Bankinter, S.A. (BKNIY) 📈: отчетность и дивиденды за 2025

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд €		6.71	6.31	7.94	8.67	6.25	4.34	5.43	5.17	5.82		5.81	5.40	-1.42
Выручка, млрд €			1.76	1.94	2.05	2.17	1.85	2	2.23	2.91	3.08	3.08	2.41	10.73
Чистая прибыль, млрд €			0.4901	0.4952	0.5264	0.5265	0.3171	1.33	0.5602	0.8448	0.953	0.953	0.8010	24.62
EV, млрд €	37.97				9.46	25.91	-4.91	9.03	-1.37	-10.23	-8.64	-8.64	-3.2240	11.97
EBIT, млрд €		0.5203	0.6767	0.6771	0.7211	0.7414	0.3735	1.47	0.785	0.0316		0.0316	0.6803	-46.80
EBITDA, млрд €		0.582	0.7356	0.7381	0.7829	0.8223	0.4491	1.55	0.8651	0.1136		0.1136	0.7600	-32.69
OIBDA, млрд €							0.5055	1.69	1.09	0.663			0.9871	7.02
Баланс стоимость, млрд €			4.1	4.36	4.49	4.8	4.96	4.85	4.9	5.32	5.88	5.88	5.18	3.46
FCF, млрд €			1.71	2.16	0.0867	0.0112	8.45	6.98	-8.11	0.568	1.79	1.79	1.94	-26.68
Операционный денежный поток, млрд €			1.78	2.23	0.1757	0.1565	8.54	7.05	-8.03	0.6584	1.94	1.94	2.03	-25.65
Операционная прибыль, млрд €			0.6767	0.6771	0.7211	0.7414	0.3735	1.47	0.785	1.39	1.81	1.81	1.17	37.11
Операционные расходы, млрд €			1.01	1.09	1.26	1.32	1.1	1.08	1.21	2.89	1.27	1.27	1.51	2.92
CAPEX, млрд €			0.0679	0.0642	0.0891	0.1453	0.0867	0.0673	0.0723	0.0904	0.1511	0.1511	0.0936	11.75

	2009Q1	2009Q2	2010Q1	2010Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд €					4.88	4.88	5.12	5.59	4.68	5.44	6.09	5.35	5.93	5.91					5.74	1.67
Выручка, млрд €									0.5591	0.6407	0.7004	0.5878	0.7357	1.28	0.7671	0.759	0.753	0.7643	0.8647	-9.80
Чистая прибыль, млрд €									0.1591	0.1301	0.1847	0.2332	0.2668	0.1601	0.2008	0.2727	0.2576	0.2219	0.2226	6.75
EV, млрд €									-6.35	-1.33	-1.85	0.5893	1.35	9.91	3.46	14.91	-5.69	-8.64	2.79	-197.29
EBIT, млрд €								0.3192	0.4554	0.527	0.274	0.3102	0.3576	0.8593	0.3053	0.381	0.4423		0.4691	4.34
EBITDA, млрд €								0.1596	0.2277	0.1835	0.2944	0.3308	0.3784	0.8796	0.3267	-0.0077	0		0.3816	-147.14
OIBDA, млрд €														0.7263	0.4526	0.2226	0.1847		0.3966	-28.99
Баланс стоимость, млрд €									4.89	4.9	4.98	5.1	5.29	5.32	5.43	5.64	5.92	5.88	5.64	2.02
FCF, млрд €					0	0	0	0	0	0	0.0408	0.0412	0.0415	0.0406					0.0410	-0.12
Операционный денежный поток, млрд €	1.01	-0.0798	1.35	-0.1572							0.0408	0.0412	0.0415	0.0406					0.0014	-176.28
Операционная прибыль, млрд €									0.2277	0.1835	0.2944	0.3308	0.3784	0.0068	0.3267	0.503	0.4423	0.4031	0.3364	126.25
Операционные расходы, млрд €									0.2726	0.3744	0.3368	0.3365	0.2831	0.3564	0.3631	0.256	0.3107	0.3612	0.3295	0.27

