Bankinter (XMAD:BKT) E10: €0.90 (As of Mar. 2026)


XMAD:BKT Bankinter SA XMAD:BKT
69 GF Score
Price €14.95
GF Value €8.31
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Bankinter E10?

Bankinter XMAD:BKT -1.45% 69 E10 is €0.90 as of Mar. 2026. GuruFocus rates XMAD:BKT with a GF Score™ of 69/100 and a GF Value™ of €8.31 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Bankinter's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.310. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.90 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bankinter's average E10 Growth Rate was 9.80% per year. During the past 3 years, the average E10 Growth Rate was 12.20% per year. During the past 5 years, the average E10 Growth Rate was 16.20% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Bankinter was 21.10% per year. The lowest was 4.60% per year. And the median was 13.70% per year.

As of today (2026-06-24), Bankinter's current stock price is €14.95. Bankinter's E10 for the quarter that ended in Mar. 2026 was €0.90. Bankinter's Shiller PE Ratio of today is 16.61.

During the past 13 years, the highest Shiller PE Ratio of Bankinter was 18.97. The lowest was 5.70. And the median was 10.29.


Bankinter  (XMAD:BKT) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Bankinter's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=14.95/0.90
=16.61

* 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 Shiller P/E Ratio of Bankinter was 18.97. The lowest was 5.70. And the median was 10.29.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Bankinter E10 Related Terms


Bankinter E10 Historical Data

* Premium members only.

The historical data trend for Bankinter's E10 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 E10 Chart

Bankinter Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.55 0.63 0.71 0.80 0.89

Bankinter Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.82 0.85 0.86 0.89 0.90

XMAD:BKT vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Bankinter's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Bankinter's Shiller PE Ratio falls into.


XMAD:BKT
69GF Score
Bankinter SA XMAD:BKT
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bankinter E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.31/128.4016*128.4016
=0.310

Current CPI (Mar. 2026) = 128.4016.

Bankinter Quarterly Data

per share eps CPI Adj_EPS
201606 0.200 100.333 0.256
201609 0.127 99.737 0.164
201612 0.090 101.842 0.113
201703 0.140 100.896 0.178
201706 0.120 101.848 0.151
201709 0.150 101.524 0.190
201712 0.120 102.975 0.150
201803 0.160 102.122 0.201
201806 0.120 104.165 0.148
201809 0.158 103.818 0.195
201812 0.120 104.193 0.148
201903 0.160 103.488 0.199
201906 0.180 104.612 0.221
201909 0.151 103.905 0.187
201912 0.105 105.015 0.128
202003 0.140 103.469 0.174
202006 -0.030 104.254 -0.037
202009 0.123 103.521 0.153
202012 0.108 104.456 0.133
202103 0.160 104.857 0.196
202106 1.091 107.102 1.308
202109 0.123 107.669 0.147
202112 0.092 111.298 0.106
202203 0.170 115.153 0.190
202206 0.126 118.044 0.137
202209 0.177 117.221 0.194
202212 0.145 117.650 0.158
202303 0.200 118.948 0.216
202306 0.251 120.278 0.268
202309 0.297 121.343 0.314
202312 0.178 121.300 0.188
202403 0.210 122.762 0.220
202406 0.286 124.409 0.295
202409 0.287 123.121 0.299
202412 0.247 124.753 0.254
202503 0.290 125.531 0.297
202506 0.285 127.251 0.288
202509 0.300 126.842 0.304
202512 0.310 128.402 0.310
202603 0.310 128.402 0.310

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €0.90 mean?
Bankinter (XMAD:BKT) has a E10 of €0.90 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bankinter and its competitors.
Is Bankinter's E10 too high?
Bankinter's current E10 is €0.90. Overall, Bankinter has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bankinter's E10 compare to PNC and USB?
Bankinter's E10 of €0.90 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bankinter and its competitors. Bankinter's current E10 is €0.90. 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 (XMAD:BKT) is currently considered Significantly Overvalued. The stock's GF Value™ is €8.31, compared to a current price of €14.95 — trading 79.9% above its estimated fair value. The current E10 is €0.90. Bankinter's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Bankinter (XMAD:BKT), the current E10 is €0.90 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.

Is Bankinter (XMAD:BKT) Overvalued in 2026?

Based on GuruFocus' analysis, Bankinter stock appears to be overvalued. The current stock price of €14.95 is trading 79.9% above its estimated GF Value™ of €8.31. GuruFocus considers Bankinter to be Significantly Overvalued.

Key valuation signals for XMAD:BKT:

  • E10: €0.90
  • GF Value™: €8.31 vs. price of €14.95 (79.9% above fair value)
  • GF Score™: 69/100 with 7 warning signs

No single metric tells the full story. See the XMAD:BKT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


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.
69GF Score

Get the complete analysis for XMAD:BKT

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€14.95
Price
€8.31
GF Value