Bankinter (BKT): analysis in plain words
Is Bankinter cheap or expensive? How it makes money, whether it grows and its risks, explained in plain words and with its official accounts.
Bankinter (BKT) is listed on the Madrid Stock Exchange and we classify it in banking. Below are its key dated figures, how it makes money, how it compares with its sector, what works for and against Bankinter according to those figures, and the questions people ask most about the stock. No buy or sell tips.
Bankinter (BKT) key figures as of November 4, 2026
| Figure | Value | What it measures |
|---|---|---|
| Share price | €14.32 | Last price on November 4, 2026 |
| P/E ratio (TTM) | 11.4x | Price over earnings per share |
| Revenue growth | +5.5% | Latest quarter vs the same quarter a year earlier |
| Net margin (TTM) | 41.1% | Profit for every 100 of sales |
| Net debt / EBITDA | Not meaningful (financial company) | Years of operating profit to repay debt |
| Dividend yield | 4.46% | Annual dividend over price |
| Market cap | €12.9 billion | What the stock market values it at |
The Bankinter figures come from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026. Any BKT figure that is not available shows as N/A: we do not estimate it.
How Bankinter makes money
Bankinter is a bank focused on Spain, with operations in Portugal and in Ireland through Avant Money. Its areas are corporate banking, retail banking and private banking, and it earns mainly net interest on mortgages and business loans, plus fees from wealth management and brokerage.
Over the last 12 months, Bankinter brought in revenue of €2.9 billion. Its operating margin, what Bankinter keeps from every 100 of sales after running costs, is 58.1%. With 6,667 full-time employees, that is about €430,000 of revenue per employee.
Bankinter against its sector
To know whether a Bankinter figure is high or low you have to put it next to similar companies. This table compares Bankinter with the median of the 20 banking companies Fintols covers, with data as of November 4, 2026.
| Figure | Bankinter | banking median |
|---|---|---|
| P/E | 11.4x | 12.2x (20) |
| Revenue growth | +5.5% | +7.3% (20) |
| Net margin | 41.1% | 32.6% (20) |
| Dividend yield | 4.46% | 3.55% (20) |
| ROE | 17.6% | 13.1% (19) |
In short, against the typical banking company, Bankinter grows more slowly, earns a wider margin and pays a higher dividend yield. By size, Bankinter ranks number 11 of 12 banking companies quoted in EUR on Fintols.
The bull case for Bankinter
These are the strengths in the Bankinter figures as of November 4, 2026:
- Its net margin over the last 12 months is 41.1% (sector median: 32.6%): Bankinter turns a large share of its sales into profit.
- For income seekers, Bankinter pays a dividend yielding 4.46% at today's price, using 49% of its profit to fund it.
- Bankinter earns 17.6% a year on its shareholders' money (return on equity), a high figure for a financial company.
The main risk for Bankinter
The Bankinter figures as of November 4, 2026 show no clear red flag (no heavy debt, no losses, no falling sales). Its main risk is the one built into its business: falling interest rates (which squeeze what it earns on loans) or rising bad loans if the economy weakens.
Frequently asked questions about Bankinter
Is it a good time to buy Bankinter stock?
Fintols does not tell you whether to buy or sell Bankinter, and nobody knows what the price will do tomorrow. What we can show you is where it stands today. As of November 4, 2026, Bankinter stock trades at €14.32, 16% below its 52-week high (€17.02) and 13% above its low (€12.67). Its P/E is 11.4x against a banking median of 12.2x, and 9.9x on the earnings analysts expect over the next 12 months. With Bankinter, as with any stock, timing matters less than understanding the business, investing for the long run and not betting everything on a single company.
Does Bankinter pay a dividend?
Yes. As of November 4, 2026, Bankinter pays €0.62 per share a year, which at today's price is a yield of 4.46%. It uses 49% of its profit to pay it, which leaves room to keep paying it if profit dips. Its average dividend yield over the last five years is 5.03%. The banking median on Fintols is 3.55%.
Is Bankinter stock expensive?
It depends on what you compare it with. On P/E, Bankinter trades at 11.4x its last 12 months of earnings: in line with the banking median (12.2x). For a financial company you also look at price to book value: 1.9x (banking median: 1.7x). A high P/E alone does not make Bankinter expensive: it can be justified if earnings grow fast, and a low one can reflect a business in trouble.
Who are Bankinter's competitors?
On Fintols we compare Bankinter with Banco Sabadell, Unicaja and Nordea, which are also in banking. As of November 4, 2026, Banco Sabadell is worth €16.8 billion and trades on a P/E of 14.3; Unicaja is worth €8.5 billion and trades on a P/E of 12.7; Nordea is worth €55.6 billion and trades on a P/E of 11.9. Each has a side-by-side comparison with Bankinter below.
Bankinter competitors
- Banco Sabadell (SAB) analysis · Bankinter vs Banco Sabadell comparison
- Unicaja (UNI) analysis · Bankinter vs Unicaja comparison
- Nordea (NDA-FI.HE) analysis · Bankinter vs Nordea comparison
To understand Bankinter better
- How to Read a Balance Sheet: A Beginner's Guide
- Dividend Growth Investing: FCF Payout Ratio and Compounding
More companies like Bankinter: banking stocks and IBEX 35 companies. Open the full BKT analysis with its valuation and scenarios. Educational content about Bankinter, not investment advice.