Renta 4 Banco R4.MC
SpainFinancial Services · Asset ManagementBolsa de Madrid (BME) · EUR
0.00 EUR (−100.0%)
Trading 2120.00 €Open account ↗
XTB0.00 €affiliateOpen account ↗
eToro0.86 €Open account ↗XTB0.00 €★ featured · affiliateOpen account ↗Trading 2120.00 €Open account ↗eToro0.86 €Open account ↗XTB0.00 €★ featured · affiliateOpen account ↗200.00 € order · cheapest cheapest available in your country iCompare all 22 brokers →What does it do?
Renta 4 Banco is a Spanish financial institution specialized in investment services, asset management, and private banking, combining its brokerage business with the management of mutual funds and pension plans.
Listed on Bolsa de Madrid (BME) · Symbol R4.MC · BME: R4 · Currency EUR
Key points
from its scores- ✓Strong growth9.2
- ✓Attractive dividend7.8
- ✓High-quality business7.7
- ✕Demanding valuation4.8
- ✕Poor share-price trend4.9
AI analysis
bottom line, main risk, context and newsFundamentals are strong and valuation is attractive, but weak momentum suggests waiting for a better entry point.
Renta 4 Banco shows solid financial health with an ROE of 29.02% and an operating margin of 26.71%, supported by earnings growth of 76.40%. Its valuation (P/E 14.77) is reasonable for its profitability, although momentum is moderate.
The main risk is dependence on financial markets and intermediation activity, which could be affected by a stock market correction or reduced investor appetite, despite the solidity of its balance sheet.
Context and risks
Renta 4 Banco operates in Spain, a country with elevated governance risk according to the assigned reference. Although it is a regulated and supervised financial institution, the protection of minority investors and regulatory stability in Spain justify a moderate adjustment to the base risk, without being severe.
Is Renta 4 Banco stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 62% above the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 14.8 | 13.7 | +8% |
| Price / book | 4.0 | 1.9 | +116% |
| Price / sales | 2.7 | 3.5 | −21% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 4.8 out of 10 (median for Financial Services: 5.2).
Average analyst target: 0.00 EUR, −100.0% versus the price.
A premium can be justified if the company is of higher quality or grows faster than its sector: Quality / Moat 7.7 (sector 8.8), Growth 9.2 (sector 6.9).
Classic formulas with standard assumptions (5.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 14.8
- Price / book
- 4.0
- Price / sales
- 2.7
- PEG
- 0.42
- Market cap
- 793.5M EUR
- Enterprise value
- −352.3M EUR
Profitability
- ROE
- 29.0%
- ROA
- 2.1%
- ROIC (approx.)
- 34.1%
- Gross margin
- 63.9%
- Operating margin
- 26.7%
- Net margin
- 18.6%
Solvency
- Total debt
- 29.2M EUR
- Net debt
- −1.1B EUR
- Cash
- 1.2B EUR
- Debt / equity
- 14.56
- Current ratio
- 57.50
- Quick ratio
- 51.87
Growth
- Revenue growth
- +25.1%
- Earnings growth
- +76.4%
- EPS (TTM)
- 1.32 EUR
Dividend
- Dividend yield
- 3.6%
- Payout
- 52.8%
Risk and market
- Beta
- 0.09
- Analyst consensus
- none (0)
- Target price
- 0.00 EUR
- 52-week range
- 17.70 – 20.40
Recent news
All R4.MC news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Renta 4 Banco
Is Renta 4 Banco stock cheap or expensive?
On P/E and Price / book, it trades 62% above the Financial Services median on average. Valuation score: 4.8 out of 10 (median for Financial Services: 5.2). Average analyst target: 0.00 EUR, −100.0% versus the price. This is not investment advice.
What score does Renta 4 Banco get on MeridIAn Screener?
It scores 7.0 out of 10, rank 225 of 2,130 (better than 89% of the companies analysed). Its strongest category is Growth (9.2) and its weakest, Valuation (4.8). Analysis of 08/10/2026.
What is Renta 4 Banco's P/E ratio?
Its P/E is 14.8: the share price equals 14.8 times earnings per share over the last 12 months. The Financial Services median is 13.7.
How much is Renta 4 Banco worth on the stock market?
Its market capitalisation is 793.5M EUR.
Does Renta 4 Banco pay a dividend?
Yes: its dividend yield is 3.59% and it pays out 53% of its earnings.
How has Renta 4 Banco stock performed over the last year?
It has risen 3.1% over the last year, excluding dividends. Over the last 52 weeks it has traded between 17.70 and 20.40 EUR. Past performance does not guarantee future results.