking, corporate banking, investment banking, and asset management. The company has a rich history of growth and innovation, being the first Spanish bank to introduce telephone banking and later internet banking. Over the years, Bankinter SA has built a strong reputation for its customer-centric approach and commitment to technological advancement, making it a trusted choice for individuals and businesses alike.
Bankinter SA has achieved several significant milestones. One notable accomplishment is its consistent growth and profitability since its establishment in 1965. The company has been recognized for its strong financial performance and efficient business model. Bankinter SA has also expanded its operations internationally, establishing a presence in various countries. Additionally, the company has received numerous awards and accolades for its innovative banking solutions and customer-centric approach. Through strategic partnerships and acquisitions, Bankinter SA has diversified its offerings and enhanced its market position. Overall, Bankinter SA's commitment to excellence and its ability to adapt to changing market dynamics have contributed to its impressive track record of achievement.
Bankinter SA is primarily present in Spain.
Bankinter SA represents values such as innovation, customer focus, and commitment. The company is committed to staying at the forefront of the financial industry by implementing technological advancements and providing innovative solutions to its customers. Bankinter SA prioritizes the needs and satisfaction of its clients by offering personalized services and establishing long-term relationships. With a strong corporate philosophy, Bankinter SA strives to ensure transparency, integrity, and professionalism in all its operations. The company aims to create value for its shareholders and contribute to the social and economic development of the community it serves.
Analysts currently set an average price target of 14.96 EUR for the Bankinter stock (median: 15.38 EUR), implying -11.4 % versus the latest price. The consensus is based on 28 analyst ratings.
28 analysts currently rate the Bankinter stock: 11 recommend buying, 11 holding and 6 selling. For 2026, analysts expect Bankinter to generate revenue of 3.28 B EUR and earnings per share of 1.32 EUR.
The Bankinter share (BKT.MC) is listed on 9 stock exchanges, including: Frankfurt (BAKA.F), München (BAKA.MU), Düsseldorf (BAKA.DU), London (0H7O.L), SIX (Zürich) (BKT.SW), Wien (BKT.VI).
Bankinter S.A. is a Spanish bank that was founded in 1965. Today it is one of the largest banks in Spain and offers a comprehensive range of financial services for private customers, companies, and institutions. The business model of Bankinter is based on three main pillars: 1. Retail Banking: Here Bankinter offers a comprehensive range of financial products for private customers. These include current accounts, savings and investment products, loans and mortgages, as well as insurance and retirement products. Bankinter is particularly known for its innovative products and services, such as the mobile payment system "Bankinter Pay" or the digital asset management "Popcoin". 2. Business customers: Bankinter offers a wide range of financial services for companies and institutions. These include loans and credits, investment and financial advice, cash management, foreign exchange trading, and risk management. Bankinter has specialized particularly in the medium-sized enterprise sector and offers tailored solutions here. 3. Corporate Banking: Here Bankinter offers specialized services for large companies and institutional clients. These include project financing, mergers and acquisitions, as well as capital market transactions. Another important pillar of Bankinter is investment banking. Here, the bank offers advice and support for corporate finance, IPOs, mergers and acquisitions, as well as other capital market transactions. Bankinter is also active in the field of private banking. Here, the bank serves wealthy customers with a comprehensive range of customized investment and asset management solutions. The bank also offers specialized services, such as inheritance or tax advice. A large part of Bankinter's business is conducted through digital channels. The bank has a modern online platform through which customers can conveniently conduct their banking transactions from home. The Bankinter app also offers a variety of functions, such as mobile payments, a financial assistant, or digital asset management. Overall, Bankinter's business model is characterized by a broad diversification of activities and a strong focus on innovation and digitization. The bank has specialized particularly in the medium-sized enterprise sector and offers tailored solutions here. With its wide range of financial products and services, Bankinter is able to meet the needs of a broad customer base.
The expected revenue of Bankinter is 3.28 B EUR. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Bankinter is 1.18 B EUR. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Bankinter is currently 12.82. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Bankinter stock.
The price-to-sales ratio (P/S) of Bankinter is currently 4.63. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Bankinter stock.
The Eulerpool Quality Score for Bankinter is 7/10.
The ISIN of Bankinter is ES0113679I37. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Bankinter is A0MW33. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Bankinter is BKT.MC. The ticker symbol is used to trade Bankinter shares on the stock exchange.
Over the past 12 months, Bankinter paid a dividend of 0.57 EUR . This corresponds to a dividend yield of about 3.40 %. For the coming 12 months, Bankinter is expected to pay a dividend of 0.72 EUR.
The current dividend yield of Bankinter is 3.40 %.
Bankinter pays a dividend, distributed in the months of , , , .
Bankinter paid dividends every year for the past 36 years.
For the upcoming 12 months, dividends amounting to 0.72 EUR are expected. This corresponds to a dividend yield of 4.28 %.
Bankinter is assigned to the 'Finance' sector.
In the year 2025, Bankinter distributed 0.94 EUR as dividends.
The dividends of Bankinter are distributed in EUR.
Bankinter stock
Bankinter Peer Group
Bankinter Ticker
Bankinter FIGI
All fundamentals and in-depth analysis of Bankinter
Our stock analysis for Bankinter stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Bankinter. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.