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Market Price

7.14 

0.06 0.9%

as of Mar 20 '19

52 Week Range:

6.50 9.19


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 for individual and corporate customers, and small and medium-sized enterprises in Spain and internationally. The company offers private banking services, including various funds; personal, corporate, and retail banking services; mortgages; and consumer finance services comprising credit cards and loans. It also provides investment banking services, such as mergers and acquisitions, capital market, and structured and alternative financing services; and guarantees, import and export letters of credit, and medium and long-term structured finance services, as well as equities, asset management and specialized advisory, and delegated management services. In addition, the company offers insurance and pension plans; and telephone, Internet, and mobile banking services, as well as ATM services. As of December 31, 2017, it had 364 universal offices, 48 private banking centers, 72 business centers, and 22 corporate banking management centers. 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) 2.79
2.67
3.57
4.14
5.58
3.77
4.06
4.18
4.53
4.78
4.95
growth rate -4.3% 33.7% 16.0% 34.8% -32.4% 7.7% 3.0% 8.4% 5.5% 3.6%
Avg.PE 13.21
13.21
16.48
12.02
growth rate 0.0% 24.8% -27.1%
ROA 0.49
0.47
0.28
0.32
0.21
0.38
0.49
0.65
0.77
0.70
0.70
growth rate -4.1% -40.4% 14.3% -34.4% 81.0% 29.0% 32.7% 18.5% -9.1% 0.0%
ROE 13.60
11.27
5.87
6.40
3.95
6.49
7.83
10.10
12.22
11.44
11.62
growth rate -17.1% -47.9% 9.0% -38.3% 64.3% 20.7% 29.0% 21.0% -6.4% 1.6%
Leverage 27.23
21.33
20.99
19.27
18.00
16.20
15.74
15.44
16.40
16.37
17.05
growth rate -21.7% -1.6% -8.2% -6.6% -10.0% -2.8% -1.9% 6.2% -0.2% 4.2%
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 87.00
105.65
147.55
186.19
342.42
328.13
756.75
growth rate 21.4% 39.7% 26.2% 83.9% -4.2% 130.6%
Acct.Payable 31,644.00
30,818.79
30,674.66
37,289.33
49,009.97
52,843.39
56,925.31
growth rate -2.6% -0.5% 21.6% 31.4% 7.8% 7.7%
Cur.Assets 4,674.00
7,175.49
7,699.84
6,816.01
7,201.68
9,263.87
11,800.45
growth rate 53.5% 7.3% -11.5% 5.7% 28.6% 27.4%
Total Assets 58,166.00
55,157.67
57,332.97
58,659.81
67,182.47
71,332.65
76,501.54
growth rate -5.2% 3.9% 2.3% 14.5% 6.2% 7.3%
Cash 476.00
574.39
661.16
725.23
825.89
897.58
5,503.43
growth rate 20.7% 15.1% 9.7% 13.9% 8.7% 513.1%
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 42,964.00
40,725.89
42,741.54
42,719.10
53,005.47
57,448.73
61,527.75
growth rate -5.2% 5.0% -0.1% 24.1% 8.4% 7.1%
Liabilities 54,935.00
51,805.47
53,689.53
54,861.63
63,085.09
66,975.51
72,015.69
growth rate -5.7% 3.6% 2.2% 15.0% 6.2% 7.5%
LT Debt 10,877.00
9,339.43
9,003.42
11,078.95
8,915.47
8,187.47
7,772.13
growth rate -14.1% -3.6% 23.1% -19.5% -8.2% -5.1%
Equity 3,643.45
3,798.18
4,097.38
4,357.14
4,485.85
growth rate 4.3% 7.9% 6.3% 3.0%
Common Shares 625.00
700.00
736.00
805.00
542.00
826.00
897.00
269.66
269.66
269.66
4,344.19
growth rate 12.0% 5.1% 9.4% -32.7% 52.4% 8.6% -69.9% 0.0% 0.0% 1,511.0%
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 16.00
27.17
83.98
83.02
44.11
23.98
growth rate 69.8% 209.0% -1.1% -46.9% -45.6%
Cash Dividends 90.10
206.22
189.45
224.50
growth rate 128.9% -8.1% 18.5%
Cash From OA 846.62
