Renta 4 Banco (R4.MC) Stock Price

Renta 4 Banco Price

BME·CLOSED
19.40EUR-0.05 (-0.26 %)
Market closed

Over the last 19 years Renta 4 Banco grew revenue by 9.5% annually, reaching 300.55 M EUR. Earnings per share have grown at 4.1% per year over the last 19 years. For Renta 4 Banco, the net margin of 14.2% is up versus 11.9% a few years ago. At today's price the dividend yield works out to roughly 3.14%. The payout ratio is around 58% of earnings. The dividend has grown at 6.8% per year over the past 17 years. The stock trades about 10% above its 52-week low.

Renta 4 Banco stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Renta 4 Banco 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 Renta 4 Banco 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 Renta 4 Banco's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Renta 4 Banco Stock Price History
DateRenta 4 Banco Price
7/30/202619.40 EUR
7/29/202619.45 EUR
7/28/202619.00 EUR
7/27/202619.40 EUR
7/24/202619.10 EUR
7/23/202619.10 EUR
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7/10/202618.95 EUR
7/9/202618.75 EUR
7/8/202618.85 EUR
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7/6/202618.85 EUR
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6/24/202618.90 EUR
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6/4/202618.85 EUR
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5/29/202618.80 EUR
5/28/202618.95 EUR
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4/2/202619.90 EUR
4/1/202620.00 EUR
3/31/202619.50 EUR
3/30/202619.40 EUR
3/27/202619.20 EUR
3/26/202618.90 EUR
3/25/202618.70 EUR
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3/19/202618.80 EUR
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3/13/202618.90 EUR
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3/9/202618.70 EUR
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3/5/202619.10 EUR
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2/13/202618.80 EUR
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2/11/202618.93 EUR
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1/30/202618.65 EUR
1/29/202618.35 EUR
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1/2/202619.81 EUR
12/31/202520.20 EUR
12/30/202518.80 EUR
12/29/202518.70 EUR
12/23/202518.70 EUR
12/22/202518.70 EUR
12/19/202518.70 EUR
12/18/202518.90 EUR
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11/28/202519.20 EUR
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10/29/202519.61 EUR
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10/6/202519.70 EUR
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10/2/202519.70 EUR
10/1/202519.60 EUR
9/29/202519.80 EUR
9/26/202519.60 EUR
9/25/202519.20 EUR
9/24/202519.21 EUR
9/23/202519.50 EUR
9/22/202519.60 EUR
9/19/202519.70 EUR
9/18/202520.00 EUR
9/17/202519.90 EUR
9/16/202519.60 EUR
9/15/202519.60 EUR
9/12/202519.35 EUR
9/11/202519.30 EUR
9/10/202519.40 EUR
9/9/202519.90 EUR
9/8/202519.30 EUR
9/5/202519.40 EUR
9/4/202519.40 EUR
9/3/202519.40 EUR
9/2/202519.80 EUR
9/1/202519.70 EUR
8/29/202519.45 EUR
8/28/202519.90 EUR
8/27/202519.80 EUR
8/26/202520.40 EUR
8/25/202520.20 EUR
8/22/202520.40 EUR
8/21/202519.86 EUR
8/20/202519.90 EUR
8/19/202519.90 EUR
8/18/202519.50 EUR
8/15/202518.70 EUR
8/14/202518.30 EUR
8/13/202518.00 EUR
8/12/202517.98 EUR
8/11/202517.67 EUR
8/8/202517.80 EUR
8/7/202517.70 EUR
8/6/202517.70 EUR
8/5/202517.90 EUR
8/4/202517.70 EUR
8/1/202517.60 EUR
Access this data via the Eulerpool API

