Bankinter, S.A.
Bankinter, S.A. Fundamental Analysis
Bankinter, S.A. (BKIMF) shows moderate financial fundamentals with a PE ratio of 11.48, profit margin of 23.10%, and ROE of 17.35%. The company generates $4.7B in annual revenue with weak year-over-year growth of -9.48%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 27.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BKIMF's fundamental strength across five key dimensions:
Efficiency Score
WeakBKIMF struggles to generate sufficient returns from assets.
Valuation Score
ModerateBKIMF shows balanced valuation metrics.
Growth Score
ModerateBKIMF shows steady but slowing expansion.
Financial Health Score
WeakBKIMF carries high financial risk with limited liquidity.
Profitability Score
ModerateBKIMF maintains healthy but balanced margins.
Key Financial Metrics
Is BKIMF Expensive or Cheap?
P/E Ratio
BKIMF trades at 11.48 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BKIMF's PEG of 2.50 indicates potential overvaluation.
Price to Book
The market values Bankinter, S.A. at 1.95 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 11.24 times EBITDA. This signals the market has high growth expectations.
How Well Does BKIMF Make Money?
Net Profit Margin
For every $100 in sales, Bankinter, S.A. keeps $23.10 as profit after all expenses.
Operating Margin
Core operations generate 32.30 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $17.35 in profit for every $100 of shareholder equity.
ROA
Bankinter, S.A. generates $0.83 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Bankinter, S.A. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Bankinter, S.A. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
BKIMF converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.48
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
2.50
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.95
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.65
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.62
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.14
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.07
vs 25 benchmark
How BKIMF Stacks Against Its Sector Peers
| Metric | BKIMF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.48 | 19.11 | Better (Cheaper) |
| ROE | 17.35% | 821.00% | Weak |
| Net Margin | 23.10% | 1655.00% | Weak |
| Debt/Equity | 1.62 | 1.00 | Weak (High Leverage) |
| Current Ratio | 0.14 | 659.22 | Weak Liquidity |
| ROA | 0.83% | 1976.00% | Weak |
BKIMF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Bankinter, S.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
136.91%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
243.69%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-216.11%
Industry Style: Value, Dividend, Cyclical
Declining