# Bankers Investment Trust Plc (BNKR.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services. Price 151p, market value 1.4 billionp.

## Valuation
- **P/E (trailing): 5.0×** (5-yr avg 886.6×, 3-yr avg 1030.3×). Bankers Investment Trust Plc trades at 5.0× trailing earnings, well below its own five-year average of 886.6×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 64.8×**. Each dollar of revenue is priced at 64.8×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.0×**. The shares trade at 1.0× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 4.0×**. Enterprise value is 4.0× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 12.7%** (5-yr avg 0.1%). Free cash flow equals 12.7% of the market value, above its five-year average of 0.1%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 19.8%**. The inverse of the P/E: 19.8% of the price is earned each year.

## Profitability
- **Gross margin: 72.8%**. Bankers Investment Trust Plc keeps 72.8% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Return on equity: 15.1%**. 15.1% on shareholders' equity is solid.
- **Return on invested capital: 20.0%**. Return on all capital, debt included, is 20.0%: comfortably above what that capital costs.
- **Return on assets: 19.0%**. Each dollar of assets produces 19.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -98.5%** (5-yr -55.4%/yr). Revenue fell 98.5% over the last year, against -55.4% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 5.3%** (5-yr 33.6%/yr). Earnings per share rose 5.3%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 27.9%/yr**. Free cash flow has compounded at 27.9% a year over three years.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: 45 millionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.87%** (0p per share, trailing). Bankers Investment Trust Plc yields 1.87%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 14%** (34% of free cash flow). 14% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 26**. 26 straight years of increases (the data covers 26 years, so this may be longer): a record very few companies hold.
- **Dividend growth (5 yr): 4.9%/yr** (1-yr 2.0%). The dividend has grown 4.9% a year over five years.
- **Shareholder yield: 23.9%**. Dividends plus net buybacks return 23.9% of the market value a year.

## Price and momentum
- **Total return (1 yr): 22.1%** (YTD 13.8%, 3-mo 2.4%). The shares are up 22.1% over twelve months including dividends.
- **From 52-week high: -2.3%** (22.4% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 55**. An RSI of 55 is neutral.
- **Beta (1 yr): 0.60** (volatility 14%). Beta of 0.60 against the FTSE All-Share: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BNKR.L · Page: https://foliofundamentals.com/stocks/bnkr.l

Not investment advice.