Declared Dividend • Mar 30
Final dividend of €0.20 announced Shareholders will receive a dividend of €0.20. Ex-date: 1st April 2026 Payment date: 7th April 2026 Dividend yield will be 3.0%, which is lower than the industry average of 5.4%. Sustainability & Growth Dividend is covered by earnings (63% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 14% per year over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 19% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Reported Earnings • Mar 02
Full year 2025 earnings released: EPS: €1.05 (vs €0.79 in FY 2024) Full year 2025 results: EPS: €1.05 (up from €0.79 in FY 2024). Revenue: €265.0m (up 15% from FY 2024). Net income: €42.6m (up 33% from FY 2024). Profit margin: 16% (up from 14% in FY 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 23% per year and the company’s share price has also increased by 23% per year. Announcement • Feb 26
Renta 4 Banco, S.A., Annual General Meeting, Mar 26, 2026 Renta 4 Banco, S.A., Annual General Meeting, Mar 26, 2026. Location: paseo de la habana 74, madrid., Spain Declared Dividend • Oct 31
Dividend of €0.36 announced Shareholders will receive a dividend of €0.36. Ex-date: 3rd November 2025 Payment date: 5th November 2025 Dividend yield will be 2.5%, which is lower than the industry average of 5.4%. Sustainability & Growth Dividend is well covered by both earnings (16% earnings payout ratio) and cash flows (4% cash payout ratio). The dividend has increased by an average of 13% per year over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 19% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Reported Earnings • Oct 29
Third quarter 2025 earnings released: EPS: €0.28 (vs €0.20 in 3Q 2024) Third quarter 2025 results: EPS: €0.28 (up from €0.20 in 3Q 2024). Revenue: €69.1m (up 24% from 3Q 2024). Net income: €11.4m (up 42% from 3Q 2024). Profit margin: 17% (up from 14% in 3Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has increased by 27% per year, which means it is tracking significantly ahead of earnings growth. Reported Earnings • Jul 30
First half 2025 earnings released: EPS: €0.47 (vs €0.37 in 1H 2024) First half 2025 results: EPS: €0.47 (up from €0.37 in 1H 2024). Revenue: €122.7m (up 16% from 1H 2024). Net income: €19.3m (up 27% from 1H 2024). Profit margin: 16% (up from 14% in 1H 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has increased by 23% per year, which means it is tracking significantly ahead of earnings growth. New Risk • Jun 12
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Spanish stocks, typically moving 5.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (5.3% average weekly change). Declared Dividend • Apr 02
Final dividend of €0.13 announced Shareholders will receive a dividend of €0.13. Ex-date: 4th April 2025 Payment date: 8th April 2025 Dividend yield will be 3.2%, which is lower than the industry average of 5.4%. Sustainability & Growth Dividend is covered by both earnings (68% earnings payout ratio) and cash flows (5% cash payout ratio). The dividend has increased by an average of 22% per year over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 12% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Announcement • Mar 01
Renta 4 Banco, S.A., Annual General Meeting, Mar 31, 2025 Renta 4 Banco, S.A., Annual General Meeting, Mar 31, 2025. Location: paseo de la habana 74, madrid Spain New Risk • Nov 04
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Spanish stocks, typically moving 3.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (3.9% average weekly change). Declared Dividend • Nov 01
First half dividend of €0.30 announced Shareholders will receive a dividend of €0.30. Ex-date: 4th November 2024 Payment date: 1st November 2024 Dividend yield will be 3.2%, which is lower than the industry average of 5.4%. Sustainability & Growth Dividend is well covered by both earnings (18% earnings payout ratio) and cash flows (4% cash payout ratio). The dividend has increased by an average of 24% per year over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 14% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Reported Earnings • Aug 02
Second quarter 2024 earnings released: EPS: €0.20 (vs €0.16 in 2Q 2023) Second quarter 2024 results: EPS: €0.20 (up from €0.16 in 2Q 2023). Revenue: €55.9m (up 16% from 2Q 2023). Net income: €8.30m (up 27% from 2Q 2023). Profit margin: 15% (up from 14% in 2Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 2% per year but the company’s share price has increased by 9% per year, which means it is tracking significantly ahead of earnings growth. Reported Earnings • May 13
First quarter 2024 earnings released First quarter 2024 results: EPS: €0.17. Revenue: €57.7m (up 14% from 1Q 2023). Net income: €6.87m (down 9.0% from 1Q 2023). Profit margin: 12% (down from 15% in 1Q 2023). The decrease in margin was driven by higher expenses. Declared Dividend • Apr 08
Final dividend of €0.097 announced Shareholders will receive a dividend of €0.097. Ex-date: 10th April 2024 Payment date: 12th April 2024 Dividend yield will be 3.3%, which is lower than the industry average of 5.4%. Sustainability & Growth Dividend is covered by both earnings (65% earnings payout ratio) and cash flows (5% cash payout ratio). The dividend has increased by an average of 24% per year over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 10% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Reported Earnings • Apr 06
Full year 2023 earnings released: EPS: €0.64 (vs €0.53 in FY 2022) Full year 2023 results: EPS: €0.64 (up from €0.53 in FY 2022). Revenue: €200.5m (up 9.2% from FY 2022). Net income: €26.1m (up 21% from FY 2022). Profit margin: 13% (up from 12% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 5% per year whereas the company’s share price has increased by 9% per year. Announcement • Mar 15
Renta 4 Banco, S.A. (BME:R4) acquired Sigrun Partners. Renta 4 Banco, S.A. (BME:R4) acquired Sigrun Partners on March 14, 2024. Renta 4 Banco, S.A. (BME:R4) completed the acquisition of Sigrun Partners on March 14, 2024. Reported Earnings • Feb 13