-805.03
270.22
1,779.11
2,228.92
growth rate -100.0% 100.0% 558.4% 25.3%
FCF per Share 0.64
-0.73
1.79
1.99
0.16
-0.72
-0.53
-0.99
0.18
1.89
0.86
growth rate -100.0% 100.0% 11.2% -92.0% -100.0% 0.0% 0.0% 100.0% 950.0% -54.5%
Sale Purchase of Stock 50.35
64.52
56.90
growth rate 28.2% -11.8%
FCF -458.00
1,049.00
1,468.00
92.00
-157.00
807.00
-902.00
164.00
1,711.00
2,165.00
87.00
growth rate 100.0% 39.9% -93.7% -100.0% 100.0% -100.0% 100.0% 943.3% 26.5% -96.0%
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 820.00
954.16
1,153.74
1,309.08
1,489.92
1,674.53
1,868.07
growth rate 16.4% 20.9% 13.5% 13.8% 12.4% 11.6%
Op.Income 125.00
322.81
393.01
584.14
607.64
737.14
721.09
growth rate 158.3% 21.7% 48.6% 4.0% 21.3% -2.2%
IBT 392.84
520.33
676.71
677.12
721.09
growth rate 32.5% 30.1% 0.1% 6.5%
Net Income 125.00
189.90
275.89
375.92
490.11
495.21
526.40
growth rate 51.9% 45.3% 36.3% 30.4% 1.0% 6.3%
EPS 0.37
0.37
0.21
0.22
0.23
0.23
0.31
0.42
0.54
0.54
0.57
growth rate 0.0% -43.2% 4.8% 4.6% 0.0% 34.8% 35.5% 28.6% 0.0% 5.6%
Gross Profit 820.00
954.16
1,153.74
1,309.08
1,489.92
1,674.53
1,868.07
growth rate 16.4% 20.9% 13.5% 13.8% 12.4% 11.6%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Balance Sheet
Acct.Receivable 340.94
696.26
261.14
642.80
756.75
growth rate 104.2% -62.5% 146.2% 17.7%
Acct.Payable 52,843.39
53,778.51
56,700.79
56,998.46
56,925.31
growth rate 1.8% 5.4% 0.5% -0.1%
Cur.Assets 9,263.87
8,869.02
11,510.12
12,013.46
11,800.45
growth rate -4.3% 29.8% 4.4% -1.8%
Total Assets 71,332.65
71,289.65
76,103.24
76,280.71
76,501.54
growth rate -0.1% 6.8% 0.2% 0.3%
Cash 897.58
5,058.76
692.11
6,680.06
5,503.43
growth rate 463.6% -86.3% 865.2% -17.6%
Inventory 225.43
216.61
210.88
200.54
196.16
growth rate -3.9% -2.7% -4.9% -2.2%
Cur.Liabilities 57,448.73
56,555.14
60,521.15
61,023.53
61,527.75
growth rate -1.6% 7.0% 0.8% 0.8%
Liabilities 66,975.51
66,879.49
71,705.92
71,829.26
72,015.69
growth rate -0.1% 7.2% 0.2% 0.3%
LT Debt 8,187.47
7,817.43
7,804.59
7,797.85
7,772.13
growth rate -4.5% -0.2% -0.1% -0.3%
Equity 4,357.14
4,410.16
4,397.32
4,451.44
4,485.85
growth rate 1.2% -0.3% 1.2% 0.8%
Common Shares 269.66
4,130.65
269.66
4,275.42
4,344.19
growth rate 1,431.8% -93.5% 1,485.5% 1.6%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 437.29
471.17
473.69
470.72
452.49
growth rate 7.8% 0.5% -0.6% -3.9%
Op.Income 219.53
195.92
161.93
195.10
168.15
growth rate -10.8% -17.4% 20.5% -13.8%
IBT 159.52
195.92
161.93
195.10
168.15
growth rate 22.8% -17.4% 20.5% -13.8%
Net Income 119.16
143.02
118.21
142.42
122.75
growth rate 20.0% -17.4% 20.5% -13.8%
Gross Profit 437.29
471.17
473.69
470.72
452.49
growth rate 7.8% 0.5% -0.6% -3.9%

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 (47.52)

YOY Growth Grade:

D (44.89)

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 12.53 12.53
EPS / Growth 0.57

Value Price & Investment Recovery Time

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

Equity Growth Rate: 4.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 4.7% 4.7% 4.7%
Future PE 0.01 7.29 7.29
Future EPS 0.90 0.90 0.90
Value Price
MOS %
0.00
-100.0%
1.62
-77.3%
1.62
-77.3%
MOS Price 0.00 0.81 0.81
IRT 9.73 9.73 9.73

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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