Bankinter, S.A. (BKIMF)
ValueMarkers Composite Index
74% below intrinsic value ($74)
Bankinter, S.A. (BKIMF) — VMCI valuation read
Headline read on BKIMF: VMCI of 52/100 versus a Financial Services sector median of 50. The 2-point above-median position is what makes Bankinter, S.A. a relative-value candidate in the mid-cap cohort, before any pillar-level review.
Form 4 filings on BKIMF: zero in the trailing 30 days. The absence of insider transactions is itself a data point, just a low-information one. The thesis runs on financials and price action until that changes.
**Investor frame.** Three reads on BKIMF: value (BKIMF trades at 17.0x earnings, 6% below the Financial Services median of 18.0x), quality (ROIC of 11.0% sits 1.0pp above the Financial Services median (10.0%)), and risk (net debt to EBITDA of -0.8x leaves covenant headroom). The value read also implies an EV/EBITDA gap of +4.0x against the Financial Services 12.0x baseline.
BKIMF fell 0.2% over the trailing 7 days, with a -22.3% read on a 30-day basis.
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 investment funds, other managers funds, pension funds, and themed funds, as well as funds for beginners; 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, property, personal, 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. The company also offers retail, personal, private, commercial, and corporate banking products, as well as remote banking services. As of December 31, 2021, it operated through a network of 446 branches and 379 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.
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