Bankinter, S.A. BKT.MC
Financial Services · Banks - Regional · Spain · IBEX 35
Based on the available data, Bankinter, S.A. gets an algorithmic score of 66/100. It trades at 16.34 €, with a bullish technical trend (RSI 44.6) and 23.1% annual volatility.
Updated: 2026-09-30
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Strengths
- High net margin (40.8%): pricing power / competitive advantage.
- Sustained revenue growth (11.4% compound annual).
- Low valuation (P/E 11.2).
- Meaningful dividend (4.69%).
Weaknesses
- Negative free cash flow.
Fundamentals
| P/E | 13.40 |
| Forward P/E | 11.22 |
| PEG | 10.15 |
| P/B | 2.19 |
| P/S | 5.19 |
| ROE % | 17.86 |
| ROA % | 0.85 |
| Gross margin % | 0.00 |
| Operating margin % | 60.21 |
| Net margin % | 40.77 |
| Revenue growth % (y/y) | 9.40 |
| Earnings growth % (y/y) | 13.80 |
| Revenue CAGR % | 11.41 |
| Earnings CAGR % | 24.84 |
| FCF yield % | -5.22 |
| Dividend yield % | 4.69 |
| Payout % | 50.17 |
Returns
| 1 month | -1.6 % |
| 3 months | +8.4 % |
| 6 months | +21.1 % |
| YTD | +15.4 % |
| 1 year | +23.9 % |
| 3 years | +219.4 % |
| 5 years | +359.7 % |
| 10 years | +452.1 % |
Risk
| 1-year volatility | 23.1 % |
| Beta | 1.07 |
| 5-year max drawdown | -30.9 % |
| Sharpe 1A | 0.87 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a Spanish company, it depends on ECB policy, the Spanish risk premium, the eurozone cycle and, if it operates in Latin America, on emerging-market currencies (BRL, MXN).
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.