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Market Price

5.35 

-0.09 -1.7%

as of Aug 19 '19

52 Week Range:

5.18 8.29


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Bankinter, S.A. provides various banking products and services in Spain. The company operates through Commercial Banking, Private Banking, Personal Banking, Individual Banking, Foreigners, Corporate Banking, Consumer Finance, Línea Directa Aseguradora, Bankinter Portugal, and Other Businesses segments. It offers salary, professional, private bank, and personal finance accounts, as well as deposit products, such as fixed term, customized, increment, and structured deposits. The company also provides investment products and services that include investment funds, pension plans, unit linked products, and securities portfolios, as well as asset management services; and cards and loan products. In addition, it offers various services, such as property management services; telephone assistance services; consulting services; insurance intermediary services; vehicle check and travel assistance services; venture capital and fund management services; vehicle repair services, as well as services for motorcycle users; private banking services; and brokerage services, as well as operates as a credit institution. Further, the company issues preference shares and bonds. As of December 31, 2018, it operated through a network of 444 branches and 363 agents. 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 founded in 1965 and is headquartered in Madrid, Spain.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 3.14
3.51
3.51
4.16
5.73
3.88
growth rate 11.8% 0.0% 18.5% 37.7% -32.3%
Earnings BIT 336.97
345.94
205.21
240.15
154.18
297.57
growth rate 2.7% -40.7% 17.0% -35.8% 93.0%
Avg.PE 14.71
20.70
20.28
21.23
21.23
18.35
14.57
16.68
12.26
growth rate 40.7% -2.0% 4.7% 0.0% -13.6% -7.4% 14.5% -26.5%
ROA 0.50
0.50
0.30
0.30
0.20
0.40
growth rate 0.0% -40.0% 0.0% -33.3% 100.0%
ROE 13.60
11.30
5.90
6.40
3.90
6.50
growth rate -16.9% -47.8% 8.5% -39.1% 66.7%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 105.65
147.55
186.19
342.42
328.13
399.29
growth rate 39.7% 26.2% 83.9% -4.2% 21.7%
Acct.Payable 30,818.79
30,674.66
37,289.33
49,009.97
52,843.39
56,366.37
growth rate -0.5% 21.6% 31.4% 7.8% 6.7%
Cur.Assets 7,175.49
7,699.84
6,816.01
7,201.68
9,263.87
11,532.39
growth rate 7.3% -11.5% 5.7% 28.6% 24.5%
Total Assets 53,469.60
54,467.50
54,152.00
59,491.40
58,165.90
55,157.67
57,332.97
58,659.81
67,182.47
71,332.65
76,501.54
growth rate 1.9% -0.6% 9.9% -2.2% -5.2% 3.9% 2.3% 14.5% 6.2% 7.3%
Cash 574.39
661.16
725.23
825.89
897.58
809.37
growth rate 15.1% 9.7% 13.9% 8.7% -9.8%
Inventory 369.21
356.67
318.29
303.02
225.43
196.16
growth rate -3.4% -10.8% -4.8% -25.6% -13.0%
Cur.Liabilities 40,725.89
42,741.54
42,719.10
53,005.47
57,448.73
62,556.08
growth rate 5.0% -0.1% 24.1% 8.4% 8.9%
Liabilities 51,506.30
51,914.50
51,497.80
56,404.40
54,934.80
51,805.47
53,689.53
54,861.63
63,085.09
66,975.51
72,015.69
growth rate 0.8% -0.8% 9.5% -2.6% -5.7% 3.6% 2.2% 15.0% 6.2% 7.5%
LT Debt 14,700.74
19,089.81
18,014.05
16,498.41
13,267.05
9,339.43
9,003.42
11,078.95
8,915.47
8,187.47
7,772.13
growth rate 29.9% -5.6% -8.4% -19.6% -29.6% -3.6% 23.1% -19.5% -8.2% -5.1%
Equity 1,963.40
2,582.90
2,579.70
3,087.00
3,231.10
3,403.50
3,643.45
3,798.18
4,097.38
4,357.14
4,485.85
growth rate 31.6% -0.1% 19.7% 4.7% 5.3% 7.1% 4.3% 7.9% 6.3% 3.0%
Common Shares 625.81
736.59
735.84
741.62
563.73
1,441.32
269.66
269.66
269.66
269.66
269.66
growth rate 17.7% -0.1% 0.8% -24.0% 155.7% -81.3% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 61.50
117.30
18.50
48.70
14.40
27.17