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд €			3.59	5.63	5.54	7.4	16.07	24.02	13.35	16.11	15.42	15.42	16.99	-0.82
Short Term Investments €	0.7073				0.0000					13.95		28.96	7.33	344.10
Long term investments €	7.69	7.03	7.98	8.76	11.52	12.66	11.93	14.9	17.04	14.66			14.24	2.98
Total Receivables €			0.1471	0.1627	0.163	0.185	0.0966	0.1191	0.1256	0.1468	0.1514	0.1514	0.1279	9.40
Total Current Assets €			3.74	5.8	5.7	7.59	16.17	24.14	13.48	19.08	15.57	15.57	17.69	-0.75
Чистые активы, млрд €	0.4994	0.4532	0.4287	0.421	0.4059	0.534	0.4551	0.4504	0.4479				0.4587	1.99
Активы, млрд €			67.18	71.33	76.5	83.73	96.25	107.58	107.51	113.01	121.97	121.97	109.26	4.85
Short Term Debt €	21.71					0.0033			1.95	8.59		8.59	8.06	-20.69
Long Term Debt €	10.89	12.03	14.61	61.34	35.15	27.06							30.04	17.60
Задолженность, млрд €			63.09	66.98	72.02	78.93	91.29	102.73	102.6	107.69	116.09	116.09	104.08	4.92
Чистый долг, млрд €			5.36	2.62	2.22	0.2362	-8.5	-16.29	-6.92	-16.11	-15.42	-15.42	-12.6480	12.65
Долг, млрд €	32.6				8.22	27.07	8.03	7.97	6.43	20.14		20.14	13.93	-5.74
Interest income €			1.27	1.36	1.41	1.5	1.39	1.45	1.77	3.14			1.85	15.92
Расходы на обслуживание долга €			0.2924	0.2268	0.2262	0.2009	0.1387	0.1711	0.2309	1.46	2.12	2.12	0.8241	72.52
Чист. проц. доходы, млрд €			0.979	1.06	1.09	1.19	1.25	1.28	1.54	2.11		3.52	1.47	12.14
Goodwill €	0.1641	0.1641	0.1641	0.1641	0.1641	0.1641	0.0023	0.0023	0.0023	0.0023			0.0347	-57.41
Амортизация, млрд €			0.0589	0.0609	0.0618	0.0809	0.0756	0.0778	0.0801	0.0821	0.0875	0.0875	0.0806	2.97
Себестоимость, млрд €										-1.66	0.0331	0.0331	-0.8135	-114.12
Товарно материальные запасы €		0.3457	0.303	0.2254	0.1962	-8.93	-18.1	-24.82	16.4	12.71		12.71	-4.5480	-207.31

