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Are You Looking for a Top Momentum Pick? Why Bankinter SA (BKNIY) is a Great Choice
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Tue 20 Aug 24, 01:40 PM| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 1535.18M | 1359.70M | 1228.84M | 785.04M | 536.71M |
| Minority interest | - | 0.00000M | 0.00000M | - | - |
| Net income | 1089.98M | 952.97M | 844.79M | 560.20M | 1333.11M |
| Selling general administrative | 461.26M | 418.22M | 271.48M | 409.18M | 302.63M |
| Selling and marketing expenses | - | 40.69M | 40.58M | 36.77M | 36.48M |
| Gross profit | 3090.18M | 3049.27M | 2913.72M | 2231.57M | 2002.21M |
| Reconciled depreciation | - | 87.45M | 82.07M | 80.09M | 77.79M |
| Ebit | 1427.66M | 1359.70M | 1228.84M | 785.04M | 1472.38M |
| Ebitda | 1535.18M | 1447.15M | 1310.91M | 865.13M | 1550.17M |
| Depreciation and amortization | 86.79M | 87.45M | 82.07M | 80.09M | 77.79M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 1535.18M | 1359.70M | 1228.84M | 785.04M | 1472.38M |
| Other operating expenses | 3183.27M | 3810.95M | 3149.10M | 1208.92M | 1082.30M |
| Interest expense | 1628.27M | 2121.38M | 1464.23M | 230.88M | 171.07M |
| Tax provision | 445.20M | 406.73M | 372.30M | 224.84M | 139.28M |
| Interest income | 3865.36M | 4399.79M | 3143.21M | 1767.61M | 1446.35M |
| Net interest income | 2237.09M | 2278.41M | 2109.93M | 1536.72M | 1275.28M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 445.20M | 406.73M | 384.05M | 224.84M | 139.28M |
| Total revenue | 4718.44M | 5170.65M | 4377.94M | 2231.57M | 2002.21M |
| Total operating expenses | 1555.00M | 1689.57M | 1684.88M | 1208.92M | 1082.30M |
| Cost of revenue | 1628.27M | 2121.38M | 1464.23M | - | - |
| Total other income expense net | -46.92874M | -452.26000M | -191.66500M | -0.00100M | -935.67500M |
| Discontinued operations | - | - | - | - | 935.67M |
| Net income from continuing ops | 1089.98M | 952.97M | 814.76M | 560.20M | 397.43M |
| Net income applicable to common shares | - | - | - | - | 1333.11M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 131018.89M | 121971.82M | 113011.64M | 107507.03M | 107584.11M |
| Intangible assets | - | 318.17M | 299.74M | 276.66M | 267.41M |
| Earning assets | - | - | - | - | - |
| Other current assets | - | - | 16928.31M | - | 106.18M |
| Total liab | 124607.41M | 116094.16M | 107688.70M | 102602.06M | 102731.95M |
| Total stockholder equity | 6411.48M | 5877.66M | 5322.94M | 4904.97M | 4852.16M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 109263.86M | 90292.51M | 469.51M | -671.87200M | -317.57600M |
| Common stock | - | 269.66M | 269.66M | 269.66M | 269.66M |
| Capital stock | - | 269.66M | 269.66M | 269.66M | 269.66M |
| Retained earnings | - | 6005.47M | 5495.08M | 4966.96M | 4639.96M |
| Other liab | - | - | - | - | 2933.67M |
| Good will | 370.91M | 2.28M | 2.28M | 2.28M | 2.28M |
| Other assets | - | 103124.69M | -32198.89800M | 76264.51M | 70929.02M |
| Cash | 15000.35M | 18014.16M | 16106.26M | 13351.22M | 24024.90M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 109263.86M | 91212.39M | 1580.55M | 671.87M | 317.58M |
| Current deferred revenue | - | - | -711.32400M | - | - |
| Net debt | -4616.17600M | -8307.68100M | -16106.26300M | -6918.12400M | -16288.48200M |
| Short term debt | - | 11490.88M | 8586.25M | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 10384.17M | 9706.48M | 20138.04M | 6433.09M | 7736.42M |
| Other stockholder equity | 6411.48M | -397.46400M | -441.80400M | -331.64300M | -57.46200M |
| Property plant equipment | - | - | - | 447.85M | 450.44M |
| Total current assets | 15000.35M | 18165.53M | 19082.79M | 13476.86M | 24143.97M |
| Long term investments | 21482.27M | 19567.49M | 14662.90M | 17038.87M | 14903.25M |
| Net tangible assets | - | - | - | 4626.03M | 4582.48M |
| Short term investments | - | - | -13951.79000M | - | - |
| Net receivables | - | 151.38M | 146.84M | 125.64M | 119.08M |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | 12706.86M | - | 106.18M |
