BKT Stock Financial Analysis - Bankinter, S.A. (WBAG) Stock

Overview

Bankinter, S.A. is a commercial bank based in Spain, primarily operating in the banking industry. It offers various financial services, including retail banking, business banking, private banking, and asset management. Bankinter is recognized for its digital banking initiatives and has been at the forefront of developing innovative solutions. One of its key projects includes launching a digital business bank, EVO Banco, and the mobile-only bank, COINC. The bank's strong commitment to digital innovation and customer-centric services has helped it maintain a robust position in the competitive Spanish banking market.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Bankinter, S.A. as of 30 June 2025 is 2,652.52 MM.
The operating income for Bankinter, S.A. as of 30 June 2025 is 1,562.56 MM.
The net income for Bankinter, S.A. as of 30 June 2025 is 982.17 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	2,652.52	1,562.56	982.17
2025-03-31	2,617.20	1,608.49	1,022.30
2024-12-31	2,532.93	1,556.75	952.97
2024-09-30	2,294.20	1,455.34	889.09
2024-06-30	2,284.02	1,466.56	898.30
2024-03-31	2,353.98	1,426.45	860.88
2023-12-31	2,315.12	1,394.18	844.79
2023-09-30	2,256.67	1,347.11	814.76
2023-06-30	2,096.65	1,196.39	707.10
2023-03-31	1,912.91	1,025.23	590.64
2022-12-31	1,820.60	945.09	560.20
2022-09-30	1,688.78	909.24	512.58
2022-06-30	1,648.28	836.75	463.86
2022-03-31	1,623.08	804.12	1,339.11
2021-12-31	1,580.67	750.47	1,333.11
2021-09-30	1,492.37	355.39	1,347.67
2021-06-30	1,489.99	496.91	1,348.24
2021-03-31	1,285.55	325.45	335.11
2020-12-31	1,267.44	309.39	317.12
2020-09-30	1,880.30	747.49	326.37
2020-06-30

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31	1.14	1.11
2024-12-31	1.06	1.03
2024-09-30
2024-06-30	0.99	0.96
2024-03-31	0.95	0.92
2023-12-31	0.94	0.91
2023-09-30
2023-06-30	0.78	0.78
2023-03-31	0.63	0.63
2022-12-31		0.61
2022-09-30	0.55	0.54
2022-06-30	0.49	0.49
2022-03-31	1.47	1.47
2021-12-31		1.46
2021-09-30
2021-06-30	1.49	1.43
2021-03-31	0.37	0.35
2020-12-31	0.35	0.33
2020-09-30
2020-06-30	0.38	0.37

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Bankinter, S.A. as of 30 June 2025 is 1,577.99 MM.
The cash from investing activities for Bankinter, S.A. as of 30 June 2025 is -127.36 MM.
The cash from financing activities for Bankinter, S.A. as of 30 June 2025 is 288.40 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	1,577.99	-127.36	288.40
2025-03-31
2024-12-31	1,941.44	-120.80	-262.44
2024-09-30
2024-06-30	-498.62	-113.79	-240.63
2024-03-31
2023-12-31	658.42	-44.23	-105.81
2023-09-30
2023-06-30	-8,185.56	-176.76	3.88
2023-03-31
2022-12-31	-8,034.98	-234.05	-752.85
2022-09-30
2022-06-30	2,644.52	-22.28	-785.04
2022-03-31
2021-12-31	7,050.83	-63.91	341.85
2021-09-30
2021-06-30	7,686.90	-105.14	814.31
2021-03-31
2020-12-31	8,538.31	-120.86	219.82
2020-09-30
2020-06-30

Valuation Metrics : PE, PriceToBook, PriceToTBV

The p/e for Bankinter, S.A. as of 30 June 2025 is 10.01.
The p/book for Bankinter, S.A. as of 30 June 2025 is 1.69.
The p/tbv for Bankinter, S.A. as of 30 June 2025 is 1.79.

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30	10.01	1.69	1.79
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31	12.26	1.96	2.08
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

The ebit/ev for Bankinter, S.A. as of 30 June 2025 is 0.17.
The ebit (3y)/ev for Bankinter, S.A. as of 30 June 2025 is 0.15.

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30	0.17	0.15
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31	0.19	0.13
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30

Management Effectiveness

The roa for Bankinter, S.A. as of 30 June 2025 is 0.01.
The roe for Bankinter, S.A. as of 30 June 2025 is 0.18.
The roic for Bankinter, S.A. as of 30 June 2025 is 0.07.
The croic for Bankinter, S.A. as of 30 June 2025 is 0.10.
The ocroic for Bankinter, S.A. as of 30 June 2025 is 0.12.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.18	0.07	0.10	0.12
2025-03-31	0.01	0.19	0.06	0.10	0.13
2024-12-31	0.01	0.04	0.06	0.00	0.00
2024-09-30	0.01	0.17	0.06	0.04	0.05
2024-06-30	0.01	0.18	0.06	0.04	0.05
2024-03-31	0.01	0.17	0.06	0.04	0.05
2023-12-31	0.01	0.17	0.06	-0.60	-0.59
2023-09-30	0.01	0.15	0.05	-0.59	-0.58
2023-06-30	0.01	0.15	0.05	-0.63	-0.62
2023-03-31	0.01	0.12	0.05	-0.76	-0.68
2022-12-31	0.01	0.11	0.05	0.00	0.00
2022-09-30	0.00	0.11	0.04	0.15	0.21
2022-06-30	0.01	0.10	0.04	0.15	0.21
2022-03-31	0.01	0.27	0.10	0.57	0.55
2021-12-31	0.01	0.27	0.10	0.56	0.00
2021-09-30	0.01	0.29	0.10	0.63	0.58
2021-06-30	0.01	0.29	0.10	0.64	0.59
2021-03-31	0.00	0.07	0.03	0.66	0.66
2020-12-31	0.00	0.07	0.02	0.65	0.65
2020-09-30	0.00	0.07	0.02	0.39	0.43
2020-06-30	0.00	0.07	0.03	0.42	0.46

Gross Margins

The gross margin for Bankinter, S.A. as of 30 June 2025 is 1.00.
The net margin for Bankinter, S.A. as of 30 June 2025 is 0.39.
The operating margin for Bankinter, S.A. as of 30 June 2025 is 0.61.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.39	0.61
2025-03-31	1.00	0.37	0.52
2024-12-31	1.00	0.37	0.60
2024-09-30	1.00	0.36	0.60
2024-06-30	1.00	0.37	0.61
2024-03-31	1.00	0.36	0.52
2023-12-31	1.00	0.35	0.57
2023-09-30	1.00	0.34	0.57
2023-06-30	1.00	0.34	0.57
2023-03-31	1.00	0.30	0.52
2022-12-31	1.00	0.30	0.46
2022-09-30	1.00	0.30	0.46
2022-06-30	1.00	0.28	0.43
2022-03-31	1.00	0.83	0.42
2021-12-31	1.00	0.85	0.34
2021-09-30	1.00	0.85	0.42
2021-06-30	1.00	0.91	0.41
2021-03-31	1.00	0.26	0.26
2020-12-31	1.00	0.25	0.18
2020-09-30	1.00	0.26	0.42
2020-06-30	1.00	0.26	0.33

ES:BKT	€ 12,52
GB:0H7O	€ 12,58
IT:1BKT	€ 13,50
US:BKIMF
MX:BKT N
GB:BKTE
CH:BAKA
DE:BAKA	€ 12,68