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

BIT:1BKT • ES0113679I37

Current stock price

13.54 EUR
-0.05 (-0.37%)
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

  • In the past year 1BKT was profitable.
  • 1BKT had a negative operating cash flow in the past year.
  • In the past 5 years 1BKT has always been profitable.
  • In multiple years 1BKT reported negative operating cash flow during the last 5 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

  • Looking at the Return On Assets, with a value of 1.21%, 1BKT is in the better half of the industry, outperforming 76.19% of the companies in the same industry.
  • 1BKT has a better Return On Equity (24.78%) than 96.19% of its industry peers.
Industry RankSector Rank
ROA 1.21%
ROE 24.78%
ROIC N/A
ROA(3y)0.76%
ROA(5y)0.81%
ROE(3y)15.79%
ROE(5y)17.25%
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

  • Looking at the Profit Margin, with a value of 30.22%, 1BKT is in the better half of the industry, outperforming 76.19% of the companies in the same industry.
  • 1BKT's Profit Margin has improved 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) 30.22%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.76%
PM growth 5Y12.39%
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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0

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.
  • 1BKT has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, 1BKT has about the same amount of shares outstanding.
  • Compared to 1 year ago, 1BKT has a worse debt to assets ratio.
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/Equity ratio of 6.65. This is a high value indicating a heavy dependency on external financing.
  • 1BKT has a Debt to Equity ratio of 6.65. This is amonst the worse of the industry: 1BKT underperforms 96.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.65
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.42%
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

5

3. 1BKT.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 12.50% over the past year.
  • Measured over the past years, 1BKT shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.04% on average per year.
  • The Revenue has been growing slightly by 5.07% in the past year.
  • 1BKT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.02% yearly.
EPS 1Y (TTM)12.5%
EPS 3Y24.31%
EPS 5Y28.04%
EPS Q2Q%25%
Revenue 1Y (TTM)5.07%
Revenue growth 3Y13.32%
Revenue growth 5Y13.02%
Sales Q2Q%-52.67%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.37% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 6.04% on average over the next years.
EPS Next Y11.41%
EPS Next 2Y9.25%
EPS Next 3Y6.35%
EPS Next 5Y8.37%
Revenue Next Year7.79%
Revenue Next 2Y6.71%
Revenue Next 3Y6.34%
Revenue Next 5Y6.04%

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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4

4. 1BKT.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.57, which indicates a very decent valuation of 1BKT.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1BKT is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 27.87, 1BKT is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.39, the valuation of 1BKT can be described as very reasonable.
  • 67.62% of the companies in the same industry are more expensive than 1BKT, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.51, 1BKT is valued rather cheaply.
Industry RankSector Rank
PE 11.57
Fwd PE 10.39
1BKT.MI Price Earnings VS Forward Price Earnings1BKT.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1BKT.MI Per share data1BKT.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

4.3 Compensation for Growth

  • 1BKT's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.01
PEG (5Y)0.41
EPS Next 2Y9.25%
EPS Next 3Y6.35%

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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 3.44%.
  • 1BKT's Dividend Yield is slightly below the industry average, which is at 4.56.
  • Compared to an average S&P500 Dividend Yield of 1.82, 1BKT pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.44%

5.2 History

  • On average, the dividend of 1BKT grows each year by 42.55%, which is quite nice.
Dividend Growth(5Y)42.55%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 32.53% of the earnings are spent on dividend by 1BKT. This is a low number and sustainable payout ratio.
  • The dividend of 1BKT is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP32.53%
EPS Next 2Y9.25%
EPS Next 3Y6.35%
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 (4/2/2026, 7:00:00 PM)

13.54

-0.05 (-0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners44.87%
Inst Owner ChangeN/A
Ins Owners5.55%
Ins Owner ChangeN/A
Market Cap12.17B
Revenue(TTM)5.26B
Net Income(TTM)1.59B
Analysts66.43
Price Target15.32 (13.15%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.44%
Yearly Dividend0.57
Dividend Growth(5Y)42.55%
DP32.53%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.05%
Min EPS beat(2)-7.5%
Max EPS beat(2)3.4%
EPS beat(4)3
Avg EPS beat(4)5.59%
Min EPS beat(4)-7.5%
Max EPS beat(4)17.4%
EPS beat(8)5
Avg EPS beat(8)3.12%
EPS beat(12)7
Avg EPS beat(12)2.09%
EPS beat(16)10
Avg EPS beat(16)2.27%
Revenue beat(2)1
Avg Revenue beat(2)-0.71%
Min Revenue beat(2)-1.71%
Max Revenue beat(2)0.28%
Revenue beat(4)3
Avg Revenue beat(4)3.71%
Min Revenue beat(4)-1.71%
Max Revenue beat(4)12%
Revenue beat(8)7
Avg Revenue beat(8)37.38%
Revenue beat(12)11
Avg Revenue beat(12)52.4%
Revenue beat(16)15
Avg Revenue beat(16)60.22%
PT rev (1m)7.82%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.53%
EPS NY rev (1m)0.31%
EPS NY rev (3m)7.1%
Revenue NQ rev (1m)0.43%
Revenue NQ rev (3m)2.03%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)3.32%
Valuation
Industry RankSector Rank
PE 11.57
Fwd PE 10.39
P/S 2.32
P/FCF N/A
P/OCF N/A
P/B 1.9
P/tB 2.01
EV/EBITDA N/A
EPS(TTM)1.17
EY8.64%
EPS(NY)1.3
Fwd EY9.63%
FCF(TTM)-0.85
FCFYN/A
OCF(TTM)-0.67
OCFYN/A
SpS5.85
BVpS7.13
TBVpS6.72
PEG (NY)1.01
PEG (5Y)0.41
Graham Number13.703 (1.2%)
Profitability
Industry RankSector Rank
ROA 1.21%
ROE 24.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.22%
GM N/A
FCFM N/A
ROA(3y)0.76%
ROA(5y)0.81%
ROE(3y)15.79%
ROE(5y)17.25%
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 3Y8.76%
PM growth 5Y12.39%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 6.65
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 185.64%
Cap/Sales 3.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.42%
ROIC/WACCN/A
Cap/Depr(3y)156.18%
Cap/Depr(5y)129.05%
Cap/Sales(3y)3.98%
Cap/Sales(5y)3.59%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.5%
EPS 3Y24.31%
EPS 5Y28.04%
EPS Q2Q%25%
EPS Next Y11.41%
EPS Next 2Y9.25%
EPS Next 3Y6.35%
EPS Next 5Y8.37%
Revenue 1Y (TTM)5.07%
Revenue growth 3Y13.32%
Revenue growth 5Y13.02%
Sales Q2Q%-52.67%
Revenue Next Year7.79%
Revenue Next 2Y6.71%
Revenue Next 3Y6.34%
Revenue Next 5Y6.04%
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 1Y-142.82%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-130.85%
OCF growth 3YN/A
OCF growth 5YN/A

BANKINTER SA / 1BKT.MI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BANKINTER SA?

ChartMill assigns a fundamental rating of 3 / 10 to 1BKT.MI.


Can you provide the valuation status for BANKINTER SA?

ChartMill assigns a valuation rating of 4 / 10 to BANKINTER SA (1BKT.MI). This can be considered as Fairly Valued.


Can you provide the profitability details for BANKINTER SA?

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


Can you provide the financial health for 1BKT stock?

The financial health rating of BANKINTER SA (1BKT.MI) is 0 / 10.


What is the expected EPS growth for BANKINTER SA (1BKT.MI) stock?

The Earnings per Share (EPS) of BANKINTER SA (1BKT.MI) is expected to grow by 11.41% in the next year.