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Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers payroll, pension, business, salary, non-salary, youth salary, current, currency, and management accounts; deposit products; mortgages and loan products; personal, auto, equipment, tax repayment, and various financing services; and finance leasing services. The company also provides saving and investment products, including profiled funds, sustainable investment funds, various investment funds, other managers funds, protected funds, and themed funds; regular investment plans; and investment advisory, wealth management, and alternative investment products and services. In addition, it offers home, life, funeral, health, and motor; business multi-risk, general and business liability, executives' liability, construction, and machinery and equipment; and property, personal, and pension scheme insurance products and services. Further, the company provides various services, such as estate administration, switch, debit management, accounts management, and transfer services, as well as real estate and brokerage services. Additionally, it offers retail, personal, private, and corporate banking products, as well as remote banking services. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990. Bankinter, S.A. was incorporated in 1965 and is based in Madrid, Spain.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Bankinter S.A. is a Spanish commercial bank providing retail, corporate and private banking plus asset management, insurance and digital banking through subsidiaries including Openbank. Long-term growth drivers include digital customer acquisition, diversification into fee-generating services and exposure to mortgage and consumer lending markets in Spain and Portugal, which may benefit from scale and margin support. Investors may find the company attractive for its diversified revenue mix and focus on digital efficiency and fee-based growth.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 785.04M | 536.71M | 230.54M | 741.40M | 721.09M |
| Minority interest | - | - | 0.00M | 0.00M | 0.00M |
| Net income | 560.20M | 1333.11M | 317.12M | 550.66M | 526.40M |
| Selling general administrative | 409.18M | 302.63M | 306.59M | 413.37M | 403.95M |
| Selling and marketing expenses | 36.77M | 36.48M | - | 104.94M | 105.06M |
| Gross profit | 2231.57M | 2002.21M | 1846.01M | 2167.29M | 2049.23M |
| Reconciled depreciation | 80.09M | 77.79M | 75.58M | 80.94M | 61.79M |
| Ebit | 785.04M | 1472.38M | 373.54M | 741.40M | 721.09M |
| Ebitda | 865.13M | 1550.17M | 449.11M | 822.35M | 782.89M |
| Depreciation and amortization | 80.09M | 77.79M | 75.58M | 80.94M | 61.79M |
| Non operating income net other | - | - | - | - | 0.00M |
| Operating income | 785.04M | 1472.38M | 373.54M | 741.40M | 721.09M |
| Other operating expenses | 1208.92M | 1082.30M | 1099.95M | 1324.21M | 1255.95M |
| Interest expense | 230.88M | 171.07M | 138.75M | 200.95M | 226.17M |
| Tax provision | 224.84M | 139.28M | 56.41M | 190.74M | 194.69M |
| Interest income | 1767.61M | 1446.35M | 1385.74M | 1495.54M | 1406.37M |
| Net interest income | 1536.72M | 1275.28M | 1247.00M | 1190.64M | 1094.28M |
| Extraordinary items | - | - | - | - | 0.00M |
| Non recurring | - | - | - | - | 0.00M |
| Other items | - | - | - | - | 0.00M |
| Income tax expense | 224.84M | 139.28M | 56.41M | 190.74M | 194.69M |
| Total revenue | 2231.57M | 2002.21M | 1846.01M | 2167.29M | 2049.23M |
| Total operating expenses | 1208.92M | 1082.30M | 1099.95M | 1324.21M | 1255.95M |
| Cost of revenue | - | - | - | - | 0.00M |
| Total other income expense net | -0.00M | -935.67M | -143.00M | -38.69M | -79.47M |
| Discontinued operations | - | 935.67M | 143.00M | 101.75M | 101.75M |
| Net income from continuing ops | 560.20M | 397.43M | 174.13M | 550.66M | 526.40M |
| Net income applicable to common shares | - | 1333.11M | 317.12M | 538.59M | 513.88M |
| Preferred stock and other adjustments | - | - | - | - | 0.00M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 113011.64M | 107507.03M | 107584.11M | 96252.09M | 83732.35M |
| Intangible assets | 299.74M | 276.66M | 267.41M | 255.80M | 227.82M |
| Other current assets | 16928.31M | - | 106.18M | 1708.41M | 5341.06M |
| Total liab | 107688.70M | 102602.06M | 102731.95M | 91287.94M | 78932.38M |
| Total stockholder equity | 5322.94M | 4904.97M | 4852.16M | 4964.16M | 4799.97M |
| Other current liab | 469.51M | -671.87M | -317.58M | -327.44M | -291.12M |
| Common stock | 269.66M | 269.66M | 269.66M | 269.66M | 269.66M |
| Capital stock | 269.66M | 269.66M | 269.66M | 269.66M | 269.66M |
| Retained earnings | 5495.08M | 4966.96M | 4639.96M | 3368.26M | 3313.55M |
| Other liab | - | - | 2933.67M | 2653.22M | 2128.17M |
| Good will | 2.28M | 2.28M | 2.28M | 2.28M | 164.11M |
| Other assets | -32198.90M | 76264.51M | 70929.02M | 67988.27M | 63072.19M |
| Cash | 16106.26M | 13351.22M | 24024.90M | 16069.24M | 7403.30M |
| Total current liabilities | 1580.55M | 671.87M | 317.58M | 327.44M | 291.12M |
| Current deferred revenue | -711.32M | - | - | - | - |
| Net debt | -16106.26M | -6918.12M | -16288.48M | -8497.26M | 236.22M |
