Bankinter, S.A. (BKIMF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Bankinter, S.A. (BKIMF) trades at $16.70 with AI Score 52/100 (Grade B). Bankinter, S. A. is a Spanish financial institution providing a range of banking products and services to individuals, SMEs, and corporate clients. Market cap: $15.01B, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for BKIMF: BKIMF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BKIMF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
BKIMF: the 7 perspectives are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Bankinter, S.A. (BKIMF) Financial Services Profile
Bankinter, S.A., founded in 1965, is a Spanish bank offering diverse financial services, including retail, commercial, and private banking. With a network of branches and agents, Bankinter focuses on providing tailored solutions to individuals, SMEs, and corporate clients, demonstrating a strong presence in the Spanish financial market.
What Is the Investment Thesis for BKIMF?
Bankinter, S.A. presents a compelling investment case based on its established position in the Spanish banking sector and its diversified range of financial products and services. With a P/E ratio of 10.83 and a profit margin of 23.1%, the company demonstrates financial stability and profitability. The dividend yield of 3.94% offers an attractive income stream for investors. Growth catalysts include the expansion of its wealth management services and the increasing demand for sustainable investment options. However, potential risks include the impact of economic fluctuations in Spain and increasing competition from other financial institutions. The company's ability to maintain its gross margin of 65.4% and adapt to evolving regulatory requirements will be crucial for sustained growth.
Based on FMP financials and quantitative analysis
BKIMF Key Highlights
- Market capitalization of $15.01B, reflecting Bankinter's significant presence in the Spanish financial market.
- P/E ratio of 10.83, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 23.1%, showcasing the bank's efficiency in generating profits from its revenue.
- Gross margin of 65.4%, demonstrating strong cost management and pricing strategies.
- Dividend yield of 3.94%, providing an attractive income stream for investors.
Who Are BKIMF's Competitors?
BKIMF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BKPKF Bank Polska Kasa Opieki S.A. | $63.96 | +0.00% | $16.79B | 59 |
| BPCGF Banco Comercial Português, S.A. | $1.12 | +6.67% | $16.58B | 49 |
| EGFEF Eurobank Ergasias Services and Holdings S.A. | $4.84 | +3.09% | $17.73B | 50 |
| EGFEY Eurobank Ergasias Services and Holdings S.A. | $2.01 | +2.03% | $7.36B | 52 |
| FCBBF FinecoBank Banca Fineco S.p.A. | $25.00 | +9.65% | $15.30B | 48 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BKIMF's Key Strengths?
- Strong brand reputation in Spain.
- Diversified product and service offerings.
- Extensive branch and agent network.
- Solid financial performance with consistent profitability.
What Are BKIMF's Weaknesses?
- Limited geographic diversification, primarily focused on Spain.
- Exposure to the Spanish economy and regulatory environment.
- Relatively small market capitalization compared to larger global banks.
- Dependence on traditional banking channels.
What Could Drive BKIMF Stock Higher?
- Expansion of digital banking services to attract younger customers and improve efficiency.
- Growth in wealth management services targeting high-net-worth individuals.
- Potential strategic partnerships or acquisitions to expand market reach by Q4 2026.
- Increasing demand for sustainable investment funds aligning with ESG trends.
- Continued focus on risk management and regulatory compliance to maintain financial stability.
What Are the Key Risks for BKIMF?
- Financial-distress signal — its Altman Z-Score of -0.72 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Spain impacting loan performance and profitability.
- Increasing competition from fintech companies and other banks eroding market share.
- Changes in regulatory requirements and compliance costs affecting financial performance.
- Cybersecurity risks and data breaches compromising customer data and reputation.
- Exposure to fluctuations in interest rates and currency exchange rates.
What Are the Growth Opportunities for BKIMF?