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд €																					16.84	13.35	13.17	12.24	12.51	16.11	9.88	11.38	12.9	15.42	13.14	-0.87
Short Term Investments €								0.0000																		28.96					28.96	0.00
Long term investments €																	14.55	14.9	15.35	12.84	17.93	17.04	16.16	14.24	16.78	14.66					15.78	-2.96
Total Receivables €																	0.488	0.1191	0.7633	0.3872	0.7467	0.1256	0.6555		0.5452	0.1468				0.1514	0.3249	3.81
Total Current Assets €																					16.84	13.48	13.17	12.24	12.51	16.93	9.88	18.08	12.9	15.57	14.67	-1.66
Чистые активы, млрд €															0.4588	0.459	0.4523	0.4504	0.4437	0.4464	0.4459	0.4479	0.4415		0.4365						0.4436	-0.45
Активы, млрд €																					110.5	107.51	105.95	110.1	108.36	113.01	112.94	118.4	118.38	121.97	116.94	1.54
Short Term Debt €	7.58	8.3	9.28	11.43	9.66	16 362.65																1.95				8.59					3278.86	-5.55
Long Term Debt €			9.25	9.83	9.62	9.08	9.03	8.92	29.06	29.6	21.17	27.06																			23.16	24.85
Задолженность, млрд €																					5.81	102.6	6.91	7.66	8.45	107.69	8.03	112.76	112.45	116.09	91.40	1.51
Чистый долг, млрд €																					-11.04	-6.92	-6.26	-4.58	-4.07	4.03	-1.85	7.61	-12.9	-15.42	-3.7060	-230.78
Долг, млрд €					19.28	16 371.73															6.16	6.82	7.47	7.66	8.45	20.14	8.03	18.99			12.65	19.91
Interest income €																	0.3606	0.3691	0.3688	0.4004	0.4555	0.5429	0.7161	0.8767	1.01	1.08					0.8451	14.75
Расходы на обслуживание долга €																					0.0557	0.0717	0.1939	0.3307	0.4369	0.5027	0.5026	0.536	0.5657	0.5171	0.5248	0.57
Чист. проц. доходы, млрд €																			0.32	0.3457	0.3998	0.4712	0.5222	0.546	0.5705	0.5748	1.21	1.25			0.8303	18.02
Goodwill €										0.1641		0.1641	0.0023	0.0023		0.0023		0.0023		0.0023		0.0023		0.0023		0.0023					0.0023	0.00
Амортизация, млрд €																				-0.1596	-0.2277	-0.3435	0.0204	0.0206	0.0208	0.0203	0.0214	-0.3887	-0.4423		-0.1537	-284.30
Товарно материальные запасы €														1.71	1.76	0.1336	0.1181	0.1062		0.0652	0.0613	-16.4			0.0393	12.71					-0.7048	187.06

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.6174	0.6538	0.6813	0.6728	0.415	0.5404	0.6234	0.9401	1.06		1.06	0.7158	20.63
Цена акции ао		9.32	8.25	7.54	5.25	5.15	6.57	6.51	7.82	13.1	13.1	7.83	20.53
Число акций ао, млн	898.87	898.87	898.67	898.66	897.97	898.64	898.59	898.62	898.58		898.58	898.48	0.01
FCF/акцию	1.9	2.41	0.0964	0.0125	9.41	7.77	-9.02	0.6321	1.99		1.99	2.16	-26.71

	2009Q1	2010Q1	2010Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS								0.1723	0.1516	0.2208	0.2595	0.2969	0.1782	0.2235	0.3035	0.2866	0.2469			0.2477	6.74
Цена акции ао						5.7	6	5.21	6.05	6.77	5.95	6.59	6.58					11.5	13.1	8.74	17.10
Число акций ао, млн				898.87	898.64	898.57	931.74	898.87	898.67	898.63	898.63	898.64	898.65							898.64	-0.00
FCF/акцию	1.61	1.85	-0.2711							0.0454	0.0459	0.0462	0.0451							-0.0177	-169.86

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %				11.96	11.37	11.73	10.97	6.39	27.47	11.48	16.52	17.02		17.02	20.08	15.78	21.64
ROA, %				0.7295	0.6942	0.6881	0.6288	0.3295	1.24	0.5209	0.7662	0.8111		0.8111	5.08	0.7335	19.74
ROIC, %		1.01	2.84	3.85	6.37	6.67	2.48	4.21	12.6	8.52	5.13				7.36	6.59	15.65
ROS, %					25.52	25.69	24.29	17.18	66.58	25.1	28.99	30.92	30.92	30.92	30.06	36.50	-14.22
ROCE, %				16.52	15.54	16.07	15.45	7.52	30.34	0.7348	0.0283		0.5372	0.5372	11.82	7.83	-41.01
Ebit margin, %							34.21	20.23	73.54	35.18	1.08		1.02	1.02		26.21	-44.98
Рентаб EBITDA, %				41.87	38.04	38.2	37.94	24.33	77.42	38.77	3.9		3.69	3.69	24.00	29.62	-31.42
Чистая рентаб, %				27.9	25.52	25.69	24.29	17.18	66.58	25.1	28.99	30.92		30.92	30.06	33.75	12.47
Operation Margin, %					34.89	35.19	34.21	20.23	73.54	35.18	47.85	58.78	58.78	58.78	26.93	54.83	-4.38
Чистая процентная маржа, %	15.86	18.9	23.73	27.46	24.92	25.08	24.86	16.15	65.61					64.87	23.20	31.32	21.36
Доходность FCF, %		-12.22	2.44	27.12	27.27	0.9998	0.1792	194.85	128.7	-156.96	104.43					54.24	257.35

