RENTA 4 BANCO SA financials
RENTA 4 BANCO SA
Country: ES Reporting currency: EUR Latest annual report: 2024-12-31
LEI:
213800IMKAUV5KW28586 Financial statements
(EUR, as reported — unscaled; 115 line items across 2 annual periods)
| Line item | 2024 | 2023 |
|---|---|---|
| Income statement | ||
| Gross profit | €150.9M | €126.8M |
| Administrative expenses | €93.1M | €79.1M |
| Employee benefits expense | €62.7M | €52.5M |
| Depreciation & amortisation | €12.1M | €11.3M |
| Operating profit (EBIT) | €44.7M | €36.4M |
| Profit before tax | €44.7M | €36.4M |
| Income tax expense | €12.3M | €9.8M |
| Profit for the year | €32.4M | €26.6M |
| — attributable to owners | €32.1M | €26.1M |
| — attributable to NCI | €242.0K | €436.0K |
| Total comprehensive income | €38.1M | €37.7M |
| Cash flow statement | ||
| Net cash from operating activities | €487.6M | €366.2M |
| Net cash from investing activities | -€16.8M | -€14.0M |
| Purchase of PP&E (capex) | €6.5M | €5.9M |
| Purchase of intangibles | €13.3M | €3.6M |
| Net cash from financing activities | -€19.7M | -€30.2M |
| Dividends paid | €20.1M | €14.2M |
| Balance sheet | ||
| Total assets | €2.48B | €2.19B |
| Property, plant & equipment | €60.7M | €59.1M |
| Intangible assets & goodwill | €38.3M | €22.4M |
| Cash & equivalents | €1.54B | €1.09B |
| Total equity | €159.7M | €141.7M |
| — attributable to owners | €32.1M | €26.1M |
| Non-controlling interests | €1.7M | €1.6M |
| Deferred tax liabilities | €1.0M | €499.0K |
| Derived metrics | ||
| Free cash flow | €481.1M | €360.3M |
| Return on equity | 20.3% | 18.7% |
| Cash conversion ratio | 15.06× | 13.79× |
| Capex coverage | 74.90× | 61.65× |
| Other reported items | ||
| Accumulated Other Comprehensive Income | -€7.3M | -€13.1M |
| Adjustments For Amortisation Expense | €12.1M | €11.3M |
| Adjustments For Decrease Increase In Financial Assets Held For Trading | €17.6M | €7.3M |
| Adjustments For Decrease Increase In Other Assets | -€20.0K | -€1.5M |
| Adjustments For Increase Decrease In Financial Liabilities Held For Trading | — | -€189.0K |
| Adjustments For Increase Decrease In Other Liabilities | €276.0K | €155.0K |
| Adjustments To Reconcile Profit Loss Other Than Changes In Working Capital | €27.8M | €36.7M |
| Basic Earnings Loss Per Share From Continuing Operations | €790.00 | €640.00 |
| Comprehensive Income Attributable To Noncontrolling Interests | €137.0K | €669.0K |
| Cumulative Gain Loss Previously Recognised In Other Comprehensive Income Arising From Reclassification of Financial Assets Out of Fair Value Through Other Comprehensive Income Into Fair Value Through Profit Or Loss Measurement Category | €6.0K | €241.0K |
| Current Debt Instruments Issued | €0 | €0 |
| Current Provisions For Employee Benefits | €0 | €0 |
| Current Tax Assets | €0 | €0 |
| Current Tax Liabilities | €11.0M | €8.0M |
| Deferred Tax Assets | €2.9M | €5.8M |
| Deposits From Banks | €22.0M | €18.9M |
| Deposits From Customers | €2.17B | €1.89B |
| Derivative Financial Assets Held For Trading | — | €67.0K |
| Derivative Financial Liabilities Held For Trading | €0 | €0 |
| Diluted Earnings Loss Per Share From Continuing Operations | €790.00 | €640.00 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -€520.0K | €113.0K |
| Equity and Liabilities | €2.48B | €2.19B |
| Fair Value of Investments In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income | €4.8M | €4.6M |
| Fee and Commission Expense | €87.4M | €76.4M |
| Fee and Commission Income | €190.9M | €166.1M |
| Finance Income | €728.0K | €0 |
| Financial Assets At Amortised Cost | €508.0M | €628.3M |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €29.9M | €49.4M |