Renta 4 Banco Revenue, EBIT, Net Income

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  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2020
186.95 M EUR
27.44 M EUR
18.14 M EUR
Jan 1, 2021
213.20 M EUR
35.27 M EUR
25.34 M EUR
Jan 1, 2022
196.95 M EUR
29.69 M EUR
21.54 M EUR
Jan 1, 2023
223.52 M EUR
35.67 M EUR
26.13 M EUR
Jan 1, 2024
271.15 M EUR
44.86 M EUR
32.14 M EUR
Jan 1, 2025
300.55 M EUR
61.00 M EUR
42.63 M EUR
Jan 1, 2027 (e)
196.00 M EUR
45.33 M EUR
0.00 EUR
Jan 1, 2028 (e)
283.10 M EUR
65.47 M EUR
41.10 M EUR

Renta 4 Banco Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 1, 2026, 11:36 AM
 
REVENUEM EUR
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM EUR
EBITM EUR
EBIT MARGIN%
NET INCOMEM EUR
NET INCOME GROWTH%
DIV.EUR
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252027e2028e
75.0099.00121.00134.00133.00152.00153.00157.00186.00213.00196.00223.00271.00300.00196.00283.00
17.1932.0022.2210.74-0.7514.290.662.6118.4714.52-7.9813.7821.5210.70-34.6744.39
54.6754.5554.5550.7552.6351.9752.2957.3251.0855.8756.1258.3056.0959.3359.3359.33
41.0054.0066.0068.0070.0079.0080.0090.0095.00119.00110.00130.00152.00178.00116.29167.91
10.0015.0020.0021.0017.0023.0021.0025.0027.0035.0029.0035.0044.0060.0045.0065.00
13.3315.1516.5315.6712.7815.1313.7315.9214.5216.4314.8015.7016.2420.0022.9622.97
5.0011.0013.0014.0012.0016.0016.0017.0018.0025.0021.0026.0032.0042.0041.00
25.00120.0018.187.69-14.2933.336.255.8838.89-16.0023.8123.0831.25
0.080.100.080.240.140.290.320.280.320.610.350.500.610.710.83
-30.0042.86-20.00200.00-41.67107.1410.34-12.5090.62-42.6240.0024.4916.3916.90
41.7041.7040.7740.3740.6340.6040.5740.5940.6040.6240.6240.6840.6940.6940.6940.69
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Renta 4 Banco 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 Renta 4 Banco 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 Renta 4 Banco'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 Renta 4 Banco 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 Renta 4 Banco'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.

Renta 4 Banco stock margins

The Renta 4 Banco margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Renta 4 Banco. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Renta 4 Banco.
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Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2020
51.00 %
14.68 %
9.70 %
Jan 1, 2021
55.99 %
16.54 %
11.88 %
Jan 1, 2022
55.92 %
15.08 %
10.94 %
Jan 1, 2023
58.33 %
15.96 %
11.69 %
Jan 1, 2024
56.26 %
16.54 %
11.85 %
Jan 1, 2025
59.31 %
20.29 %
14.18 %
Jan 1, 2027 (e)
59.31 %
23.13 %
0.00 %
Jan 1, 2028 (e)
59.31 %
23.13 %
14.52 %

Renta 4 Banco Stock Revenue, EBIT, Earnings per Share

The Renta 4 Banco earnings per share therefore indicates how much revenue Renta 4 Banco has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2020
4.60 EUR
0.68 EUR
0.45 EUR
Jan 1, 2021
5.25 EUR
0.87 EUR
0.62 EUR
Jan 1, 2022
4.85 EUR
0.73 EUR
0.53 EUR
Jan 1, 2023
5.49 EUR
0.88 EUR
0.64 EUR
Jan 1, 2024
6.66 EUR
1.10 EUR
0.79 EUR
Jan 1, 2025
7.39 EUR
1.50 EUR
1.05 EUR
Jan 1, 2027 (e)
4.82 EUR
1.11 EUR
0.00 EUR
Jan 1, 2028 (e)
6.96 EUR
1.61 EUR
1.01 EUR