	2009Q1	2010Q1	2010Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %				3.26	2.65	3.71	4.57	5.32	3.13	3.84	5.09	4.68	3.93		20.08	4.13	4.66
ROA, %				0.144	0.121	0.1743	0.2118	0.2442	0.1446	0.1777	0.2357	0.2176	0.1847		5.08	0.1921	5.02
ROS, %					20.3	26.37	39.67	36.26	12.51	26.18	35.93	34.21	29.04	30.92	30.06	31.26	3.38
ROCE, %				0.435	10.74	0.2767	0.3028	0.3393	0.9507	0.3326	0.4082	0.4562		0.5372	11.82	0.5370	-10.79
Ebit margin, %								48.61	67.12	39.8	50.2	58.74		1.02		43.38	-56.71
Рентаб EBITDA, %				40.72	28.64	42.04	56.27	51.43	68.71	42.59	-1.01	0.000133		3.69	24.00	22.80	-44.28
Чистая рентаб, %				28.46	20.3	26.37	39.67	36.26	12.51	26.18	35.93	34.21	29.04		30.06	27.57	18.34
Operation Margin, %					28.64	42.04	56.27	51.43	0.5341	42.59	66.27	58.74	52.74	58.78	26.93	55.82	6.66
Доходность FCF, %	17.54	21.33	-4.57			0.6708	0.7711	0.7008	0.6865							-0.3482	-168.45

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E			12.88	16.03	16.47	11.87	13.68	4.07	9.9	6.96	7.12		7.12	13.27	8.35	-12.24
P/BV			1.54	1.82	1.93	1.3	0.8738	1.12	1.13	1.1	1.15		1.15	1.70	1.07	5.65
P/S			3.59	4.09	4.23	2.88	2.35	2.71	2.49	2.02	2.2		2.2	2.98	2.35	-1.31
P/FCF				3.67	100.02	558.14	0.5132	0.777	-0.6371	0.9576	0.9564	3.25	3.25	2.82	1.06	33.14
E/P				0.0624	0.0607	0.0842	0.0731	0.2457	0.1085	0.1452	0.1454	0.164	0.164	87.84	0.1618	-7.77
EV/EBIT						8.47	-12.43	-8.29	-1.75	-324.01	313.87	-273.5	-273.5		-58.7360	101.22
EV/EBITDA		23.97	21.38	83.07	44.44	31.51	-37.58	-32.97	-1.58	-90.02			87.21	-132.47	-26.1280	-223.36
EV/S	26.01					11.96	-2.47	-6.24	-0.6141	-3.51	-2.8	-2.8	-2.8	1.52	-3.1928	-14.81
EV/FCF	-42.08					2313.98	-0.5387	-1.79	0.169	-18.01	-4.82	-4.82	-4.82	1.51	-5.8542	21.91
Debt/EBITDA	71.39				9.91	32.91	16.86	4.99	7.44	177.2	177.2	177.2	177.2	-176.54	108.81	104.21
Netdebt/Ebitda				3.55	2.83	0.2872	-18.92	-10.51	-8	-141.73	35.48	-135.67	-135.67	208.99	-52.0860	66.79
Debt/Ratio				0.94	0.94	0.3232	0.95	0.95	0.0598	0.1782	0.1782	0.1651	0.1651	0.12	0.3063	-29.53
Debt/Equity				15.37	16.05	5.64	18.39	18.39	1.31	3.78	0	19.75	19.75	11.32	12.32	1.44
Debt/Net Income	118.16					51.4	23.88	5.8	11.48	23.84	23.84	21.13	21.13	17.91	17.22	29.51
PEG												17.38	17.38		17.38	0.00
Бета								1.53	0.91	-0.1148	-2.17	2.69	2.69	0.48	0.5690	11.95
Индекс Альтмана				0.3009	0.316	1.51	0.0611	0.1274	0.0734	0.1119	0.1367	0.1055	0.1055	54.78	0.1110	-3.70

