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Market Price

5.85 

-0.02 -0.4%

as of Apr 09 '21

52 Week Range:

3.05 6.06


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 to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers salary, non-salary, professional, basic, currency, pension, business, and current accounts, as well as deposit products; and mortgages and loan products, as well as financing services. The company also provides saving and investment products, including profiled funds, sustainable funds, investment funds, and themed funds, as well as funds for beginners; retirement funds and regular investment plans; and advisory, customized investment, wealth management, and alternative investment products and services. In addition, it offers accident, home, life, funeral, health, mortgage payment protection, and motor insurance products, as well as business insurance products. Further, the company provides various services, such as estate administration; switch; asset management; accounts management; and transfer services, as well as real estate and brokerage services. Additionally, it holds and purchases securities; issues debt securities; operates as special purpose vehicle; and operates as a credit institution. The company also offers retail, personal, private, commercial, and corporate banking products, as well as remote banking services. As of December 31, 2020, it operated through a network of 446 branches and 388 agents. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990. The company 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 '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 3.51
4.16
5.73
3.88
growth rate 18.5% 37.7% -32.3%
Earnings BIT 205.21
240.15
154.18
297.57
growth rate 17.0% -35.8% 93.0%
Avg.PE 20.28
21.23
21.23
18.35
14.57
16.68
12.26
9.67
15.73
growth rate 4.7% 0.0% -13.6% -7.4% 14.5% -26.5% -21.1% 62.7%
ROA 0.30
0.30
0.20
0.40
growth rate 0.0% -33.3% 100.0%
ROE 5.90
6.40
3.90
6.50
growth rate 8.5% -39.1% 66.7%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 105.65
147.55
186.19
342.42
165.38
236.27
151.70
80.16
growth rate 39.7% 26.2% 83.9% -51.7% 42.9% -35.8% -47.2%
Acct.Payable 30,818.79
30,674.66
37,289.33
49,009.97
52,843.39
55,963.49
64,267.14
77,017.34
growth rate -0.5% 21.6% 31.4% 7.8% 5.9% 14.8% 19.8%
Cur.Assets 7,175.49
7,699.84
6,816.01
7,201.68
9,263.87
11,532.39
11,197.33
19,585.69
growth rate 7.3% -11.5% 5.7% 28.6% 24.5% -2.9% 74.9%
Total Assets 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
83,732.35
96,252.09
growth rate 9.9% -2.2% -5.2% 3.9% 2.3% 14.5% 6.2% 7.3% 9.5% 15.0%
Cash 574.39
661.16
725.23
825.89
897.58
809.37
1,353.94
1,170.52
growth rate 15.1% 9.7% 13.9% 8.7% -9.8% 67.3% -13.6%
Inventory 369.21
356.67
318.29
303.02
225.43
196.16
192.92
1,708.41
growth rate -3.4% -10.8% -4.8% -25.6% -13.0% -1.7% 785.6%
Cur.Liabilities 40,725.89
42,741.54
42,719.10
53,005.47
57,448.73
62,153.20
69,019.59
82,083.78
growth rate 5.0% -0.1% 24.1% 8.4% 8.2% 11.1% 18.9%
Liabilities 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
78,932.38
91,287.94
growth rate 9.5% -2.6% -5.7% 3.6% 2.2% 15.0% 6.2% 7.5% 9.6% 15.7%
LT Debt 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
7,688.41
7,623.29
growth rate -8.4% -19.6% -29.6% -3.6% 23.1% -19.5% -8.2% -5.1% -1.1% -0.9%
Equity 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
4,799.96
4,964.16
growth rate 19.7% 4.7% 5.3% 7.1% 4.3% 7.9% 6.3% 3.0% 7.0% 3.4%
Common Shares 735.84
741.62
563.73
1,441.32
269.66
269.66
269.66
269.66
269.66
269.66
269.66
growth rate 0.8% -24.0% 155.7% -81.3% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 18.50
