Strong digital transformation, robust risk management, and disciplined deposit strategies are enhancing profitability, operating leverage, and resilience across core and expanding markets. Strategic focus on wealth management growth and international diversification is driving recurring revenue streams, margin stability, and premium valuation.
Cyborg Score Rationale
Over the last year Bankinter SA has showed a 63.75% increase, with strong analyst coverage and consistent profitability. The company benefits from digital leadership and expanding geographic reach, though valuation multiples suggest market confidence is justified but not excessive.
Top Insights
At the end of 2025, the bank managed EUR 96.2 billion in current deposits and EUR 80.7 billion in current credits.
Bankinter SA dividend yield was 5.62% in 2024, and payout ratio reached 40.50%, down from 6.57% the year before.
Strong digital transformation, robust risk management are identified as key competencies
Bankinter received a Buy rating from Citi as of January 6, 2026
Named Competitors
BBVA — Spain's second-largest bank by assets
Santander — Major Spanish and European banking group
CaixaBank — Leading Catalan and Spanish retail bank
Recent Developments
(January 2026) Received Buy rating from Citi
(December 2025) Q3 2025 earnings showed 0.29 EUR per share, beating estimates of 0.27 EUR
(September 2025) Reported 6,660 employees; trading near 52-week highs
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