	2009Q1	2010Q1	2010Q2	2017Q3	2017Q4	2018Q1	2018Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E												29.43	41.8	32.94	7.31	6.64	6.96	6.17	8.11	8.09	7.12			13.27	7.29	0.46
P/BV												0.9581	1.11	1.22	0.0504	0.0542	1.1	0.0506	1.29	1.22	1.15			1.70	0.9621	0.89
P/S												8.37	8.49	8.69	2.08	2.03	1.78	1.58	2.06	2.03	2.23			2.98	1.94	4.61
P/FCF	5.7	4.69	-21.87											149.09	129.69	142.7	145.66						3.25	2.82	114.08	-53.47
E/P									0.0169	0.0301	0.0209	0.034	0.0239	0.0304	0.0436	0.045	0.0271						0.164	87.84	0.0620	40.09
EV/EBIT																3.77	11.53	11.34	39.13	-12.85			-273.5		-44.8700	-288.38
EV/EBITDA							101121.47					-8.62	-1.59	-1.97	1.78	1.14	5.26	1.81	9.45	-4.74				-132.47	2.58	-232.98
EV/S						48.11	32806.26								1	1.83	7.74	4.51	19.64	-7.55	-11.3		-2.8	1.52	0.5000	-190.91
EV/FCF															14.29	32.47	244.21						-4.82	1.51	71.54	-176.21
Debt/EBITDA							101106.24					25.5	35.06	23.47	23.16	22.32	22.9	24.59	-2466.83				177.2	-176.54	-443.9640	51.34
Netdebt/Ebitda												-48.47	-37.71	-21.25	-13.84	-10.74	4.58	-5.66	-988.23	-12897429			-135.67	208.99	-2579710.7960	-296.94
Debt/Ratio				0.2652	0.298	0.2704	215.13								0.0696	0.078	0.1782	0.0711	0.1604				0.1651	0.12	0.1306	16.18
Debt/Equity				4.31	4.88	4.37	3723.11								1.5	1.6	3.78	1.48	3.36				19.75	11.32	5.99	65.31
Debt/Net Income				137.23	178.4	134.78	138501.68								32.84	31.66	125.78	40.01	69.64				21.13	17.91	57.64	-7.77
PEG																							17.38		17.38	0.00
Бета																						-4.66	2.69	0.48	-0.9850	-175.98
Индекс Альтмана								0.0455	0.0464	0.0508	0.0516	0.0405	0.0351	0.0448		0.023						0.1052	0.1055	54.78	0.0627	24.62

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.0901	0.2062	0.1895	0.2245	0.2584	0.2647	0.0878	0.2108	0.4058	0.4623					0.2863	11.80
Дивиденд				0.2851	0.34	0.329	0.1067	2.19	0.3554	0.4297	0.4807	0.118	0.4957		0.7148	-44.24
Див доход, ао, %				3.23	3.53	4.73	2.21	36.25	5.37	7.5	4.91	4.89	5.39	6.64	11.78	-33.01
Дивиденды / прибыль, %			38.66	45.33	49.09	50.27	27.67	15.81	45.07	48.04	48.52		48.52	49.72	37.02	11.89

	2021Q1	2021Q2	2021Q4	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	Industry average	5 quarters average	CAGR 5
Дивиденд	0.0593	1.92	0.212	0.065	0.1396	0.089	0.0969	0.1005	0.1337	0.1553		0.1151	11.78
Див доход, ао, %	0.9541	28.51	3.9	1.14	2.68	1.47	1.43	1.69	2.03	2.36	6.64	1.80	9.93

	Industry average	5 quarters average	CAGR 5

Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	4.7	3.36	3.24	3.1	4.9	4.9	0.84
Персонал, чел		6 092	6 138	6 419	6 541		1.79

	CAGR 5

	CAGR 5

Investing Port

Bankinter, S.A.

Reporting Bankinter, S.A.

Capitalization

Balance sheet

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Efficiency

Coefficients

Dividends

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