| Short term debt | 8586.25M | - | - | - | - |
| Short long term debt total | 20138.04M | 6433.09M | 7736.42M | 7571.99M | 7639.52M |
| Other stockholder equity | -441.80M | -331.64M | -57.46M | 1326.24M | 1216.76M |
| Property plant equipment | - | 447.85M | 450.44M | 455.07M | 533.96M |
| Total current assets | 19082.79M | 13476.86M | 24143.97M | 16165.87M | 7588.33M |
| Long term investments | 14662.90M | 17038.87M | 14903.25M | 11925.60M | 12658.14M |
| Net tangible assets | - | 4626.03M | 4582.48M | 4706.08M | 4408.03M |
| Short term investments | -13951.79M | - | - | - | - |
| Net receivables | 146.84M | 125.64M | 119.08M | 96.62M | 185.03M |
| Long term debt | - | - | - | - | 7688.41M |
| Inventory | 12706.86M | - | 106.18M | 1708.41M | 192.92M |
| Accounts payable | 711.32M | 671.87M | 317.58M | 327.44M | 291.12M |
| Accumulated other comprehensive income | -102.56M | - | - | - | - |
| Non currrent assets other | -15389.09M | -17765.66M | -12511.11M | -12097.95M | -13071.83M |
| Non current assets total | 126127.75M | 17765.66M | 12511.11M | 12097.95M | 13071.83M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Investments | -44.23M | -234.05M | -63.91M | 0.23M | 0.52M |
| Change to liabilities | - | 0.00M | 0.00M | 0.00M | 0.00M |
| Total cashflows from investing activities | - | -234.05M | -63.91M | -120.86M | 1309.58M |
| Net borrowings | - | -500.00M | 550.00M | 310.00M | -297.25M |
| Total cash from financing activities | -105.81M | -752.85M | 341.85M | 219.82M | -562.44M |
| Change to operating activities | - | -8935.91M | 8001.84M | 3975.58M | -1734.81M |
| Net income | 844.79M | 560.20M | 1333.11M | 317.12M | 550.66M |
| Change in cash | 508.38M | -9021.87M | 7328.77M | 8637.27M | 903.62M |
| Begin period cash flow | 13351.22M | 22373.09M | 15044.32M | 6407.05M | 5503.43M |
| End period cash flow | 13859.59M | 13351.22M | 22373.09M | 15044.32M | 6407.05M |
| Total cash from operating activities | 658.42M | -8034.98M | 7050.83M | 8538.31M | 156.47M |
| Issuance of capital stock | 79.15M | 84.10M | 51.45M | 56.58M | 52.38M |
| Depreciation | 82.07M | 80.09M | 77.79M | 75.58M | 80.94M |
| Other cashflows from investing activities | - | -144.10M | 49.56M | -34.40M | 1650.69M |
| Dividends paid | 405.83M | 252.48M | 210.77M | 87.76M | 264.66M |
| Sale purchase of stock | -79.12M | -84.47M | -48.84M | -59.00M | -52.91M |
| Other cashflows from financing activities | -44.23M | -234.05M | 750.00M | 350.00M | 1309.58M |
| Change to netincome | - | 670.98M | -622.66M | 664.00M | 310.71M |
| Capital expenditures | 90.38M | 72.25M | 67.32M | 86.68M | 145.28M |
| Change in working capital | -779.63M | -9346.24M | 6262.60M | 7481.61M | -785.85M |
| Other non cash items | 511.19M | 670.98M | -622.66M | 664.00M | 310.71M |
| Free cash flow | 568.04M | -8107.23M | 6983.51M | 8451.62M | 11.20M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| DBSDY DBS Group Holdings Ltd ADR |
0.20 0.09% |
231.02 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.36 1.07% |
33.16 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.14 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers payroll, pension, business, salary, non-salary, youth salary, current, currency, and management accounts; deposit products; mortgages and loan products; personal, auto, equipment, tax repayment, and various financing services; and finance leasing services. The company also provides saving and investment products, including profiled funds, sustainable investment funds, various investment funds, other managers funds, protected funds, and themed funds; regular investment plans; and investment advisory, wealth management, and alternative investment products and services. In addition, it offers home, life, funeral, health, and motor; business multi-risk, general and business liability, executives' liability, construction, and machinery and equipment; and property, personal, and pension scheme insurance products and services. Further, the company provides various services, such as estate administration, switch, debit management, accounts management, and transfer services, as well as real estate and brokerage services. Additionally, it offers retail, personal, private, and corporate banking products, as well as remote banking services. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990. Bankinter, S.A. was incorporated in 1965 and is based in Madrid, Spain.
| Name | Title | Year Born |
|---|---|---|
| Mr. Pedro Guerrero Guerrero | Chairman | 1953 |
| Ms. Maria Dolores Dancausa Trevino | CEO & Exec. Director | 1958 |
| Mr. Alfonso Botin-Sanz de Sautuola y Naveda | Exec. VP of Board | 1970 |
| Mr. Jacobo Diaz Garcia | Chief Financial Officer | NA |
| Mr. Iñigo Guerra Azcona | Director Gen. of Investment Banking Area, Head of Legal & Tax Division and Gen. Council | NA |
| Mr. David López Finistrosa | Director of Investor Relations | NA |
| Ms. María Paramés | Head of Employees, Corp. Communication & Quality | NA |
| Ms. Marta Centeno Robles | Director of Corp. Devel., Products & Markets | NA |
| Mr. Alfonso Ma Saez | Head of Consumer Fin. | NA |
| Mr. Julio Gabriel Zapatero Gaviria | Director Gen. & Chief Risk Officer | NA |
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