Renta 4 Banco business model & stock analysis

Renta 4 Banco SA is a bank based in Madrid, founded in 1986. The bank specializes in securities and investment fund brokerage and also offers banking services such as loans and accounts. Renta 4 Banco SA's business model is based on providing financial services based on technology, innovation, and customer service. The company aims to offer its customers a wide and diversified investment portfolio and innovative financial products. Renta 4 Banco SA is known for its advanced online platform, where customers can easily and safely buy and sell securities and funds. Renta 4 Banco SA is divided into five main divisions: asset management, brokerage, fund business, corporate finance, and underwriting. In asset management, Renta 4 Banco SA helps its customers manage their assets through individual financial planning and investment management. The bank also offers specialized asset management services for real estate, art, and other alternative assets. In the brokerage area, Renta 4 Banco SA specializes in securities brokerage, stock options, futures, and other financial instruments. The bank has a strong presence in the Spanish and Portuguese markets and also works internationally with institutions. In the fund business division, Renta 4 Banco SA offers a wide range of investment funds, including actively managed funds, index trackers, and alternative investment strategies. Corporate finance is another important pillar of Renta 4 Banco SA's business model. The bank offers a variety of financing solutions for companies, including debt and equity financing, mergers and acquisitions, and capital raising. Finally, Renta 4 Banco SA is also involved in underwriting. The bank assists companies in conducting issuances, including IPOs and bond issuances. Overall, Renta 4 Banco SA offers a wide range of financial products and services for individual customers, institutional investors, companies, and governments. The bank is known for its technological innovation and commitment to customer orientation.

Renta 4 Banco SWOT Analysis

Strengths

Renta 4 Banco SA has a strong market position as a leading financial institution in its target market.

The company has a diverse range of financial products and services, including investment banking, asset management, and brokerage services, which allows it to cater to a wide customer base.

Renta 4 Banco SA has a robust technology infrastructure that enables efficient and secure transactions, providing convenience to its customers.

Weaknesses

The company faces intense competition from other banks and financial institutions in the market, which puts pressure on its market share and profitability.

Renta 4 Banco SA may face challenges in expanding its presence in international markets due to regulatory complexities and differing market conditions.

The company's reliance on investment income exposes it to market volatility and potential losses.

Opportunities

The growing demand for investment and wealth management services presents an opportunity for Renta 4 Banco SA to expand its customer base and increase its revenue.

The company can leverage technological advancements to offer innovative financial solutions, enhancing customer experience and attracting new clients.

Entering emerging markets with untapped potential can provide Renta 4 Banco SA with new business opportunities and diversify its revenue streams.

Threats

The ongoing regulatory changes in the financial industry pose a threat to Renta 4 Banco SA's operations and may require significant adaptations to comply with new regulations.

Economic recessions or downturns can adversely affect the company's financial performance and reduce customer willingness to invest or seek financial services.

Technological disruptions or cybersecurity breaches can compromise the company's systems and erode customer trust.

Renta 4 Banco Eulerpool Fair Value

Details

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.

Renta 4 Banco historical P/E ratio, EBIT multiple, and P/S ratio

Renta 4 Banco 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.

Renta 4 Banco shares outstanding

The number of shares of Renta 4 Banco was 40.69 M in 2025. This indicates how many shares Renta 4 Banco is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
40.60 M Stocks
Jan 1, 2021
40.62 M Stocks
Jan 1, 2022
40.62 M Stocks
Jan 1, 2023
40.68 M Stocks
Jan 1, 2024
40.69 M Stocks
Jan 1, 2025
40.69 M Stocks
Jan 1, 2027 (e)
40.69 M Stocks
Jan 1, 2028 (e)
40.69 M Stocks

Renta 4 Banco stock splits

In Renta 4 Banco's history, there have been no stock splits.