- Expansion of Wealth Management Services: Bankinter has a significant opportunity to expand its wealth management services, targeting high-net-worth individuals and families in Spain. The wealth management market is projected to grow as the Spanish economy recovers, with an estimated market size of $500 billion by 2028. By offering personalized investment advice and tailored financial solutions, Bankinter can attract new clients and increase its assets under management (AUM). This expansion can be achieved through strategic partnerships, digital platforms, and enhanced customer service, with a timeline of 3-5 years.
- Sustainable Investment Funds: The increasing demand for sustainable and socially responsible investments presents a growth opportunity for Bankinter. By developing and promoting sustainable investment funds, the bank can attract environmentally conscious investors and align with global sustainability trends. The market for sustainable investments is expected to reach $1 trillion in Europe by 2027. Bankinter can leverage its expertise in asset management to create innovative ESG (Environmental, Social, and Governance) investment products, with a focus on renewable energy, green technology, and social impact projects. The timeline for this growth opportunity is 2-4 years.
- Digital Banking Innovation: Investing in digital banking technologies and enhancing its online and mobile platforms can drive customer acquisition and improve operational efficiency. The adoption of digital banking services is growing rapidly in Spain, with an estimated 70% of banking customers using online platforms by 2026. Bankinter can leverage artificial intelligence (AI), machine learning (ML), and blockchain technologies to offer personalized financial advice, streamline banking processes, and enhance cybersecurity. The timeline for implementing these digital innovations is 1-3 years.
- Strategic Partnerships and Acquisitions: Bankinter can pursue strategic partnerships and acquisitions to expand its market reach and diversify its product offerings. Collaborating with fintech companies and other financial institutions can provide access to new technologies, customer segments, and distribution channels. Potential acquisition targets include smaller banks, asset management firms, and insurance companies. These partnerships and acquisitions can be completed within 2-5 years, depending on regulatory approvals and market conditions.
- Expansion into New Geographic Markets: While primarily focused on the Spanish market, Bankinter can explore opportunities to expand into new geographic markets, particularly in Latin America and other European countries. These markets offer growth potential due to their expanding economies, increasing populations, and growing demand for financial services. Bankinter can leverage its expertise in retail, commercial, and private banking to establish a presence in these new markets through strategic partnerships, joint ventures, or acquisitions. The timeline for this geographic expansion is 3-7 years.
What Opportunities Does BKIMF Have?
- Expansion into new geographic markets, particularly in Latin America.
- Growth in wealth management and sustainable investment services.
- Digital banking innovation and adoption of new technologies.
- Strategic partnerships and acquisitions to expand market reach.
What Threats Does BKIMF Face?
- Increasing competition from fintech companies and other banks.
- Economic downturns and fluctuations in the Spanish economy.
- Changes in regulatory requirements and compliance costs.
- Cybersecurity risks and data breaches.
What Are BKIMF's Competitive Advantages?
- Established brand reputation and customer loyalty in the Spanish market.
- Extensive branch network and agent network providing broad geographic coverage.
- Diversified range of financial products and services catering to various customer segments.
- Strong risk management practices and regulatory compliance.
- Experienced management team with a proven track record.
What Does BKIMF Do?
Bankinter, S.A., originally established as Banco Intercontinental Español, S.A. in 1965, has evolved into a prominent financial institution in Spain. Headquartered in Madrid, the bank offers a comprehensive suite of banking products and services, catering to individual customers, small- and medium-sized enterprises (SMEs), and large corporate clients. Its offerings include a variety of accounts such as salary, non-salary, and business accounts, alongside deposit products and financing solutions like mortgages and loans. Bankinter also provides an array of saving and investment options, including profiled funds, sustainable investment funds, pension funds, and wealth management services. Beyond traditional banking, Bankinter provides insurance products covering accident, home, life, and business needs. The company also offers services such as estate administration, asset management, and real estate brokerage. Bankinter operates through a network of 446 branches and 379 agents as of December 31, 2021, ensuring a widespread presence across Spain. The bank's evolution reflects its adaptability to changing market dynamics and its commitment to providing comprehensive financial solutions to its diverse customer base. Bankinter's focus on innovation and customer service has solidified its position in the competitive Spanish banking sector.
