1BKT Fundamental Analysis - BANKINTER SA

Fundamental Rating

Overall 1BKT gets a fundamental rating of 4 out of 10. We evaluated 1BKT against 96 industry peers in the Banks industry. While 1BKT is still in line with the averages on profitability rating, there are concerns on its financial health. 1BKT has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

1BKT had positive earnings in the past year.

In the past year 1BKT had a positive cash flow from operations.

In the past 5 years 1BKT has always been profitable.

Of the past 5 years 1BKT 4 years had a positive operating cash flow.

1.2 Ratios

1BKT has a Return On Assets of 1.15%. This is amongst the best in the industry. 1BKT outperforms 80.21% of its industry peers.

1BKT has a Return On Equity of 24.44%. This is amongst the best in the industry. 1BKT outperforms 97.92% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

The Profit Margin of 1BKT (29.41%) is better than 78.13% of its industry peers.

1BKT's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for 1BKT so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

1BKT does not have a ROIC to compare to the WACC, probably because it is not profitable.

1BKT has about the same amout of shares outstanding than it did 1 year ago.

The number of shares outstanding for 1BKT remains at a similar level compared to 5 years ago.

The debt/assets ratio for 1BKT is higher compared to a year ago.

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.

1BKT has a Debt to FCF ratio of 7.15. This is amongst the best in the industry. 1BKT outperforms 86.46% of its industry peers.

A Debt/Equity ratio of 1.64 is on the high side and indicates that 1BKT has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 1.64, 1BKT is in the better half of the industry, outperforming 61.46% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.64
Debt/FCF	7.15
Altman-Z	N/A

ROIC/WACCN/A

WACC4.97%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

1BKT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.74%, which is quite good.

1BKT shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.01% yearly.

Looking at the last year, 1BKT shows a small growth in Revenue. The Revenue has grown by 4.62% in the last year.

Measured over the past years, 1BKT shows a quite strong growth in Revenue. The Revenue has been growing by 11.93% on average per year.

EPS 1Y (TTM)16.74%

EPS 3Y30.31%

EPS 5Y14.01%

EPS Q2Q%3.45%

Revenue 1Y (TTM)4.62%

Revenue growth 3Y16.07%

Revenue growth 5Y11.93%

Sales Q2Q%-54.82%

3.2 Future

Based on estimates for the next years, 1BKT will show a small growth in Earnings Per Share. The EPS will grow by 6.33% on average per year.

1BKT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.02% yearly.

EPS Next Y12.9%

EPS Next 2Y8.25%

EPS Next 3Y7.12%

EPS Next 5Y6.33%

Revenue Next Year3.7%

Revenue Next 2Y3.81%

Revenue Next 3Y4.01%

Revenue Next 5Y3.02%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

1BKT is valuated reasonably with a Price/Earnings ratio of 11.62.

69.79% of the companies in the same industry are cheaper than 1BKT, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 27.38. 1BKT is valued rather cheaply when compared to this.

1BKT is valuated reasonably with a Price/Forward Earnings ratio of 10.78.

1BKT's Price/Forward Earnings ratio is in line with the industry average.

1BKT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.86.

		Industry Rank	Sector Rank
PE	11.62
Fwd PE	10.78

4.2 Price Multiples

76.04% of the companies in the same industry are more expensive than 1BKT, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	8.3
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.9

PEG (5Y)0.83

EPS Next 2Y8.25%

EPS Next 3Y7.12%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.26%, 1BKT has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 4.91, 1BKT is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.38, 1BKT pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.26%

5.2 History

The dividend of 1BKT is nicely growing with an annual growth rate of 11.81%!

Dividend Growth(5Y)11.81%

Div Incr YearsN/A

Div Non Decr YearsN/A

5.3 Sustainability

33.67% of the earnings are spent on dividend by 1BKT. This is a low number and sustainable payout ratio.

1BKT's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP33.67%

EPS Next 2Y8.25%

EPS Next 3Y7.12%

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BANKINTER SA

BIT:1BKT (9/15/2025, 7:00:00 PM)

13.135

+13.14 (+Infinity%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/bmo

Earnings (Next)10-16 2025-10-16

Inst Owners37.41%

Inst Owner ChangeN/A

Ins Owners5.9%

Ins Owner ChangeN/A

Market Cap11.81B

Analysts55.56

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.26%

Yearly Dividend0.51

Dividend Growth(5Y)11.81%

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)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	11.62
Fwd PE	10.78
P/S	2.29
P/FCF	8.3
P/OCF	7.48
P/B	1.9
P/tB	2.01
EV/EBITDA	N/A

EPS(TTM)1.13

EY8.6%

EPS(NY)1.22

Fwd EY9.28%

FCF(TTM)1.58

FCFY12.05%

OCF(TTM)1.76

OCFY13.37%

SpS5.74

BVpS6.91

TBVpS6.55

PEG (NY)0.9

PEG (5Y)0.83

Profitability

		Industry Rank	Sector 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

ROICexcg growth 3YN/A

ROICexcg 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 Rank	Sector 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

WACC4.97%

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)16.74%

EPS 3Y30.31%

EPS 5Y14.01%

EPS Q2Q%3.45%

EPS Next Y12.9%

EPS Next 2Y8.25%

EPS Next 3Y7.12%

EPS Next 5Y6.33%

Revenue 1Y (TTM)4.62%

Revenue growth 3Y16.07%

Revenue growth 5Y11.93%

Sales Q2Q%-54.82%

Revenue Next Year3.7%

Revenue Next 2Y3.81%

Revenue Next 3Y4.01%

Revenue Next 5Y3.02%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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