83.98
83.02
44.11
23.98
19.73
growth rate 90.7% -84.2% 163.2% -70.4% 88.7% 209.0% -1.1% -46.9% -45.6% -17.7%
Cash Dividends 0.00
130.40
110.40
58.40
72.20
63.40
90.10
206.22
189.45
224.50
258.41
growth rate -15.3% -47.1% 23.6% -12.2% 42.1% 128.9% -8.1% 18.5% 15.1%
Cash From OA -307.70
1,215.20
1,544.90
186.70
-132.59
846.62
-805.03
270.22
1,779.11
2,228.92
175.73
growth rate 100.0% 27.1% -87.9% -100.0% 100.0% -100.0% 100.0% 558.4% 25.3% -92.1%
Sale Purchase of Stock 50.35
64.52
56.90
growth rate 28.2% -11.8%
FCF 66.90
-365.10
153.90
39.80
-20.20
819.45
-889.01
187.20
1,735.00
2,204.94
156.00
growth rate -100.0% 100.0% -74.1% -100.0% 100.0% -100.0% 100.0% 826.8% 27.1% -92.9%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 1,085.20
1,581.20
1,588.60
1,428.60
1,317.80
954.16
1,153.74
1,309.08
1,489.92
1,675.87
1,866.81
growth rate 45.7% 0.5% -10.1% -7.8% -27.6% 20.9% 13.5% 13.8% 12.5% 11.4%
Op.Income 336.50
362.80
229.10
273.20
170.10
322.81
393.01
584.14
607.64
763.57
800.56
growth rate 7.8% -36.9% 19.3% -37.7% 89.8% 21.7% 48.6% 4.0% 25.7% 4.9%
IBT 336.97
345.94
205.21
240.15
154.18
392.84
520.33
676.71
677.12
721.09
growth rate 2.7% -40.7% 17.0% -35.8% 59.6% 32.5% 30.1% 0.1% 6.5%
Net Income 252.30
254.40
150.70
181.20
124.70
189.90
275.89
375.92
490.11
495.21
526.40
growth rate 0.8% -40.8% 20.2% -31.2% 52.3% 45.3% 36.3% 30.4% 1.0% 6.3%
EPS 0.37
0.37
0.21
0.22
0.23
0.27
growth rate 0.0% -43.2% 4.8% 4.6% 17.4%
Gross Profit 954.16
1,153.74
1,309.08
1,489.92
1,675.87
1,866.81
growth rate 20.9% 13.5% 13.8% 12.5% 11.4%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Balance Sheet
Acct.Receivable 261.14
642.80
399.29
734.42
267.74
growth rate 146.2% -37.9% 83.9% -63.5%
Acct.Payable 56,700.79
56,998.46
56,366.37
58,130.93
62,694.47
growth rate 0.5% -1.1% 3.1% 7.9%
Cur.Assets 11,510.12
12,013.46
11,532.39
12,676.16
10,704.87
growth rate 4.4% -4.0% 9.9% -15.6%
Total Assets 76,103.24
76,280.71
76,501.54
78,287.22
82,764.65
growth rate 0.2% 0.3% 2.3% 5.7%
Cash 692.11
6,680.06
809.37
5,542.18
900.02
growth rate 865.2% -87.9% 584.8% -83.8%
Inventory 210.88
200.54
196.16
179.57
206.34
growth rate -4.9% -2.2% -8.5% 14.9%
Cur.Liabilities 60,521.15
61,023.53
62,556.08
62,632.02
66,795.01
growth rate 0.8% 2.5% 0.1% 6.7%
Liabilities 71,705.92
71,829.26
72,015.69
73,740.03
78,087.07
growth rate 0.2% 0.3% 2.4% 5.9%
LT Debt 7,804.59
7,797.85
7,772.13
8,247.24
7,828.34
growth rate -0.1% -0.3% 6.1% -5.1%
Equity 4,397.32
4,451.44
4,485.85
4,547.20
4,677.58
growth rate 1.2% 0.8% 1.4% 2.9%
Common Shares 269.66
4,275.42
269.66
4,390.10
269.66
growth rate 1,485.5% -93.7% 1,528.0% -93.9%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures
growth rate
Cash Dividends
growth rate
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 473.69
470.72
451.23
478.38
460.54
growth rate -0.6% -4.1% 6.0% -3.7%
Op.Income 161.93
195.10
247.62
198.61
191.92
growth rate 20.5% 26.9% -19.8% -3.4%
IBT 161.93
195.10
168.15
198.61
208.26
growth rate 20.5% -13.8% 18.1% 4.9%
Net Income 118.21
142.42
122.75
144.98
164.06
growth rate 20.5% -13.8% 18.1% 13.2%
EPS
growth rate
Gross Profit 473.69
470.72
451.23
478.38
460.54
growth rate -0.6% -4.1% 6.0% -3.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (24.17)

YOY Growth Grade:

E (26.93)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.69 8.55 8.37
EPS / Growth 23.8% 0.63 7.7%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.8% 6.7% 6.7%
Future PE 8.37 10.17 10.17
Future EPS 1.09 1.20 1.20
Value Price
MOS %
2.27
-57.6%
3.01
-43.6%
3.01
-43.6%
MOS Price 1.13 1.51 1.51
IRT 6.82 6.61 6.61

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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