What Products and Services Does BKIMF Offer?
- Provides retail banking services to individuals.
- Offers commercial banking solutions to small and medium-sized enterprises (SMEs).
- Delivers corporate banking services to large companies.
- Provides private banking and wealth management services to high-net-worth individuals.
- Offers a range of deposit accounts, loans, and mortgages.
- Provides investment products, including mutual funds and pension plans.
- Offers insurance products, including home, life, and auto insurance.
- Provides digital banking services through online and mobile platforms.
How Does BKIMF Make Money?
- Generates revenue through interest income from loans and mortgages.
- Earns fees from banking services, such as account maintenance and transaction processing.
- Derives income from investment products and wealth management services.
- Receives commissions from insurance products.
- Profits from trading and investment activities.
What Industry Does BKIMF Operate In?
Bankinter operates within the competitive Spanish banking sector, which is characterized by both traditional players and emerging fintech companies. The industry is influenced by macroeconomic factors, regulatory changes, and evolving customer preferences. The European Central Bank's (ECB) monetary policies and interest rate environment significantly impact the profitability of banks in the region. Bankinter's focus on wealth management and sustainable investment options positions it to capitalize on growing market trends. Competitors include both domestic and international banks operating in Spain, requiring Bankinter to differentiate itself through service quality and innovative product offerings.
Who Are BKIMF's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized enterprises (SMEs) requiring commercial banking solutions.
- Large corporations needing corporate banking services.
- High-net-worth individuals seeking private banking and wealth management services.
- Retail customers looking for insurance products.
Bankinter, S.A. (BKIMF) Valuation Context
Valued at $15.01B, BKIMF is classified as a large-cap stock. Relative to its peer group, BKIMF's quantitative score of 52/100 is roughly in line with the peer average of 52/100.
BKIMF Revenue & Earnings Trend
In Q1 2026, BKIMF generated $1.16B in top-line revenue, marking a sequential decrease of 1.9%. The company recorded net income of $290.7M, with diluted EPS of $0.31. Quarter-over-quarter revenue has been mixed, typical for a large-cap company operating in Financial Services. Across the four most recent quarters, BKIMF averaged $0.30 in diluted EPS.
Company Profile
Bankinter, S.A. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Madrid, ES. The company is led by CEO Gloria Ortiz Portero. BKIMF has traded publicly since 2007.
ROE 17%Key Financial Metrics
Return on equity for Bankinter, S.A. stands at 17.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. BKIMF trades at a trailing price-to-earnings ratio of 12.24, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.16 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.2%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 4/9Financial Health
Bankinter, S.A.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.72 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Bankinter, S.A. revenue of about $3.70B for fiscal 2026, with EPS near $1.47. The estimate reflects 17 contributing analysts.
BKIMF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong brand reputation in Spain.
- Diversified product and service offerings.
- Extensive branch and agent network.
- Solid financial performance with consistent profitability.
Bear Case
- Limited geographic diversification, primarily focused on Spain.
- Exposure to the Spanish economy and regulatory environment.
- Relatively small market capitalization compared to larger global banks.
- Dependence on traditional banking channels.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $1.16B | $291M | $0.31 |
| Q4 2025 | $1.18B | $278M | $0.31 |
| Q3 2025 | $1.15B | $270M | $0.29 |
| Q2 2025 | $1.18B | $272M | $0.30 |
Based on FMP financials and quantitative analysis
BKIMF Latest News
No recent news available for BKIMF.
BKIMF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BKIMF.
Price Targets
Wall Street price target analysis for BKIMF.
BKIMF MoonshotScore
What does this score mean?
The MoonshotScore rates BKIMF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Gloria Ortiz Portero
Unknown
Gloria Ortiz Portero's detailed background is not available in the provided context. However, as a leader managing 6674 employees, it is reasonable to assume a substantial career in the financial services sector. Further research would be needed to ascertain her specific educational background, previous roles, and career trajectory before joining Bankinter, S.A.
