Bankinter (BKT) - Net Assets
Based on the latest financial reports, Bankinter (BKT) has net assets worth €6.21 Billion EUR (≈ $7.26 Billion USD) as of June 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€131.73 Billion ≈ $154.01 Billion USD) and total liabilities (€125.52 Billion ≈ $146.75 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check BKT tangible net assets ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €6.21 Billion |
| % of Total Assets | 4.72% |
| Annual Growth Rate | 7.31% |
| 5-Year Change | 18.4% |
| 10-Year Change | 54.75% |
| Growth Volatility | 199.39 |
Bankinter - Net Assets Trend (2000–2024)
This chart illustrates how Bankinter's net assets have evolved over time, based on quarterly financial data. See BKT days of operational coverage to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Bankinter (2000–2024)
The table below shows the annual net assets of Bankinter from 2000 to 2024. For live valuation and market cap data, see BKT stock market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €5.88 Billion ≈ $6.87 Billion |
+10.42% |
| 2023-12-31 | €5.32 Billion ≈ $6.22 Billion |
+8.52% |
| 2022-12-31 | €4.90 Billion ≈ $5.73 Billion |
+1.09% |
| 2021-12-31 | €4.85 Billion ≈ $5.67 Billion |
-2.26% |
| 2020-12-31 | €4.96 Billion ≈ $5.80 Billion |
+3.42% |
| 2019-12-31 | €4.80 Billion ≈ $5.61 Billion |
+7.00% |
| 2018-12-31 | €4.49 Billion ≈ $5.24 Billion |
+2.95% |
| 2017-12-31 | €4.36 Billion ≈ $5.09 Billion |
+6.34% |
| 2016-12-31 | €4.10 Billion ≈ $4.79 Billion |
+7.88% |
| 2015-12-31 | €3.80 Billion ≈ $4.44 Billion |
+4.25% |
| 2014-12-31 | €3.64 Billion ≈ $4.26 Billion |
+7.05% |
| 2013-12-31 | €3.40 Billion ≈ $3.98 Billion |
+5.34% |
| 2012-12-31 | €3.23 Billion ≈ $3.78 Billion |
+4.67% |
| 2011-12-31 | €3.09 Billion ≈ $3.61 Billion |
+19.67% |
| 2010-12-31 | €2.58 Billion ≈ $3.02 Billion |
-0.12% |
| 2009-12-31 | €2.58 Billion ≈ $3.02 Billion |
+31.44% |
| 2008-12-31 | €1.97 Billion ≈ $2.30 Billion |
+12.58% |
| 2007-12-31 | €1.75 Billion ≈ $2.04 Billion |
+8.51% |
| 2006-12-31 | €1.61 Billion ≈ $1.88 Billion |
+114.73% |
| 2005-12-31 | €-10.92 Billion ≈ $-12.77 Billion |
-970.09% |
| 2004-12-31 | €1.26 Billion ≈ $1.47 Billion |
-2.77% |
| 2003-12-31 | €1.29 Billion ≈ $1.51 Billion |
+9.11% |
| 2002-12-31 | €1.18 Billion ≈ $1.38 Billion |
+4.21% |
| 2001-12-31 | €1.14 Billion ≈ $1.33 Billion |
+5.10% |
| 2000-12-31 | €1.08 Billion ≈ $1.26 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to Bankinter's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 6650.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €6.01 Billion | 102.17% |
| Common Stock | €269.66 Million | 4.59% |
| Other Comprehensive Income | €-12.47 Million | -0.21% |
| Total Equity | €5.88 Billion | 100.00% |
Bankinter Competitors by Market Cap
The table below lists competitors of Bankinter ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Postal Savings Bank of China Co Ltd
F:3YB
|
$12.50 Billion |
|
TURKIYE GARANTI BANKASI AS
F:GBKB
|
$12.52 Billion |
|
Nio Inc Class A ADR
NYSE:NIO
|
$12.52 Billion |
|
Embraer S.A.
SA:EMBR3
|
$12.52 Billion |
|
Societatea Nationala de Gaze Naturale Romgaz SA
RO:SNG
|
$12.50 Billion |
|
Penumbra Inc
NYSE:PEN
|
$12.48 Billion |
|
Jindal Steel & Power Limited
NSE:JINDALSTEL
|
$12.46 Billion |
|
TransUnion
NYSE:TRU
|
$12.45 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bankinter's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 5,322,940,000 to 5,877,665,000, a change of 554,725,000 (10.4%).
- Net income of 952,971,000 contributed positively to equity growth.
- Dividend payments of 462,348,000 reduced retained earnings.
- Share repurchases of 78,684,000 reduced equity.
- New share issuances of 78,596,000 increased equity.
