BANKINTER SA (1BKT.MI) Fundamental Analysis & Valuation

BIT:1BKT • ES0113679I37

Current stock price

13.59 EUR
-0.16 (-1.16%)
Last:

This 1BKT.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. 1BKT.MI Profitability Analysis

1.1 Basic Checks

  • 1BKT had positive earnings in the past year.
  • 1BKT had a positive operating cash flow in the past year.
  • In the past 5 years 1BKT has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: 1BKT reported negative operating cash flow in multiple years.
1BKT.MI Yearly Net Income VS EBIT VS OCF VS FCF1BKT.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B -5B

1.2 Ratios

  • 1BKT has a Return On Assets of 1.15%. This is in the better half of the industry: 1BKT outperforms 70.69% of its industry peers.
  • 1BKT has a Return On Equity of 24.44%. This is amongst the best in the industry. 1BKT outperforms 93.97% of its industry peers.
Industry RankSector Rank
ROA 1.15%
ROE 24.44%
ROIC N/A
ROA(3y)0.67%
ROA(5y)0.71%
ROE(3y)14.15%
ROE(5y)15.26%
ROIC(3y)N/A
ROIC(5y)N/A
1BKT.MI Yearly ROA, ROE, ROIC1BKT.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • 1BKT's Profit Margin of 29.41% is fine compared to the rest of the industry. 1BKT outperforms 75.00% of its industry peers.
  • 1BKT's Profit Margin has been stable in the last couple of years.
  • 1BKT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.41%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.8%
PM growth 5Y-0.96%
GM growth 3YN/A
GM growth 5YN/A
1BKT.MI Yearly Profit, Operating, Gross Margins1BKT.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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2

2. 1BKT.MI Health Analysis

2.1 Basic Checks

  • 1BKT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, 1BKT has about the same amount of shares outstanding.
  • 1BKT has about the same amout of shares outstanding than it did 5 years ago.
  • The debt/assets ratio for 1BKT is higher compared to a year ago.
1BKT.MI Yearly Shares Outstanding1BKT.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
1BKT.MI Yearly Total Debt VS Total Assets1BKT.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.2 Solvency

  • 1BKT has a debt to FCF ratio of 7.15. This is a slightly negative value and a sign of low solvency as 1BKT would need 7.15 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 7.15, 1BKT belongs to the best of the industry, outperforming 83.62% of the companies in the same industry.
  • A Debt/Equity ratio of 1.64 is on the high side and indicates that 1BKT has dependencies on debt financing.
  • 1BKT has a Debt to Equity ratio (1.64) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.64
Debt/FCF 7.15
Altman-Z N/A
ROIC/WACCN/A
WACC5.34%
1BKT.MI Yearly LT Debt VS Equity VS FCF1BKT.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1BKT.MI Yearly Current Assets VS Current Liabilites1BKT.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. 1BKT.MI Growth Analysis

3.1 Past

  • 1BKT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.50%, which is quite good.
  • Measured over the past years, 1BKT shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.01% on average per year.
  • Looking at the last year, 1BKT shows a small growth in Revenue. The Revenue has grown by 4.78% in the last year.
  • 1BKT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.93% yearly.
EPS 1Y (TTM)13.5%
EPS 3Y30.31%
EPS 5Y14.01%
EPS Q2Q%-6.9%
Revenue 1Y (TTM)4.78%
Revenue growth 3Y16.07%
Revenue growth 5Y11.93%
Sales Q2Q%-6.87%

3.2 Future

  • 1BKT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.71% yearly.
  • 1BKT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.06% yearly.
EPS Next Y13.68%
EPS Next 2Y10.34%
EPS Next 3Y8.92%
EPS Next 5Y7.71%
Revenue Next Year3.84%
Revenue Next 2Y4.72%
Revenue Next 3Y4.76%
Revenue Next 5Y5.06%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
1BKT.MI Yearly Revenue VS Estimates1BKT.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1B 2B 3B
1BKT.MI Yearly EPS VS Estimates1BKT.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1 1.5

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5

4. 1BKT.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.24, 1BKT is valued correctly.
  • 73.28% of the companies in the same industry are cheaper than 1BKT, based on the Price/Earnings ratio.
  • 1BKT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.54.
  • With a Price/Forward Earnings ratio of 10.73, the valuation of 1BKT can be described as very reasonable.
  • 1BKT's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, 1BKT is valued rather cheaply.
Industry RankSector Rank
PE 12.24
Fwd PE 10.73
1BKT.MI Price Earnings VS Forward Price Earnings1BKT.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 1BKT's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 1BKT is cheaper than 71.55% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.59
EV/EBITDA N/A
1BKT.MI Per share data1BKT.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • 1BKT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.89
PEG (5Y)0.87
EPS Next 2Y10.34%
EPS Next 3Y8.92%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. 1BKT.MI Dividend Analysis

5.1 Amount

  • 1BKT has a Yearly Dividend Yield of 3.72%. Purely for dividend investing, there may be better candidates out there.
  • 1BKT's Dividend Yield is slightly below the industry average, which is at 4.75.
  • Compared to an average S&P500 Dividend Yield of 1.89, 1BKT pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.72%

