Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Bankinter, S.A. is a prominent Spanish banking institution providing a comprehensive range of financial products and services to individuals, corporates, and small- and medium-sized enterprises primarily in Spain, with operations extending to Luxembourg, Portugal, and Ireland. Founded in 1965 and headquartered in Madrid, it operates through key segments including Commercial Banking, Business Banking, Consumer Finance, Bankinter Portugal, Bankinter Ireland, and Other Businesses, offering smart digital accounts, payroll and pension plans, debit and credit cards, mortgages, loans, cash management, guarantees, investment banking, and wealth management services. The bank emphasizes digital innovation and operational efficiency, serving diverse customer needs from retail to corporate finance while issuing bonds and perpetual securities to support its funding activities. With approximately 6,660 employees, Bankinter, S.A. plays a significant role in the European banking sector, focusing on major banks within the finance industry and maintaining a strong presence through subsidiaries like Avant Money in Ireland.
Revenue growth slowed to 2.6%, essentially flat. This is a business that needs a catalyst.
Free cash flow declined 143% versus the prior year, cash generation momentum has weakened. Negative free cash flow of -€767M. The business is consuming cash, not generating it.
Profitability & Returns
Revenue (TTM)
€3.18B
▲ +2.6% YoY
Net Income (TTM)
€1.11B
▲ +14.4% YoY
Op. Margin
—
ROIC
—
Cash Flow & Balance Sheet
FCF (FY)
-€767M
▼ -142.8% YoY
Op. Cash Flow (FY)
€994M
▼ -46.5% YoY
Net Debt
-€6.13B
Net Cash Position
Cash & Equiv.
€18.07B
3Y CAGR: +11.4%
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