Bankinter (BKT) fair value: what the stock is really worth
We calculate from audited financials what Bankinter is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.
How to read this chart
60‑month range €3.19 – €16.96 · fair‑value band €7.78 – €15.38 · the €16.86 price screens above the €10.53 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.
Bankinter, S.A. provides various banking products and services to individuals, corporates, and small- and medium-sized enterprises in Spain, Luxembourg, Portugal, and Ireland. The company operates through Commercial Banking, Corporate Banking, BKCF Spain, BK Portugal, BK Ireland, and Other Businesses segments.
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Bankinter, S.A. provides various banking products and services to individuals, corporates, and small- and medium-sized enterprises in Spain, Luxembourg, Portugal, and Ireland. 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 €16.86, while our model-based Fair Value estimate is €10.53, implying the stock looks roughly 60.1% overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of €10.08 per share, and 0 of the 6 models we run sit above the €16.86 price.
Bear case: the Asset-Based group reads lowest at €4.78, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: €7.78 (bear) to €15.38 (bull), the price of €16.86 sits above 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 45/100 (below-average 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 €15.1B · P/E ratio 14.2 · P/S ratio 3.28 · EPS (TTM) €1.19 · Dividend yield 2.7% · Net margin 23.1% · Return on equity 17.7% · Return on assets (EBIT) 0.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades near its 52-week high and 62% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −38%, BKT screens richer than that median.
Fair Value models
Bear €7.78Fair Value €10.53Bull €15.38
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (€0.5329 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−9.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.8%
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+17.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.6%
Dividend (yield on the price)2.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.15% vs 11%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.12% → 35%
News mood ⓘNews mood, the average tone of recent news (56 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Price, fair value, quality and upside side by side.
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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 · 1074 stocks
Beats the industry median on 4/14 measures
Overall it trails its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−27% · Below median
Profitability
Return on equity (TTM)18% · Top 25%
Return on assets1% · Below median
Net margin (TTM)40% · Top 25%
Operating margin (TTM)58% · Top 25%
Growth and dividend
Revenue growth6% · Below median
Dividend yield (TTM)2.7% · Above median
Balance sheet
Debt / equity3.22× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)14.2× · Pricier than median
P/B2.50× · Priciest 25%
P/S (TTM)5.80× · Priciest 25%
EV/EBITDA13.2× · Pricier than median
PEG10.15× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)31· sector 45
PAST (return on equity)71· sector 41
HEALTH (low debt)0· sector 85
DIVIDEND (yield)54· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Bankinter Fair Value". https://www.fairvalue-calculator.com/stock/BKT
Frequently asked questions
Is Bankinter (BKT) overvalued or undervalued?
As of Sep 18, 2026, our model estimates a fair value of €10.53 versus a price of €16.86, about −38% upside (overvalued).
What is the fair value of BKT?
Our model-based fair value for Bankinter is €10.53 (as of Sep 18, 2026), built from audited fundamentals. The current price: €16.86.
What is the quality score of BKT?
Bankinter has a Quality Score of 45/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bankinter (BKT)?
Our model-based price target is the fair value of €10.53 (as of Sep 18, 2026) from 6 valuation models. Cautious scenario €7.78, optimistic scenario €15.38. It is a calculation from audited fundamentals, not an analyst target.
What is the Bankinter stock forecast for 2026?
Our models put fair value at €10.53, about −38% upside versus a price of €16.86 (overvalued). Cautious scenario €7.78, optimistic scenario €15.38. The calculation is refreshed regularly with new filings.
What is the revenue of Bankinter (BKT)?
Bankinter reported trailing-twelve-month revenue of about €2.8B (latest available figure, as of Sep 18, 2026).
Does Bankinter pay a dividend?
Bankinter currently shows a dividend yield of about 2.71% relative to its recent price (as of Sep 18, 2026).
What is the intrinsic value of Bankinter (BKT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bankinter it is €10.53 per share (as of Sep 18, 2026), against a price of €16.86. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Bankinter stock overvalued or undervalued in 2026?
As of Sep 18, 2026, BKT trades above its calculated fair value: price €16.86, fair value €10.53, a gap of about −38% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BKT?
No. The price is what the market pays today (€16.86); the fair value is what the company's own numbers justify (€10.53). For Bankinter the two are €6.33 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bankinter worth?
The market values Bankinter at about €15.1B (market capitalisation, as of Sep 18, 2026). Per share that is €16.86; our models calculate a fair value of €10.53 per share.
What do the bullish and bearish scenarios say about BKT?
Our models span a range for Bankinter: cautious scenario €7.78, base €10.53, optimistic €15.38 per share (as of Sep 18, 2026, price €16.86). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BKT?
Bankinter trades at a price-to-earnings ratio of 14.2 (as of Sep 18, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €10.53 is built from several models across several years. Other multiples: PEG 10.2, P/B 2.5, P/S 5.8, EV/EBITDA 13.2.
What is the PEG ratio of BKT?
The PEG ratio of Bankinter is 10.15 (P/E divided by earnings growth, as of Sep 18, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Bankinter (BKT)?
Balance-sheet figures for Bankinter (as of Sep 18, 2026): return on equity 17.7%, debt of 3.22 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is BKT from its 52-week high?
Bankinter trades at €16.86, about 12% below its 52-week high of €15.07 and 62% above the low of €10.41 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of €10.53 is for.
Which stocks are comparable to Bankinter?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bankinter stock attractive at the current price?
The data as of Sep 18, 2026: price €16.86, calculated fair value €10.53 (−38%), Quality Score 45/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BKT calculated?
We run Bankinter through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €10.53, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 16.1 % above its aggregate fair value. Bankinter itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bankinter (BKT)?
The closing price on Sep 21, 2026 was €16.86. Our model-based fair value is €10.53, about −38% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bankinter right now?
The price sits above even our optimistic bull case (€15.38). The favourable scenario is already priced in. Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (€7.78 to €15.38) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bankinter (BKT) come from?
Earnings per share at Bankinter grew +10.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.6 %, EBIT margin +1.7 %, tax rate −0.3 %, residual (interest, one-offs) −0.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Bankinter
How large is the market capitalisation of Bankinter (BKT)?
The market capitalisation of Bankinter is €15.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bankinter (BKT)?
The price-to-sales ratio of Bankinter is 3.28 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bankinter (BKT)?
Earnings per share at Bankinter are €1.19 (price ÷ EPS = P/E 14.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bankinter (BKT)?
The dividend yield of Bankinter is 2.7% (payout 38.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bankinter (BKT)?
The net margin of Bankinter is 23.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bankinter (BKT)?
The return on equity (ROE) of Bankinter is 17.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bankinter (BKT)?
On an EBIT basis the return on assets of Bankinter is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bankinter (BKT)?
The operating margin of Bankinter is 58.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bankinter (BKT)?
Revenue at Bankinter is growing +6.1% versus a year earlier (3y avg +23.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bankinter (BKT)?
Earnings per share at Bankinter are growing +6.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bankinter (BKT) generate?
The free cash flow of Bankinter is −€9.9B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Bankinter (BKT) hold?
Bankinter holds more cash than debt, €4.6B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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