Bankinter stock: fundamental analysis
Stocks · BKT · Financial Services
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. Below are its fundamentals, explained in the order worth reading them: business quality, debt, growth and, last, whether the price is reasonable.
- Price: 16.49 EUR
- Market cap: 14.8B EUR
Data as of September 18, 2026 · Yahoo Finance
Quick read
Business quality
ROE of 17.9%: it earns a high return on shareholders' money. Out of every 100 in sales, 40.8 end up as profit.
Financial health
For banks and insurers, debt is part of the business, so ratios such as net debt/EBITDA do not apply. Their strength is measured by capital (CET1 ratio) and bad loans, reported in their quarterly results.
Growth
Revenue is growing 9.4% year on year: a solid pace. Earnings are up 13.8%.
Valuation
It trades at a P/E of 13.4, in line with the 14.4 median of the financial services companies we track. On expected earnings the P/E falls to 11.4: the market expects profits to rise.
Dividend
Dividend yield of 4.6% (0.77 EUR per share per year) with a payout ratio of 50.2%.
Tools
All metrics
| Bankinter | Sector median | |
|---|---|---|
| Business quality | ||
| ROE | 17.9% | 17.4% |
| ROA | 0.9% | 1.4% |
| Gross margin | — | 64.0% |
| Operating margin | 60.2% | 57.4% |
| Net margin | 40.8% | 34.9% |
| Financial health | ||
| Net debt/EBITDA | — | — |
| Debt/equity | — | 0.5x |
| Current ratio | — | 2.0x |
| Growth | ||
| Revenue growth | 9.4% | 13.4% |
| Earnings growth | 13.8% | 12.8% |
| Valuation | ||
| P/E ratio | 13.4x | 14.4x |
| Forward P/E | 11.4x | 11.9x |
| EV/EBITDA | — | — |
| Price/book | 2.2x | 2.2x |
| FCF yield | — | 3.4% |
| Dividend | ||
| Dividend yield | 4.6% | 3.8% |
| Payout ratio | 50.2% | 47.5% |
| Beta (volatility) | 0.0x | 0.6x |
Frequently asked questions
What is Bankinter's P/E ratio?
Bankinter's P/E is 13.4 based on trailing 12-month earnings and 11.4 on expected earnings. The median for its sector among the companies we track is 14.4. Data as of September 18, 2026.
What dividend does Bankinter pay?
Dividend yield of 4.6% (0.77 EUR per share per year) with a payout ratio of 50.2%.
Is Bankinter stock expensive?
It trades at a P/E of 13.4, in line with the 14.4 median of the financial services companies we track. On expected earnings the P/E falls to 11.4: the market expects profits to rise. This is an educational reading based on ratios, not a buy or sell recommendation.
Does Bankinter have a lot of debt?
For banks and insurers, debt is part of the business, so ratios such as net debt/EBITDA do not apply. Their strength is measured by capital (CET1 ratio) and bad loans, reported in their quarterly results.
What is Bankinter's market cap?
Bankinter has a market cap of 14.8B EUR and its shares trade at 16.49 EUR, with a 52-week range of 12.28 EUR to 17.02 EUR (data as of September 18, 2026).
Other companies in the sector
Trailing 12-month metrics. Educational content, not investment advice.