| Accounts payable | - | 466.46M | 711.32M | 671.87M | 317.58M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | - | -12.91165M | -102.55700M | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 26638.55M | 24242.10M | -15389.09500M | -17765.65900M | -12511.11100M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 116018.54M | 103806.29M | 126127.75M | 17765.66M | 12511.11M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -120.79500M | -44.23400M | -234.05100M | -63.90800M |
| Change to liabilities | - | - | - | 0.00000M | 0.00000M |
| Total cashflows from investing activities | 8851.18M | -120.79500M | - | -234.05100M | -63.90800M |
| Net borrowings | - | 200.00M | - | -500.00000M | 550.00M |
| Total cash from financing activities | 271.29M | -262.43500M | -105.80700M | -752.84600M | 341.85M |
| Change to operating activities | - | - | - | -8935.91200M | 8001.84M |
| Net income | 1046.96M | 952.97M | 844.79M | 560.20M | 1333.11M |
| Change in cash | - | 1558.21M | 508.38M | -9021.87300M | 7328.77M |
| Begin period cash flow | 615417.81M | 613859.59M | 13351.22M | 22373.09M | 15044.32M |
| End period cash flow | - | 615417.81M | 13859.59M | 13351.22M | 22373.09M |
| Total cash from operating activities | -9523.44537M | 1941.44M | 658.42M | -8034.97600M | 7050.83M |
| Issuance of capital stock | - | 78.60M | 79.15M | 84.10M | 51.45M |
| Depreciation | - | 87.45M | 82.07M | 80.09M | 77.79M |
| Other cashflows from investing activities | 64.09M | -69.96400M | - | -144.10000M | 49.56M |
| Dividends paid | 496.32M | 462.35M | -405.83400M | 252.48M | 210.77M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | -44.35356M | -78.68400M | -79.11900M | -84.46900M | -48.83600M |
| Other cashflows from financing activities | - | 0.00100M | -44.23400M | -234.05100M | 750.00M |
| Change to netincome | - | - | - | 670.98M | -622.65700M |
| Capital expenditures | 33.38M | 151.10M | 90.38M | 72.25M | 67.32M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | -11097.27146M | 364.24M | -779.62700M | -9346.24200M | 6262.60M |
| Stock based compensation | - | - | - | - | - |
| Other non cash items | 526.87M | 536.78M | 511.19M | 670.98M | -622.65700M |
| Free cash flow | -9556.82292M | 1790.34M | 568.04M | -8107.22600M | 6983.51M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BKNIY Bankinter SA ADR |
- -% | 17.62 | 12.73 | 11.56 | 5.80 | 2.09 | 7.67 |
| HDB HDFC Bank Limited ADR |
0.17 0.70% | 25.23 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.35 1.16% | 29.76 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
1.60 3.22% | 51.35 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Bankinter, S.A. provides various banking products and services to individuals, corporates, and small- and medium-sized enterprises in Spain, Luxembourg, Portugal, and Ireland. The company operates through Commercial Banking, Corporate Banking, BKCF Spain, BK Portugal, BK Ireland, and Other Businesses segments. It offers smart digital, payroll, pension, business, non-salary, currency, youth, current, and management accounts; debit and credit cards; cash management cash pooling; guarantees; mortgages and loan products; financing; and investment banking and wealth management services. The company also provides investment funds, retirement, broker, alternative investment, deposit, and treasury bills; SEPA direct debit, VAT and invoice advance, commercial discount, factoring, cheque deposits, and POS; and cheque and promissory notes, confirming, payroll, and tax and social security; treasury management and documentary business; and VAT advance, multi-currency and open-term credit account, leasing, and structured financing services. In addition, it offers home, life, health, death, and motor vehicle; property, multi-risk, civil liability, construction and decennial, trade credit, and personal; general and business liability, liability for executives, construction, and machinery and equipment; group life, health, and accident; and pension scheme insurance products. Further, the company provides various services, such as real estate and account management, virtual agent, financial data aggregation, direct debit management, transfer, certificate, tax payment, estate administration, and foreign currency order 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 headquartered in Madrid, Spain.
Paseo de la Castellana, nº 29, Madrid, Spain, 28046
| 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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