Bankinter S.A [BKT] vs Banco Santander S.A [SAN] Detailed Stock Comparison

Bankinter S.A.

BME
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Banco Santander S.A.

BME
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: Bankinter S.A. wins in 10 metrics, Banco Santander S.A. wins in 8 metrics, with 0 ties. Bankinter S.A. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Bankinter S.A. Banco Santander S.A. Better
P/E Ratio (TTM) 12.53 12.56 Bankinter S.A.
Price-to-Book Ratio 2.05 1.50 Banco Santander S.A.
Debt-to-Equity Ratio 3.96 3.39 Banco Santander S.A.
PEG Ratio 1.54 0.63 Banco Santander S.A.
Profit Margin (TTM) 40.00% 30.11% Bankinter S.A.
Operating Margin (TTM) 78.58% 43.69% Bankinter S.A.
EBITDA Margin (TTM) 78.58% 43.69% Bankinter S.A.
Return on Equity 17.74% 12.69% Bankinter S.A.
Return on Assets (TTM) 0.86% 0.75% Bankinter S.A.
Free Cash Flow (TTM) $1.79B $-22.49B Bankinter S.A.
Dividend Yield 4.07% 2.34% Bankinter S.A.
1-Year Return 35.38% 58.88% Banco Santander S.A.
Price-to-Sales Ratio (TTM) 4.83 3.25 Banco Santander S.A.
Enterprise Value $29.62B $134.69B Banco Santander S.A.
EV/Revenue Ratio 10.87 2.88 Banco Santander S.A.
Revenue per Share (TTM) $3 $3 Banco Santander S.A.
Earnings per Share (Diluted) $1.17 $0.84 Bankinter S.A.
Beta (Stock Volatility) -0.01 0.96 Bankinter S.A.

Bankinter S.A. vs Banco Santander S.A. Stock Performance Analysis

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BKT
SAN

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Bankinter S.A.-2.22%-7.46%5.23%-3.21%9.46%-4.07%
Banco Santander S.A.-1.24%-7.61%7.59%-4.23%21.86%-0.49%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Bankinter S.A.35.38%159.14%204.61%108.56%313.39%101.30%
Banco Santander S.A.58.88%219.75%217.76%144.60%20.28%-8.11%

Performance & Financial Health Analysis: Bankinter S.A. vs Banco Santander S.A.

MetricBKTSAN
Market Information
Market Cap i€12.77B€148.82B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i1,371,15227,116,840
90 Day Avg. Volume i2,527,49234,468,021
Last Close€13.89€10.20
52 Week Range€9.93 - €15.07€6.00 - €11.26
% from 52W High-7.83%-9.43%
All-Time High€72.94 (Jan 17, 2000)€13.75 (Nov 05, 2007)
% from All-Time High-80.96%-25.82%
Growth Metrics
Quarterly Revenue Growth0.11%-0.06%
Quarterly Earnings Growth0.26%0.15%
Financial Health
Profit Margin (TTM) i0.40%0.30%
Operating Margin (TTM) i0.79%0.44%
Return on Equity (TTM) i0.18%0.13%
Debt to Equity (MRQ) i3.963.39
Cash & Liquidity
Book Value per Share (MRQ)€7.13€7.03
Cash per Share (MRQ)€9.95€28.19
Operating Cash Flow (TTM) i€-598,881,984€-14,835,000,320
Levered Free Cash Flow (TTM) i€1.09B€14.72B
Dividends
Last 12-Month Dividend Yield i4.07%2.34%
Last 12-Month Dividend i€0.57€0.23

Valuation & Enterprise Metrics Analysis: Bankinter S.A. vs Banco Santander S.A.

MetricBKT (Apr 24, 2026)SAN (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.5312.56
Forward P/E i10.608.86
PEG Ratio i1.540.63
Price to Sales (TTM) i4.833.25
Price to Book (MRQ) i2.051.50
Market Capitalization
Market Capitalization i€12.77B€148.82B
Enterprise Value i€29.62B€134.69B
Enterprise Value Metrics
Enterprise to Revenue i10.872.88
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i-0.010.96
Book Value per Share (MRQ) i€7.13€7.03

Financial Statements Comparison: Bankinter S.A. vs Banco Santander S.A.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricBKT (2025)SAN (2025)
Revenue/Sales i3.09B60.74B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i1.54B18.68B
Pre-Tax Income % of Revenue i49.7%30.8%
Income Tax i445.20M4.72B
Income Tax % of Revenue i14.4%7.8%
Net Income (Profit) i1.09B15.50B
Profit Margin i35.3%25.5%

Balance Sheet & Liquidity Metrics

MetricBKT (2025)SAN (2025)
Cash & Equivalents i15.00B179.30B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i10.38B284.94B
Long-Term Debt % of Revenue i336.0%469.1%
Total Shareholders Equity i6.41B112.75B
Retained Earnings iN/A106.06B
Retained Earnings % of Revenue i0.0%174.6%
Property, Plant & Equipment iN/A33.12B

Cash Flow Statement Comparison

MetricBKT (2025)SAN (2025)
Operating Cash Flow i1.86B-9.88B
Operating Cash Flow % of Revenue i60.1%-16.3%
Capital Expenditures i-45.66M-648.00M
Free Cash Flow i1.79B-22.49B
FCF Margin i57.9%-37.0%
Debt Repayment i0-8.82B
Common Stock Repurchase i-78.68M-4.08B

Short Interest & Institutional Ownership Analysis

MetricBKTSAN
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i898.70M14.68B
Float Shares i640.20M14.47B
% Held by Insiders i28.80%1.57%
% Held by Institutions i44.57%39.20%
% Held by Public i26.63%59.23%

Dividend Analysis & Yield Comparison: Bankinter S.A. vs Banco Santander S.A.

MetricBKTSAN
Last 12-Month Dividend i€0.57€0.23
Last 12-Month Dividend Yield i4.07%2.34%
3-Year Avg Annual Dividend i€0.54€0.19
3-Year Avg Dividend Yield i1.93%1.91%
3-Year Total Dividends i€1.62€0.57
Ex-Dividend DateNov 28, 2025Oct 30, 2025