Bankinter, S.A. BKT.MC
Composite 55/100; the shares have moved about 23% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Growth ranks 36/100 — a moderate mark against it.
Income ranks 88/100 — a strong point in its favour. Momentum ranks 78/100 — a strong point in its favour. Quality ranks 60/100 — a slight point in its favour.
Growth ranks 36/100 — a moderate mark against it. Balance-sheet strength ranks 42/100 — a slight mark against it.
What the company does Bankinter, S.A. (BKT.MC) is a Spanish regional bank offering retail, corporate, and SME banking across Spain, Portugal, Ireland, and Luxembourg. Its services include current and savings accounts, mortgages, loans, investment products, and wealth management.
Key financials Bankinter reports ROE of 17.9% and ROA of 0.9%, with net margins at 40.8%. Revenue grew 9.4% and EPS 13.8%, supported by a 60.2% operating margin. The dividend yield stands at 4.8% with a 50.2% payout ratio.
Stock health Momentum is strong: 12-month return 35.06%, 6-month 14.53%, and 3-month 18.04%. RSI(14) is 63.70, indicating bullish momentum just below overbought territory. Quality and income scores are high at 64.0 and 94.4, respectively.
Price vs fair value The stock trades at a discount to both our fair-value estimate and analyst targets: - Discount of 21.30% vs fair-value estimate of 19.59 (our fair-value estimate) - Discount of 0.66% vs 12-month target of 16.26 (analyst count 22.0) - Valuation percentile 64.0/100 suggests fair value with positive momentum (Sideravia Score)
Looking forward Forward P/E of 12.47 and PEG of 2.37 indicate moderate earnings growth expectations. High income score (94.4) and strong recent returns suggest investor confidence in stability and yield.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-04, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.