Renta 4 Banco Dividend History

17 years of dividend payments · 2 consecutive increases

YearAnnual DividendYoY ChangePayments
20250.61EUR 23.2%
Apr 4, 20250.16EUR 57.3%1/2
Nov 3, 20250.45EUR 181.3%2/2
20240.50EUR 41.4%
20230.35EUR 42.6%
20220.61EUR 88.9%
20210.32EUR 15.3%
20190.28EUR 12.5%
20180.32EUR 8.8%
20170.29EUR 108.7%
20160.14EUR 40.2%
20150.24EUR 180.4%

Renta 4 Banco dividend history and estimates

In 2025, Renta 4 Banco paid a dividend amounting to 0.61 EUR. Dividend means that Renta 4 Banco distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Special dividend
Jan 1, 2019
0.28 EUR
0.00 EUR
0.00 EUR
Jan 1, 2021
0.32 EUR
0.00 EUR
0.00 EUR
Jan 1, 2022
0.61 EUR
0.00 EUR
0.00 EUR
Jan 1, 2023
0.35 EUR
0.00 EUR
0.00 EUR
Jan 1, 2024
0.50 EUR
0.00 EUR
0.00 EUR
Jan 1, 2025
0.61 EUR
0.00 EUR
0.00 EUR
Jan 1, 2027 (e)
0.00 EUR
0.71 EUR
0.00 EUR
Jan 1, 2028 (e)
0.00 EUR
0.83 EUR
0.00 EUR

Renta 4 Banco dividend payout ratio

In 2025, Renta 4 Banco had a payout ratio of 58.23%. The payout ratio indicates the percentage of the company's profits that Renta 4 Banco distributes as dividends.
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Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
58.47 %
Jan 1, 2021
51.77 %
Jan 1, 2022
115.03 %
Jan 1, 2023
54.50 %
Jan 1, 2024
62.68 %
Jan 1, 2025
58.23 %
Jan 1, 2027 (e)
58.47 %
Jan 1, 2028 (e)
82.47 %
Price targets and forecasts for Renta 4 Banco are not yet available.

Renta 4 Banco shareholder structure

% Name
0.92890%
Avantage Capital EAFI, SL
Avantage Capital EAFI, SL
0.00628%
Dimensional Fund Advisors, L.P.
Dimensional Fund Advisors, L.P.
0.00397%
Dimensional Fund Advisors, Ltd.
Dimensional Fund Advisors, Ltd.

Renta 4 Banco Beneficial Ownership Filings (SEC 13D/G)

Free Float
27.3%
Float Shares
-
Shares Outstanding
-

Renta 4 Banco Executives and Management Board

JD

Mr. Juan Carlos Ureta Domingo

(68)

Executive Chairman of the Board · since 1999

Compensation901,000.00 EUR
JG

Mr. Juan Luis Lopez Garcia

Chief Executive Officer, Executive Director

Compensation827,000.00 EUR
JG

Mr. Jesus Sanchez-Quinones Gonzalez

Executive Director · since 2000

Compensation827,000.00 EUR
SE

Mr. Santiago Gonzalez Enciso

Executive Director · since 1999

Compensation286,000.00 EUR
PM

Mr. Pedro Angel Navarro Martinez

Vice Chairman of the Board, Other External Director · since 2018

Compensation100,000.00 EUR

Frequently asked questions about Renta 4 Banco

Renta 4 Banco SA operates as a financial institution providing various services in the banking and financial sector. The company's business model focuses on offering investment banking, asset management, brokerage, and insurance services. Renta 4 Banco SA aims to cater to both individual and corporate clients, providing them with personalized financial solutions and trade execution services. The company distinguishes itself by maintaining a robust online platform, enabling seamless access to investment opportunities and an extensive range of financial products. Renta 4 Banco SA aims to deliver superior customer service and maintain a strong presence in the financial market.

All fundamentals and in-depth analysis of Renta 4 Banco

Our stock analysis for Renta 4 Banco 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 Renta 4 Banco. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.