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Bankinter, S.A. BKIMF

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15.00 USD -1.41 (-8.61%)

At closeFeb 5, 2026, 4:00 PM EST

15.00 Day range 15.00
15.00 52-week range 19.45
YTD
-7.69%
1 year
+76.68%

Financial health

Altman Z-Score

0.28 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

2 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 2
  • P/B 1

Valuation

P/E 11.4×
FY 2016: 12.2×FY 2017: 14.3×FY 2018: 12.5×FY 2019: 9.9×FY 2020: 23.9×FY 2021: 3.1×FY 2022: 10.0×FY 2023: 6.1×FY 2024: 7.3×FY 2025: 11.4×
FY 2016 5y median 7.3× FY 2025
P/S 3.1×
FY 2016: 2.9×FY 2017: 3.3×FY 2018: 2.8×FY 2019: 2.8×FY 2020: 2.1×FY 2021: 1.9×FY 2022: 2.2×FY 2023: 1.1×FY 2024: 1.3×FY 2025: 3.1×
FY 2016 5y median 1.9× FY 2025
P/B 2.0×
FY 2016: 1.5×FY 2017: 1.6×FY 2018: 1.4×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.2×FY 2025: 2.0×
FY 2016 5y median 1.1× FY 2025
P/FCF -1.3×
FY 2016: 3.5×FY 2017: 3.3×FY 2018: 72.3×FY 2019: 484×FY 2020: 0.5×FY 2021: 0.6×FY 2022: -0.7×FY 2023: 8.8×FY 2024: 3.9×FY 2025: -1.3×
FY 2016 5y median 0.6× FY 2025
EV/EBITDA 5.1×
FY 2016: 15.5×FY 2017: 13.1×FY 2018: 10.8×FY 2019: 8.2×FY 2020: -14.4×FY 2021: -19.7×FY 2022: -2.7×FY 2023: -1.3×FY 2024: -0.9×FY 2025: 5.1×
FY 2016 5y median -1.3× FY 2025
EV/Sales 2.0×
FY 2016: 5.5×FY 2017: 4.5×FY 2018: 3.7×FY 2019: 2.9×FY 2020: -2.2×FY 2021: -5.6×FY 2022: -0.9×FY 2023: -0.4×FY 2024: -0.3×FY 2025: 2.0×
FY 2016 5y median -0.4× FY 2025
FCF Yield -77.2%
FY 2016: 28.4%FY 2017: 30.6%FY 2018: 1.4%FY 2019: 0.2%FY 2020: 206.7%FY 2021: 167.2%FY 2022: -148.6%FY 2023: 11.4%FY 2024: 25.8%FY 2025: -77.2%
FY 2016 5y median 11.4% FY 2025