| Financial Assets Measured At Fair Value Through Other Comprehensive Income | €261.4M | €318.7M |
| Financial Liabilities At Amortised Cost | €2.29B | €2.03B |
| Gains Losses On Exchange Differences On Translation Before Tax | -€520.0K | €113.0K |
| Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss | €10.3M | €6.6M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €8.9M | €16.3M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €2.7M | €4.8M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €44.0K | -€87.0K |
| Income Taxes Paid Refund Classified As Operating Activities | -€10.4M | -€8.3M |
| Increase Decrease In Cash and Cash Equivalents | €450.6M | €322.1M |
| Inflows of Cash From Investing Activities | €4.0M | €0 |
| Interest Expense | €31.2M | €16.8M |
| Interest Revenue Expense | €24.0M | €23.2M |
| Investment Property | €6.0M | €4.9M |
| Investments In Associates | €3.8M | €5.0M |
| Investments In Joint Ventures | €0 | €0 |
| Investments In Subsidiaries Joint Ventures and Associates | €3.8M | €5.0M |
| Issued Capital | €18.3M | €18.3M |
| Legal Proceedings Provision | €2.7M | €2.4M |
| Liabilities | €2.32B | €2.05B |
| Liabilities Due To Central Banks | €0 | €0 |
| Loans and Advances To Banks | €13.2M | €16.0M |
| Loans and Advances To Customers | €307.9M | €255.8M |
| Miscellaneous Other Operating Expense | €1.9M | €3.9M |
| Miscellaneous Other Operating Income | €237.0K | €312.0K |
| Noncurrent Debt Instruments Issued | €0 | €0 |
| Noncurrent Provisions For Employee Benefits | €0 | €0 |
| Other Adjustments To Reconcile Profit Loss | €15.6M | €25.4M |
| Other Assets | €3.3M | €3.1M |
| Other Cash Payments To Acquire Interests In Joint Ventures Classified As Investing Activities | €1.0M | €4.5M |
| Other Cash Receipts From Sales of Interests In Joint Ventures Classified As Investing Activities | €4.0M | €0 |
| Other Comprehensive Income | €5.8M | €11.2M |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | -€520.0K | €113.0K |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €8.9M | €15.9M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €94.0K | -€148.0K |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Before Tax | €5.7M | €11.2M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Before Tax | €50.0K | -€61.0K |
| Other Financial Assets | €261.4M | €193.5M |
| Other Inflows Outflows of Cash Classified As Financing Activities | €0 | -€16.8M |
| Other Intangible Assets | €11.8M | €7.1M |
| Other Liabilities | €13.9M | €10.6M |
| Other Noncurrent Financial Assets | €21.5M | €0 |
| Other Provisions | €0 | €0 |
| Other Reserves | €121.6M | €112.5M |
| Outflows of Cash From Investing Activities | €20.8M | €14.0M |
| Payments To Acquire Or Redeem Entitys Shares | €0 | €0 |
| Profit Loss From Continuing Operations | €32.4M | €26.6M |
| Profit Loss From Discontinued Operations | €0 | €0 |
| Provisions | €2.7M | €2.4M |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | -€11.0K | €374.0K |
| Reserve of Exchange Differences On Translation | -€3.2M | -€2.8M |
| Reserve of Gains and Losses From Investments In Equity Instruments | -€724.0K | -€712.0K |
| Reserve of Gains and Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income | -€3.4M | -€9.6M |
| Revenue From Dividends | €441.0K | €62.0K |
| Revenue From Interest | €55.1M | €40.0M |
| Services Expense | €30.4M | €26.6M |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €45.0K | -€86.0K |
| Share Premium | €8.5M | €8.5M |
| Shortterm Warranty Provision | €69.0K | €16.0K |
Methodology
Every line item above is a fact tagged in RENTA 4 BANCO SA's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.