Bankinter (BKT) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Bankinter stock €10.53, price €14.58, that is 27.8% below the price, quality 51 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Bankinter
BKT · MCOur calculation puts a fair price 28% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 2, 2026.
How to read this chart
60‑month range €3.19 – €16.96 · fair‑value band €7.71 – €14.68 · the €14.58 price screens above the €10.53 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 2, 2026.
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Company profile
Bankinter, S.A. provides various banking products and services to individuals, corporates, and small- and medium-sized enterprises in Spain, Luxembourg, Portugal, and Ireland.
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The company operates through Commercial Banking, Corporate Banking, BKCF Spain, BK Portugal, BK Ireland, and Other Businesses segments.
It offers smart digital, payroll, pension, business, non-salary, currency, youth, current, and management accounts; debit and credit cards; cash management cash pooling; guarantees; mortgages and loan products; financing; and investment banking and wealth management services.
The company also provides investment funds, retirement, broker, alternative investment, deposit, and treasury bills; SEPA direct debit, VAT and invoice advance, commercial discount, factoring, cheque deposits, and POS; and cheque and promissory notes, confirming, payroll, and tax and social security; treasury management and documentary business; and VAT advance, multi-currency and open-term credit account, leasing, and structured financing services.
In addition, it offers home, life, health, death, and motor vehicle; property, multi-risk, civil liability, construction and decennial, trade credit, and personal; general and business liability, liability for executives, construction, and machinery and equipment; group life, health, and accident; and pension scheme insurance products.
Further, the company provides various services, such as real estate and account management, virtual agent, financial data aggregation, direct debit management, transfer, certificate, tax payment, estate administration, and foreign currency order services.
Additionally, it offers retail, personal, private, and corporate banking products, as well as remote banking services. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990.
Bankinter, S.A. was incorporated in 1965 and is headquartered in Madrid, Spain.
Stock analysis
Bankinter (BKT) currently trades at €14.58, while our model-based Fair Value estimate is €10.53, 28% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of €9.81 per share, and 1 of the 6 models we run sit above the €14.58 price.
Bear case: the Asset-Based group reads lowest at €4.23, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: €7.71 (bear) to €14.68 (bull), the price of €14.58 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Bankinter reported revenue of €4.7B in FY2025 versus €2.2B in FY2021, a compound +21.3%/yr. Reported net income was €1.1B in FY2025, compounding −4.9%/yr from FY2021.
Key figures
Market cap €13.1B Large · P/E ratio 11.6 · P/S ratio 4.57 · EPS (TTM) €1.26 · Dividend yield 2.2% · Net margin 41.1% · Return on equity 17.6% · Return on assets (EBIT) 0.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).
What moves the price
The share trades about 14% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −28%, BKT screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
BKT screens overvalued: fair value 28% below the price. Compare with China Merchants Bank Co →
Earlier news
- Bankinter (BME:BKT) Stock Price Slides Despite Solid Q3 Earnings
- Bankinter (BME:BKT) Stock Could Be Below Fair Value On Its 304% Run
- Here's Why Bankinter (BKNIY) Is a Great 'Buy the Bottom' Stock Now
- Bankinter SA (BKIMF) Q2 2026 Earnings Call Highlights: Strong Profit Growth and Robust Asset ...
Compare Bankinter with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1002 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Price/FCF by industry
- Debt-to-equity by industry
- Stock screener with 62 metrics
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.52 | ¥7.59 | +38% | vs BKT |
| China Merchants Bank Co 600036 | ¥42.54 | ¥52.73 | +24% | vs BKT |
| BNP Paribas SA BNP | €91.94 | €106.01 | +15% | vs BKT |
| Intesa Sanpaolo S.p.A ISP | €6.27 | €4.59 | −27% | vs BKT |
| UniCredit S.p.A UCG | €77.18 | €50.44 | −35% | vs BKT |
| Oversea-Chinese Banking Corporation O39 | 27.93 SGD | 18.20 SGD | −35% | vs BKT |
| Mizuho Financial Group MFG | $9.39 | $5.90 | −37% | vs BKT |
| DBS Group D05 | 71.20 SGD | 40.39 SGD | −43% | vs BKT |
| HDFC Bank Limited HDFCBANK | ₹760.00 | ₹406.39 | −47% | vs BKT |
| ICICI Bank Limited ICICIBANK | ₹1,500 | ₹615.63 | −59% | vs BKT |
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Key figures of Bankinter
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