Profitability

Gross Margin 75.1%
FY 2016: 85.8%FY 2017: 89.6%FY 2018: 90.1%FY 2019: 89.8%FY 2020: 93.0%FY 2021: 92.1%FY 2022: 90.7%FY 2023: 66.6%FY 2024: 59.2%FY 2025: 75.1%
FY 2016 5y median 75.1% FY 2025
Operating Margin 36.8%
FY 2016: 32.8%FY 2017: 31.2%FY 2018: 31.7%FY 2019: 30.9%FY 2020: 11.6%FY 2021: 24.7%FY 2022: 31.5%FY 2023: 28.1%FY 2024: 26.1%FY 2025: 36.8%
FY 2016 5y median 28.1% FY 2025
Net Margin 26.1%
FY 2016: 23.8%FY 2017: 22.8%FY 2018: 23.1%FY 2019: 28.0%FY 2020: 16.0%FY 2021: 61.3%FY 2022: 22.5%FY 2023: 19.3%FY 2024: 18.3%FY 2025: 26.1%
FY 2016 5y median 22.5% FY 2025
ROE 17.0%
FY 2016: 12.0%FY 2017: 11.4%FY 2018: 11.7%FY 2019: 11.5%FY 2020: 6.4%FY 2021: 27.5%FY 2022: 11.4%FY 2023: 15.9%FY 2024: 16.2%FY 2025: 17.0%
FY 2016 5y median 16.2% FY 2025
ROIC 4.9%
FY 2016: 2.3%FY 2017: 2.1%FY 2018: 2.3%FY 2019: 1.9%FY 2020: 0.6%FY 2021: 1.2%FY 2022: -1.3%FY 2023: 2.3%FY 2024: 3.1%FY 2025: 4.9%
FY 2016 5y median 2.3% FY 2025
ROA 0.8%
FY 2016: 0.7%FY 2017: 0.7%FY 2018: 0.7%FY 2019: 0.7%FY 2020: 0.3%FY 2021: 1.2%FY 2022: 0.5%FY 2023: 0.7%FY 2024: 0.8%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue -19.9%
FY 2016: 1.0%FY 2017: 5.3%FY 2018: 4.8%FY 2019: -13.6%FY 2020: 1.1%FY 2021: 9.3%FY 2022: 14.7%FY 2023: 75.6%FY 2024: 18.9%FY 2025: -19.9%
FY 2016 FY 2025
Operating Income 12.9%
FY 2016: 30.1%FY 2017: 0.1%FY 2018: 6.5%FY 2019: -15.8%FY 2020: -62.0%FY 2021: 132.8%FY 2022: 46.3%FY 2023: 56.5%FY 2024: 10.6%FY 2025: 12.9%
FY 2016 FY 2025
EPS (diluted) 13.6%
FY 2016: 31.0%FY 2017: 0.0%FY 2018: 1.8%FY 2019: 8.9%FY 2020: -45.9%FY 2021: 342.4%FY 2022: -58.9%FY 2023: 51.7%FY 2024: 13.2%FY 2025: 13.6%
FY 2016 FY 2025
Free Cash Flow -655.5%
FY 2016: 944.0%FY 2017: 26.5%FY 2018: -96.0%FY 2019: -87.1%FY 2020: 75374.4%FY 2021: -17.4%FY 2022: -216.1%FY 2023: 107.0%FY 2024: 215.2%FY 2025: -655.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 49.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 49.4×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 1.6×
FY 2016: 2.2×FY 2017: 1.9×FY 2018: 1.7×FY 2019: 1.6×FY 2020: 1.5×FY 2021: 1.6×FY 2022: 1.6×FY 2023: 1.8×FY 2024: 1.7×FY 2025: 1.6×
FY 2016 5y median 1.6× FY 2025
Net Debt / EBITDA -2.8×
FY 2016: 7.3×FY 2017: 3.6×FY 2018: 2.8×FY 2019: 0.3×FY 2020: -27.8×FY 2021: -26.5×FY 2022: -9.0×FY 2023: -5.1×FY 2024: -5.7×FY 2025: -2.8×
FY 2016 5y median -5.7× FY 2025
Interest Coverage 0.9×
FY 2016: 2.3×FY 2017: 3.0×FY 2018: 3.2×FY 2019: 3.0×FY 2020: 1.7×FY 2021: 3.1×FY 2022: 3.4×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 4.0%
FY 2016: 3.1%FY 2017: 3.2%FY 2018: 4.1%FY 2019: 4.9%FY 2020: 2.1%FY 2021: 5.0%FY 2022: 4.6%FY 2023: 8.1%FY 2024: 6.7%FY 2025: 4.0%
FY 2016 5y median 5.0% FY 2025
Payout Ratio 47.4%
FY 2016: 38.7%FY 2017: 45.3%FY 2018: 49.1%FY 2019: 48.1%FY 2020: 27.7%FY 2021: 15.8%FY 2022: 45.1%FY 2023: 48.0%FY 2024: 48.5%FY 2025: 47.4%
FY 2016 5y median 47.4% FY 2025

Annual · latest fiscal year ends 2025-12-31