Bankinter (FRA:BAKA) Cyclically Adjusted Book per Share: €6.29 (As of Mar. 2026)


What is Bankinter Cyclically Adjusted Book per Share?

Bankinter FRA:BAKA -0.31% Cyclically Adjusted Book per Share is €6.29 as of Mar. 2026. The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Bankinter's adjusted book value per share for the three months ended in Mar. 2026 was €7.240. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €6.29 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bankinter's average Cyclically Adjusted Book Growth Rate was 5.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 5.60% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Bankinter was 7.30% per year. The lowest was 1.50% per year. And the median was 5.90% per year.

As of today (2026-06-29), Bankinter's current stock price is €14.385. Bankinter's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €6.29. Bankinter's Cyclically Adjusted PB Ratio of today is 2.29.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Bankinter was 2.37. The lowest was 0.50. And the median was 1.13.


Bankinter  (FRA:BAKA) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Bankinter's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=14.385/6.29
=2.29

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Bankinter was 2.37. The lowest was 0.50. And the median was 1.13.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Bankinter Cyclically Adjusted Book per Share Related Terms


Bankinter Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Bankinter's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bankinter Cyclically Adjusted Book per Share Chart

Bankinter Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.95 5.37 5.61 5.83 6.24

Bankinter Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.93 6.12 6.10 6.24 6.29

FRA:BAKA vs PNC, USB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Bankinter's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Bankinter Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bankinter's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Bankinter's Cyclically Adjusted PB Ratio falls into.



Bankinter Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Bankinter's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=7.24/128.4016*128.4016
=7.240

Current CPI (Mar. 2026) = 128.4016.

Bankinter Quarterly Data

Book Value per Share CPI Adj_Book
201606 4.428 100.333 5.667
201609 4.536 99.737 5.840
201612 4.559 101.842 5.748
201703 4.594 100.896 5.846
201706 4.698 101.848 5.923
201709 4.784 101.524 6.051
201712 4.848 102.975 6.045
201803 4.906 102.122 6.169
201806 4.893 104.165 6.032
201809 4.953 103.818 6.126
201812 4.991 104.193 6.151
201903 5.059 103.488 6.277
201906 5.204 104.612 6.387
201909 5.321 103.905 6.575
201912 5.341 105.015 6.530
202003 5.190 103.469 6.441
202006 5.253 104.254 6.470
202009 5.394 103.521 6.690
202012 5.528 104.456 6.795
202103 5.618 104.857 6.879
202106 5.427 107.102 6.506
202109 5.393 107.669 6.431
202112 5.399 111.298 6.229
202203 5.402 115.153 6.024
202206 5.357 118.044 5.827
202209 5.437 117.221 5.956
202212 5.458 117.650 5.957
202303 5.539 118.948 5.979
202306 5.672 120.278 6.055
202309 5.890 121.343 6.233
202312 5.923 121.300 6.270
202403 6.046 122.762 6.324
202406 6.280 124.409 6.482
202409 6.589 123.121 6.872
202412 6.540 124.753 6.731
202503 6.728 125.531 6.882
202506 6.912 127.251 6.975
202509 7.172 126.842 7.260
202512 7.134 128.402 7.134
202603 7.240 128.402 7.240

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €6.29 mean?
Bankinter (FRA:BAKA) has a Cyclically Adjusted Book per Share of €6.29 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Bankinter and its competitors.
Is Bankinter's Cyclically Adjusted Book per Share too high?
Bankinter's current Cyclically Adjusted Book per Share is €6.29.
How does Bankinter's Cyclically Adjusted Book per Share compare to PNC and USB?
Bankinter's Cyclically Adjusted Book per Share of €6.29 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Bankinter and its competitors. Bankinter's current Cyclically Adjusted Book per Share is €6.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bankinter stock overvalued right now?
Based on GuruFocus' analysis, Bankinter (FRA:BAKA) is currently considered Significantly Overvalued. The stock's GF Value™ is €8.19, compared to a current price of €14.39 — trading 75.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is €6.29. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Bankinter (FRA:BAKA), the current Cyclically Adjusted Book per Share is €6.29 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Bankinter Business Description

Address Paseo de la Castellana 29, Madrid, ESP, 28046
Bankinter SA is a bank operating in Spain. Its services include financial planning, asset management, retail banking, corporate banking, treasury, and international banking. Customer loans constitute the overwhelming majority of earning assets on the balance sheet. Its segments include Commercial Banking, Corporate Banking, Consumer Finance, Bankinter Portugal, Bankinter Ireland, and Other businesses. Its Financial products include Mortgages Salary accounts, Loans, Cards, Pension plans, and Investment funds.