Full year 2023 earnings released Full year 2023 results: Revenue: €200.5m (up 9.2% from FY 2022). Net income: €26.1m (up 21% from FY 2022). Profit margin: 13% (up from 12% in FY 2022). The increase in margin was driven by higher revenue. Reported Earnings • Jul 27
Second quarter 2023 earnings released Second quarter 2023 results: Revenue: €48.5m (up 15% from 2Q 2022). Net income: €6.55m (up 19% from 2Q 2022). Profit margin: 14% (in line with 2Q 2022). Reported Earnings • May 31
First quarter 2023 earnings released First quarter 2023 results: Revenue: €52.6m (up 7.5% from 1Q 2022). Net income: €7.55m (up 1.5% from 1Q 2022). Profit margin: 14% (in line with 1Q 2022). Reported Earnings • Feb 27
Full year 2022 earnings released: EPS: €0.53 (vs €0.62 in FY 2021) Full year 2022 results: EPS: €0.53 (down from €0.62 in FY 2021). Revenue: €183.7m (down 5.5% from FY 2021). Net income: €21.5m (down 15% from FY 2021). Profit margin: 12% (down from 13% in FY 2021). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 13% per year whereas the company’s share price has increased by 17% per year. Board Change • Nov 16
Less than half of directors are independent Following the recent departure of a director, there are only 5 independent directors on the board. The company's board is composed of: 5 independent directors. 7 non-independent directors. Independent Director Pilar Ceballos-Zuniga was the last independent director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Reported Earnings • Jul 28
Second quarter 2022 earnings released: EPS: €0.14 (vs €0.14 in 2Q 2021) Second quarter 2022 results: EPS: €0.14 (vs €0.14 in 2Q 2021). Revenue: €42.3m (down 2.6% from 2Q 2021). Net income: €5.51m (flat on 2Q 2021). Profit margin: 13% (in line with 2Q 2021). Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth. Reported Earnings • Apr 30
First quarter 2022 earnings released: EPS: €0.18 (vs €0.17 in 1Q 2021) First quarter 2022 results: EPS: €0.18 (up from €0.17 in 1Q 2021). Revenue: €47.5m (flat on 1Q 2021). Net income: €7.44m (up 4.7% from 1Q 2021). Profit margin: 16% (in line with 1Q 2021). Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 9% per year, which means it is significantly lagging earnings growth. Board Change • Apr 27
Less than half of directors are independent Following the recent departure of a director, there are only 5 independent directors on the board. The company's board is composed of: 5 independent directors. 7 non-independent directors. Independent Director Pilar Ceballos-Zuniga was the last independent director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Reported Earnings • Feb 04
Full year 2021 earnings: Revenues and EPS in line with analyst expectations Full year 2021 results: EPS: €0.62 (up from €0.45 in FY 2020). Revenue: €194.3m (up 13% from FY 2020). Net income: €25.3m (up 40% from FY 2020). Profit margin: 13% (up from 11% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 18% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth. Upcoming Dividend • Dec 21
Upcoming dividend of €0.24 per share Eligible shareholders must have bought the stock before 28 December 2021. Payment date: 30 December 2021. Payout ratio is a comfortable 3.9% but the company is not cash flow positive. Trailing yield: 3.2%. Lower than top quartile of Spanish dividend payers (5.6%). Lower than average of industry peers (3.9%). Reported Earnings • Aug 02
Second quarter 2021 earnings released: EPS €0.14 (vs €0.11 in 2Q 2020) The company reported a decent second quarter result with improved earnings and profit margins, although revenues were flat. Second quarter 2021 results: Revenue: €43.4m (flat on 2Q 2020). Net income: €5.50m (up 32% from 2Q 2020). Profit margin: 13% (up from 9.6% in 2Q 2020). Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 5% per year. Reported Earnings • Apr 20
Full year 2020 earnings released The company reported a solid full year result with improved earnings and revenues, although profit margins were weaker. Full year 2020 results: Revenue: €171.8m (up 14% from FY 2019). Net income: €18.1m (up 1.7% from FY 2019). Profit margin: 11% (down from 12% in FY 2019). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 1% per year whereas the company’s share price has increased by 4% per year. Is New 90 Day High Low • Feb 18
New 90-day high: €7.14 The company is up 10.0% from its price of €6.50 on 20 November 2020. The Spanish market is up 2.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Capital Markets industry, which is up 5.0% over the same period. Reported Earnings • Feb 04
Full year 2020 earnings released: EPS €0.45 (vs €0.44 in FY 2019) The company reported a solid full year result with improved earnings and revenues, although profit margins were weaker. Full year 2020 results: Revenue: €171.8m (up 14% from FY 2019). Net income: €18.1m (up 1.7% from FY 2019). Profit margin: 11% (down from 12% in FY 2019). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has remained flat. Is New 90 Day High Low • Dec 30
New 90-day high: €6.98 The company is up 7.0% from its price of €6.50 on 01 October 2020. The Spanish market is up 18% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Capital Markets industry, which is up 9.0% over the same period. Is New 90 Day High Low • Nov 10
New 90-day high: €6.70 The company is up 12% from its price of €6.00 on 11 August 2020. The Spanish market is up 3.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Capital Markets industry, which is down 7.0% over the same period. Reported Earnings • Oct 30
Third quarter earnings released Over the last 12 months the company has reported total profits of €16.4m, up 1.0% from the prior year. Total revenue was €164.6m over the last 12 months, up 14% from the prior year. Is New 90 Day High Low • Sep 29
New 90-day high: €6.50 The company is up 10.0% from its price of €5.90 on 01 July 2020. The Spanish market is down 3.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Capital Markets industry, which is down 4.0% over the same period.