Bankinter, S.A. (BKT.MC) stock analysis

In our weekly check, Bankinter, S.A. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 15 pass, warnings: 1, red flags: 9.

About Bankinter, S.A.

Bankinter, S.A. is a Financial Services company (Banks - Regional) based in Spain, listed on BME as BKT.MC.

What our checks show for BKT.MC

Red flags

• The net margin fell by 38.2 points over 5 years, to 23.1%: the company keeps less of each sale as profit.
• The gross margin fell by 26.7 points, to 65.4%: costs are rising faster than prices.
• Operating cash flow is negative while the company reports a profit: the profit does not arrive as cash.
• Analysts expect revenue to shrink about 7.6% a year.
• Free cash flow is negative (-211% of revenue): the business spends more cash than it brings in.
• The stock has fallen as much as 85% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 5.5 years.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Return on capital (ROCE) is only 6.8%.

Strengths

• Analysts expect the net margin to improve by 15.1 points from today's 23.1%.
• Revenue grew 23.6% a year over the last 3 years.
• Earnings per share grew 25.3% a year over the last 3 years.
• Net profit grew 24.8% a year over the last 3 years.
• The company keeps 23.1% of its revenue as net profit.
• The dividend takes 42% of profit: there is a cushion.

Next earnings report: 2027-01-21

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Questions

What grade does Bankinter, S.A. (BKT.MC) have?

In our weekly check, Bankinter, S.A. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 15 pass, warnings: 1, red flags: 9. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BKT.MC stock?

This week's biggest flags for Bankinter, S.A.: Margins falling, Gross margin falling, Profits not backed by cash. In total 10 of 25 checks show a warning or a red flag.

What does Bankinter, S.A. do?

Bankinter, S.A. is a Financial Services company (Banks - Regional) based in Spain, listed on BME as BKT.MC.

When does Bankinter, S.A. report earnings next?

The next earnings report is expected on 2027-01-21. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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