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Spanish bank known for a conservative, efficient retail and corporate banking model, also owning insurer Linea Directa stake.
Spanish bank known for a conservative, efficient retail and corporate banking model, also owning insurer Linea Directa stake.
Earns mostly from the spread between loan and deposit rates, plus fees from wealth management and corporate banking, with a lean branch network and a skew toward higher-income clients and companies. Spain carries most of the business, with Portugal and a few other markets smaller.
In one line: A Spanish, efficiency-focused regional bank.
Moat: narrow (scale, process know-how). A track record of low-cost, disciplined underwriting and efficient operations versus Spanish peers.
Headquarters: Madrid, Spain · Founded: 1965 · Employees: 6,678
Size Bankinter (BKT.MC) is a Spain Financials company (Major Banks) with a market value of $14.5B, the 16th largest of 97 Spain companies the cockpit tracks. Shares closed at €14.41 on 6 Nov 2026.
Performance Over six months the shares gained 4.2%, against +2.7% for the median peer and +8.2% for the Spain market (cap-weighted) — 10th highest of 21 in its peer set.
Growth Revenue grew 0.4% over the last twelve months (peer median +3.4%); the operating margin is 50.7% (peer median 42.5%).
Valuation It trades at 1.87× book value against a peer median of 1.06× (7th most expensive of 21).
Price implies The share price implies a return on equity of about 12.4%; Bankinter delivers 17.6%, so the price asks less than the business earns today.
Credit Bankinter has 13 bonds outstanding ($7.85B), rated BBB by the agencies.
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | €5.08B | €4.96B | €5.41B | €4.58B | €2.67B |
| Revenue growth | — | -8% | +18% | +71% | — |
| Net income | €1.18B | €1.09B | €953M | €845M | €560M |
| Free cash flow | n/a | -€9.95B | -€5.82B | €6.14B | €569M |
| Capital expenditure | n/a | €168M | €151M | €90.4M | €72.2M |
| Total debt | €22.0B | €26.0B | €23.2B | €20.1B | €21.6B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Bankinter BKT.MC | $14.5B | +4% | 0% | 18% | 1.87× | 12.4% |
| Banco de Sabadell SAB.MC | $19.2B | +8% | -35% | 5% | 1.40× | 15.5% |
| CaixaBank CABK.MC | $91.9B | +7% | -2% | 16% | 2.05× | 13.3% |
| Banco Santander SAN.MC | $174B | +4% | +15% | 13% | 1.40× | 17.1% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | BKT.MC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -4.6% | +3.3% | 3rd lowest of 21 |
| 6-month return | +4.2% | +2.7% | 10th highest of 21 |
| Return on equity | 17.6% | 11.4% | 5th highest of 21 |
| Price / book | 1.87× | 1.06× | 7th most expensive of 21 |
| ROE the price implies | 12.4% | 12.9% | 10th least demanding of 21 |
| ROE delivered | 17.6% | 11.8% | 5th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Bankinter BKT.MC | Spain | $14.5B | +4% | 0% | 18% | 1.87× | 12.4% | 17.6% |
| Union Bank of India UNIONBANK.NS | India | $15.1B | +12% | 0% | 16% | 0.99× | 16.4% | 16.3% |
| FinecoBank FBK.MI | Italy | $15.4B | +3% | +5% | 32% | 5.71× | 43.8% | 32.3% |
| Punjab National Bank PNB.NS | India | $15.4B | +16% | +3% | 15% | 0.90× | 17.0% | 15.1% |
| Bank of Baroda BANKBARODA.NS | India | $13.7B | -7% | +8% | 12% | 0.74× | 13.2% | 11.8% |
| Hua Xia Bank 600015.SS | China | $15.7B | -5% | -1% | 8% | 0.32× | 1.8% | 7.6% |
| Shanghai Rural Commercial Bank 601825.SS | China | $13.1B | +1% | -8% | 10% | 0.65× | 2.5% | 9.6% |
| Indian Bank INDIANB.NS | India | $12.9B | +5% | +12% | 16% | 1.40× | 18.5% | 16.1% |
| WooriFinancialGroup 316140.KS | South Korea | $17.0B | -5% | +37% | 10% | 0.71× | 4.8% | n/a |
| Banco Santander (Brasil) S.A. Sponsored ADR BSBR | United States | $17.4B | -20% | +18% | 10% | 2.10× | 12.6% | 10.2% |
| mBank MBK.WA | Poland | $17.7B | +37% | -1% | 19% | 3.05× | 37.6% | 19.1% |
| First Financial 2892.TW | Taiwan | $17.8B | +44% | +5% | 11% | 1.95× | 5.8% | 10.9% |
| Canara Bank CANBK.NS | India | $11.8B | -10% | -7% | 17% | 0.87× | 17.1% | 16.8% |
| China Zheshang Bank 2016.HK | Hong Kong | $11.5B | -3% | +1% | 7% | 0.31× | 3.9% | 7.3% |
| Banca Mediolanum BMED.MI | Italy | $19.1B | +17% | -34% | 30% | 3.73× | 35.6% | 30.1% |
| Banco de Sabadell SAB.MC | Spain | $19.2B | +8% | -35% | 5% | 1.40× | 15.5% | 5.1% |
| Banco de Chile Sponsored ADR BCH | United States | $19.6B | +7% | +4% | 22% | 3.15× | 13.6% | 21.8% |
| Shinkin Central Bank Pfd Subs Cert 8421.T | Japan | $10.3B | -1% | +47% | 3% | 1.02× | 4.4% | 3.0% |
| UMB Financial UMBF | United States | $10.2B | +2% | +17% | 14% | 1.34× | 11.2% | 13.5% |
| SouthState Bank SSB | United States | $10.1B | +8% | +18% | 10% | 1.11× | 9.3% | 10.3% |
| China Minsheng Banking 600016.SS | China | $21.3B | -8% | -10% | 4% | 0.26× | 1.6% | 4.5% |
Bankinter has 13 bonds outstanding with $7.85B face value. The agencies rate it BBB.