48.70
14.40
27.17
83.98
83.02
44.11
23.98
19.73
57.70
17.91
growth rate 163.2% -70.4% 88.7% 209.0% -1.1% -46.9% -45.6% -17.7% 192.5% -69.0%
Cash Dividends 110.40
58.40
72.20
63.40
90.10
206.22
189.45
224.50
258.41
264.66
87.76
growth rate -47.1% 23.6% -12.2% 42.1% 128.9% -8.1% 18.5% 15.1% 2.4% -66.8%
Cash From OA 1,544.90
186.70
-132.59
846.62
-805.03
270.22
1,779.11
2,228.92
175.73
156.48
8,538.31
growth rate -87.9% -100.0% 100.0% -100.0% 100.0% 558.4% 25.3% -92.1% -11.0% 5,356.7%
Sale Purchase of Stock 50.35
64.52
56.90
growth rate 28.2% -11.8%
FCF 153.90
39.80
-20.20
819.45
-889.01
187.20
1,735.00
2,204.94
156.00
98.78
8,520.40
growth rate -74.1% -100.0% 100.0% -100.0% 100.0% 826.8% 27.1% -92.9% -36.7% 8,526.0%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 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
1,495.95
1,266.60
growth rate -10.1% -7.8% -27.6% 20.9% 13.5% 13.8% 12.5% 11.4% -19.9% -15.3%
Op.Income 229.10
273.20
170.10
322.81
393.01
584.14
607.64
763.57
800.56
626.63
383.99
growth rate 19.3% -37.7% 89.8% 21.7% 48.6% 4.0% 25.7% 4.9% -21.7% -38.7%
IBT 205.21
240.15
154.18
392.84
520.33
676.71
677.12
721.09
606.98
230.54
growth rate 17.0% -35.8% 59.6% 32.5% 30.1% 0.1% 6.5% -15.8% -62.0%
Net Income 150.70
181.20
124.70
189.90
275.89
375.92
490.11
495.21
526.40
550.67
317.12
growth rate 20.2% -31.2% 52.3% 45.3% 36.3% 30.4% 1.0% 6.3% 4.6% -42.4%
EPS 0.21
0.22
0.23
0.27
growth rate 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
1,495.95
1,266.60
growth rate 20.9% 13.5% 13.8% 12.5% 11.4% -19.9% -15.3%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Balance Sheet
Acct.Receivable 336.73
544.73
190.95
80.16
growth rate 61.8% -65.0% -35.2%
Acct.Payable 64,267.14
66,321.52
72,190.69
77,017.34
growth rate 3.2% 8.9% 3.3%
Cur.Assets 11,197.33
13,687.71
16,416.32
19,585.69
growth rate 22.2% 19.9% 9.2%
Total Assets 83,732.35
86,586.92
92,828.96
96,252.09
growth rate 3.4% 7.2% 1.8%
Cash 1,353.94
7,271.18
694.22
1,170.52
growth rate 437.0% -90.5% 29.9%
Inventory 192.92
1,631.87
1,730.83
1,708.41
growth rate 745.9% 6.1% -0.7%
Cur.Liabilities 69,019.59
71,191.30
76,552.17
82,083.78
growth rate 3.2% 7.5% 3.6%
Liabilities 78,932.38
81,922.20
88,108.13
91,287.94
growth rate 3.8% 7.6% 1.8%
LT Debt 7,688.41
8,350.53
8,354.20
7,623.29
growth rate 8.6% 0.0% -4.5%
Equity 4,799.96
4,664.71
4,720.84
4,720.84
4,964.16
growth rate -2.8% 1.2% 0.0% 5.2%
Common Shares 269.66
4,647.75
269.66
269.66
growth rate 1,623.6% -94.2% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures
growth rate
Cash Dividends
growth rate
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 467.35
330.47
226.42
350.50
361.38
growth rate -29.3% -31.5% 54.8% 3.1%
Op.Income 249.54
101.14
-1.06
142.40
76.26
growth rate -59.5% -100.0% 100.0% -46.5%
IBT 153.59
101.14
-39.31
91.40
77.28
growth rate -34.2% -100.0% 100.0% -15.5%
Net Income 106.28
130.29
-21.15
110.90
97.06
growth rate 22.6% -100.0% 100.0% -12.5%
EPS
growth rate
Gross Profit 467.35
330.47
226.42
350.50
361.38
growth rate -29.3% -31.5% 54.8% 3.1%

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:

D (48.95)

YOY Growth Grade:

E (25.16)

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 17.79 17.73 9.03
EPS / Growth 23.8% 0.33 8.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 5.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.2% 6.6% 6.6%
Future PE 9.03 13.34 13.34
Future EPS 0.55 0.63 0.63
Value Price
MOS %
1.22
-79.1%
2.06
-64.8%
2.06
-64.8%
MOS Price 0.61 1.03 1.03
IRT 12.41 11.58 11.58

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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