5.2 History

  • The dividend of 1BKT is nicely growing with an annual growth rate of 42.55%!
Dividend Growth(5Y)42.55%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 1BKT pays out 33.67% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of 1BKT is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP33.67%
EPS Next 2Y10.34%
EPS Next 3Y8.92%
1BKT.MI Yearly Income VS Free CF VS Dividend1BKT.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B -5B
1BKT.MI Dividend Payout.1BKT.MI Dividend Payout, showing the Payout Ratio.1BKT.MI Dividend Payout.PayoutRetained Earnings

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1BKT.MI Fundamentals: All Metrics, Ratios and Statistics

BANKINTER SA

BIT:1BKT (3/5/2026, 7:00:00 PM)

13.59

-0.16 (-1.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners45.53%
Inst Owner ChangeN/A
Ins Owners5.57%
Ins Owner ChangeN/A
Market Cap12.22B
Revenue(TTM)3.37B
Net Income(TTM)1.52B
Analysts65.71
Price Target15.36 (13.02%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.72%
Yearly Dividend0.57
Dividend Growth(5Y)42.55%
DP33.67%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.24%
Min EPS beat(2)9.07%
Max EPS beat(2)17.4%
EPS beat(4)3
Avg EPS beat(4)7.01%
Min EPS beat(4)-0.99%
Max EPS beat(4)17.4%
EPS beat(8)4
Avg EPS beat(8)1.12%
EPS beat(12)7
Avg EPS beat(12)1.64%
EPS beat(16)11
Avg EPS beat(16)5.22%
Revenue beat(2)2
Avg Revenue beat(2)8.13%
Min Revenue beat(2)4.25%
Max Revenue beat(2)12%
Revenue beat(4)4
Avg Revenue beat(4)37.22%
Min Revenue beat(4)4.25%
Max Revenue beat(4)124.26%
Revenue beat(8)8
Avg Revenue beat(8)57.09%
Revenue beat(12)12
Avg Revenue beat(12)64.75%
Revenue beat(16)16
Avg Revenue beat(16)63.43%
PT rev (1m)0%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.78%
EPS NY rev (1m)0%
EPS NY rev (3m)0.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.13%
Valuation
Industry RankSector Rank
PE 12.24
Fwd PE 10.73
P/S 2.37
P/FCF 8.59
P/OCF 7.74
P/B 1.97
P/tB 2.07
EV/EBITDA N/A
EPS(TTM)1.11
EY8.17%
EPS(NY)1.27
Fwd EY9.32%
FCF(TTM)1.58
FCFY11.65%
OCF(TTM)1.76
OCFY12.92%
SpS5.74
BVpS6.91
TBVpS6.55
PEG (NY)0.89
PEG (5Y)0.87
Graham Number13.14
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 24.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.41%
GM N/A
FCFM 27.56%
ROA(3y)0.67%
ROA(5y)0.71%
ROE(3y)14.15%
ROE(5y)15.26%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.8%
PM growth 5Y-0.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.64
Debt/FCF 7.15
Debt/EBITDA N/A
Cap/Depr 174.21%
Cap/Sales 3.01%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 93.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.34%
ROIC/WACCN/A
Cap/Depr(3y)124.37%
Cap/Depr(5y)114.86%
Cap/Sales(3y)3.4%
Cap/Sales(5y)3.55%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.5%
EPS 3Y30.31%
EPS 5Y14.01%
EPS Q2Q%-6.9%
EPS Next Y13.68%
EPS Next 2Y10.34%
EPS Next 3Y8.92%
EPS Next 5Y7.71%
Revenue 1Y (TTM)4.78%
Revenue growth 3Y16.07%
Revenue growth 5Y11.93%
Sales Q2Q%-6.87%
Revenue Next Year3.84%
Revenue Next 2Y4.72%
Revenue Next 3Y4.76%
Revenue Next 5Y5.06%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y117.21%
FCF growth 3Y-36.47%
FCF growth 5Y175.9%
OCF growth 1Y119.28%
OCF growth 3Y-34.94%
OCF growth 5Y65.47%

BANKINTER SA / 1BKT.MI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BANKINTER SA?

ChartMill assigns a fundamental rating of 4 / 10 to 1BKT.MI.


Can you provide the valuation status for BANKINTER SA?

ChartMill assigns a valuation rating of 5 / 10 to BANKINTER SA (1BKT.MI). This can be considered as Fairly Valued.


What is the profitability of 1BKT stock?

BANKINTER SA (1BKT.MI) has a profitability rating of 4 / 10.


What are the PE and PB ratios of BANKINTER SA (1BKT.MI) stock?

The Price/Earnings (PE) ratio for BANKINTER SA (1BKT.MI) is 12.24 and the Price/Book (PB) ratio is 1.97.


Can you provide the financial health for 1BKT stock?

The financial health rating of BANKINTER SA (1BKT.MI) is 2 / 10.