Track Record: Gloria Ortiz Portero's specific achievements and strategic decisions as a leader at Bankinter, S.A. are not detailed in the provided context. Evaluating her track record would require access to company reports, press releases, and other sources that highlight her contributions to the bank's performance and strategic direction.
BKIMF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Bankinter, S.A. may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not provide regular financial disclosures, increasing the risk for investors. Trading on the OTC Other tier differs significantly from exchanges like NYSE or NASDAQ, which have stricter listing requirements and greater regulatory oversight. This tier is considered more speculative due to the potential for less transparency and liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases the risk of investing due to lack of transparency.
- Low trading volume can lead to price volatility and difficulty in buying or selling shares.
- OTC Other tier companies may be subject to less regulatory oversight, increasing the risk of fraud or mismanagement.
- The lack of stringent listing requirements can result in lower quality companies being traded.
- Potential for information asymmetry, where insiders have more information than public investors.
- Verify the company's registration and legal status.
- Review any available financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC Other tier stocks.
- Monitor trading volume and price movements.
- Consult with a financial advisor before investing.
- The company has been in operation since 1965, indicating a long history.
- Bankinter is a recognized brand in the Spanish financial market.
- The company operates through a network of branches and agents.
- Bankinter provides a range of banking products and services.
- The company has a market capitalization of $15.01B.
Bankinter, S.A. Financial Services Stock: Key Questions Answered
What does Bankinter, S.A. do?
Bankinter, S.A. is a Spanish financial institution providing a comprehensive range of banking products and services to individuals, SMEs, and corporate clients. Its offerings include deposit accounts, loans, mortgages, investment products, and insurance services. The bank operates through a network of branches and agents, as well as digital platforms, providing retail, commercial, private, and corporate banking solutions. Bankinter focuses on delivering personalized financial services and building long-term relationships with its customers, while also adapting to evolving market trends and technological advancements.
What are the main risks for BKIMF?
The main risks for Bankinter, S.A. include potential economic downturns in Spain, which could impact loan performance and profitability. Increasing competition from fintech companies and other banks could erode market share. Changes in regulatory requirements and compliance costs could affect financial performance. Cybersecurity risks and data breaches pose a threat to customer data and reputation. Additionally, fluctuations in interest rates and currency exchange rates could impact the bank's financial results. Effective risk management and adaptation to changing market conditions are crucial for mitigating these risks.
How does Bankinter, S.A. make money in financial services?
Bankinter, S.A. generates revenue through several key channels within the financial services sector. A primary source is net interest income, derived from the difference between interest earned on loans and interest paid on deposits. Additionally, the bank earns fees from various services such as account maintenance, transaction processing, and wealth management. Commission income from the sale of insurance products and revenue from investment banking activities also contribute to the bank's overall profitability. Strategic asset and liability management is crucial for optimizing these revenue streams.
What is Bankinter, S.A.'s credit quality and risk management approach?
Bankinter, S.A.'s credit quality and risk management approach are crucial for maintaining financial stability and profitability. The bank assesses the creditworthiness of borrowers through rigorous underwriting standards and ongoing monitoring of loan portfolios. Provision levels are maintained to cover potential loan losses, and stress testing is conducted to evaluate the bank's resilience to adverse economic scenarios. Risk management frameworks are in place to identify, measure, and mitigate various risks, including credit risk, market risk, and operational risk. Effective risk management is essential for ensuring the long-term sustainability of Bankinter's business operations.
What are the key factors to evaluate for BKIMF?
Bankinter, S.A. (BKIMF) holds an AI score of 52/100 (moderate). Not financial advice.
How frequently does BKIMF data refresh on this page?
BKIMF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BKIMF's recent stock price performance?
Bankinter, S.A. (BKIMF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong brand reputation in Spain. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BKIMF overvalued or undervalued right now?
Valuing Bankinter, S.A. (BKIMF) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for BKIMF, limiting comprehensive insights.
- OTC market data may have limited reliability compared to major exchanges.
- CEO background information is incomplete.