- Other comprehensive income increased equity by 90,088,001.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €952.97 Million | +16.21% |
| Dividends Paid | €462.35 Million | -7.87% |
| Share Repurchases | €78.68 Million | -1.34% |
| Share Issuances | €78.60 Million | +1.34% |
| Other Comprehensive Income | €90.09 Million | +1.53% |
| Other Changes | €-25.90 Million | -0.44% |
| Total Change | €- | 10.42% |
Book Value vs Market Value Analysis
This analysis compares Bankinter's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.29x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 5.63x to 2.29x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | €2.66 | €14.99 | x |
| 2005-12-31 | €2.77 | €14.99 | x |
| 2006-12-31 | €2.52 | €14.99 | x |
| 2007-12-31 | €2.77 | €14.99 | x |
| 2008-12-31 | €3.13 | €14.99 | x |
| 2009-12-31 | €3.51 | €14.99 | x |
| 2010-12-31 | €3.51 | €14.99 | x |
| 2011-12-31 | €3.83 | €14.99 | x |
| 2012-12-31 | €3.68 | €14.99 | x |
| 2013-12-31 | €4.29 | €14.99 | x |
| 2014-12-31 | €4.06 | €14.99 | x |
| 2015-12-31 | €4.23 | €14.99 | x |
| 2016-12-31 | €4.56 | €14.99 | x |
| 2017-12-31 | €4.85 | €14.99 | x |
| 2018-12-31 | €4.99 | €14.99 | x |
| 2019-12-31 | €5.34 | €14.99 | x |
| 2020-12-31 | €5.52 | €14.99 | x |
| 2021-12-31 | €5.41 | €14.99 | x |
| 2022-12-31 | €5.46 | €14.99 | x |
| 2023-12-31 | €5.92 | €14.99 | x |
| 2024-12-31 | €6.54 | €14.99 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bankinter utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 16.21%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.31%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 20.75x
- Recent ROE (16.21%) is above the historical average (11.74%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | 13.81% | 16.61% | 0.03x | 24.91x | €47.87 Million |
| 2005 | 13.55% | 13.79% | 0.94x | 1.04x | €49.14 Million |
| 2006 | 13.16% | 11.50% | 0.04x | 29.09x | €50.03 Million |
| 2007 | 20.73% | 14.15% | 0.05x | 28.45x | €187.32 Million |
| 2008 | 12.84% | 8.54% | 0.06x | 27.21x | €55.79 Million |
| 2009 | 9.85% | 11.87% | 0.04x | 21.09x | €-3.88 Million |
| 2010 | 5.84% | 8.53% | 0.03x | 20.99x | €-107.24 Million |
| 2011 | 5.87% | 8.21% | 0.04x | 19.27x | €-127.47 Million |
| 2012 | 3.86% | 5.30% | 0.04x | 18.00x | €-198.46 Million |
| 2013 | 5.58% | 8.45% | 0.04x | 16.20x | €-150.45 Million |
| 2014 | 7.57% | 12.83% | 0.04x | 15.74x | €-88.46 Million |
| 2015 | 9.90% | 18.42% | 0.03x | 15.44x | €-3.90 Million |
| 2016 | 11.96% | 23.76% | 0.03x | 16.40x | €80.37 Million |
| 2017 | 11.37% | 22.81% | 0.03x | 16.37x | €59.49 Million |
| 2018 | 11.73% | 23.14% | 0.03x | 17.05x | €77.81 Million |
| 2019 | 11.47% | 28.01% | 0.02x | 17.44x | €70.67 Million |
| 2020 | 6.39% | 15.95% | 0.02x | 19.39x | €-179.29 Million |
| 2021 | 27.47% | 61.34% | 0.02x | 22.17x | €847.89 Million |
| 2022 | 11.42% | 22.47% | 0.02x | 21.92x | €69.71 Million |
| 2023 | 15.87% | 19.30% | 0.04x | 21.23x | €312.49 Million |
| 2024 | 16.21% | 18.31% | 0.04x | 20.75x | €365.20 Million |
Industry Comparison
This section compares Bankinter's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $6,400,821,000
- Average return on equity (ROE) among peers: 8.38%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bankinter (BKT) | €6.21 Billion | 13.81% | 20.21x | $12.50 Billion |
| Caixabank SA (CABK) | $9.55 Billion | 11.02% | 2.72x | $75.38 Billion |
| Unicaja Banco SA (UNI) | $3.26 Billion | 5.73% | 17.52x | $6.65 Billion |
About Bankinter
Bankinter, S.A. provides various banking products and services to individuals, corporates, and small- and medium-sized enterprises in Spain, Luxembourg, Portugal, and Ireland. It operates through Commercial Banking, Business Banking, Consumer Finance, Bankinter Portugal, Bankinter Ireland, and Other Businesses segments. The company offers smart digital, payroll, pension, business, non-salary, cur… Read more