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INTESA SANPAOLO (IES.DE) Stock Fundamental Analysis

Europe - FRA:IES - IT0000072618 - Common Stock

5.468 EUR
+0.12 (+2.15%)
Last: 10/20/2025, 7:00:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to IES. IES was compared to 99 industry peers in the Banks industry. Both the profitability and financial health of IES have multiple concerns. IES has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

IES had positive earnings in the past year.
IES had a negative operating cash flow in the past year.
Each year in the past 5 years IES has been profitable.
In multiple years IES reported negative operating cash flow during the last 5 years.
IES.DE Yearly Net Income VS EBIT VS OCF VS FCFIES.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B 100B

1.2 Ratios

The Return On Assets of IES (0.97%) is better than 65.66% of its industry peers.
With a decent Return On Equity value of 13.70%, IES is doing good in the industry, outperforming 70.71% of the companies in the same industry.
Industry RankSector Rank
ROA 0.97%
ROE 13.7%
ROIC N/A
ROA(3y)0.73%
ROA(5y)0.58%
ROE(3y)10.85%
ROE(5y)8.82%
ROIC(3y)N/A
ROIC(5y)N/A
IES.DE Yearly ROA, ROE, ROICIES.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of IES (21.93%) is comparable to the rest of the industry.
IES's Profit Margin has improved in the last couple of years.
IES does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.93%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y19.68%
PM growth 5Y8.95%
GM growth 3YN/A
GM growth 5YN/A
IES.DE Yearly Profit, Operating, Gross MarginsIES.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

IES does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for IES has been reduced compared to 1 year ago.
The number of shares outstanding for IES has been increased compared to 5 years ago.
The debt/assets ratio for IES is higher compared to a year ago.
IES.DE Yearly Shares OutstandingIES.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
IES.DE Yearly Total Debt VS Total AssetsIES.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B 1T

2.2 Solvency

IES has a Debt/Equity ratio of 2.51. This is a high value indicating a heavy dependency on external financing.
IES has a Debt to Equity ratio (2.51) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 2.51
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.29%
IES.DE Yearly LT Debt VS Equity VS FCFIES.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IES.DE Yearly Current Assets VS Current LiabilitesIES.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.90% over the past year.
IES shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.39% yearly.
IES shows a decrease in Revenue. In the last year, the revenue decreased by -3.50%.
Measured over the past years, IES shows a small growth in Revenue. The Revenue has been growing by 6.18% on average per year.
EPS 1Y (TTM)19.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%10%
Revenue 1Y (TTM)-3.5%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.06%

3.2 Future

The Earnings Per Share is expected to grow by 2.12% on average over the next years.
The Revenue is expected to grow by 0.17% on average over the next years.
EPS Next Y15.64%
EPS Next 2Y11.47%
EPS Next 3Y9.71%
EPS Next 5Y2.12%
Revenue Next Year1.28%
Revenue Next 2Y1.57%
Revenue Next 3Y1.85%
Revenue Next 5Y0.17%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
IES.DE Yearly Revenue VS EstimatesIES.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B 40B
IES.DE Yearly EPS VS EstimatesIES.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.2 0.4 0.6

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.63 indicates a reasonable valuation of IES.
69.70% of the companies in the same industry are cheaper than IES, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.69. IES is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.36, the valuation of IES can be described as reasonable.
IES's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. IES is cheaper than 62.63% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.18. IES is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.63
Fwd PE 9.36
IES.DE Price Earnings VS Forward Price EarningsIES.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
IES.DE Per share dataIES.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

IES's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.74
PEG (5Y)0.81
EPS Next 2Y11.47%
EPS Next 3Y9.71%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.23%, IES is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.86, IES pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, IES pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.23%

5.2 History

On average, the dividend of IES grows each year by 10.12%, which is quite nice.
Dividend Growth(5Y)10.12%
Div Incr Years2
Div Non Decr Years2
IES.DE Yearly Dividends per shareIES.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

67.05% of the earnings are spent on dividend by IES. This is not a sustainable payout ratio.
IES's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP67.05%
EPS Next 2Y11.47%
EPS Next 3Y9.71%
IES.DE Yearly Income VS Free CF VS DividendIES.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B 100B
IES.DE Dividend Payout.IES.DE Dividend Payout, showing the Payout Ratio.IES.DE Dividend Payout.PayoutRetained Earnings

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INTESA SANPAOLO

FRA:IES (10/20/2025, 7:00:00 PM)

5.468

+0.12 (+2.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-30 2025-07-30
Earnings (Next)10-31 2025-10-31
Inst Owners36.03%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap97.35B
Analysts79.26
Price Target6.04 (10.46%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.23%
Yearly Dividend0.32
Dividend Growth(5Y)10.12%
DP67.05%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)2.27%
Min Revenue beat(2)2.22%
Max Revenue beat(2)2.32%
Revenue beat(4)4
Avg Revenue beat(4)2.08%
Min Revenue beat(4)1.54%
Max Revenue beat(4)2.32%
Revenue beat(8)6
Avg Revenue beat(8)1.32%
Revenue beat(12)9
Avg Revenue beat(12)11.56%
Revenue beat(16)13
Avg Revenue beat(16)27.46%
PT rev (1m)-0.1%
PT rev (3m)12.59%
EPS NQ rev (1m)-1.28%
EPS NQ rev (3m)1.07%
EPS NY rev (1m)-0.29%
EPS NY rev (3m)3.04%
Revenue NQ rev (1m)-2.68%
Revenue NQ rev (3m)-0.39%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)0.73%
Valuation
Industry RankSector Rank
PE 11.63
Fwd PE 9.36
P/S 2.34
P/FCF N/A
P/OCF N/A
P/B 1.46
P/tB 1.72
EV/EBITDA N/A
EPS(TTM)0.47
EY8.6%
EPS(NY)0.58
Fwd EY10.68%
FCF(TTM)-0.31
FCFYN/A
OCF(TTM)-0.21
OCFYN/A
SpS2.34
BVpS3.74
TBVpS3.19
PEG (NY)0.74
PEG (5Y)0.81
Profitability
Industry RankSector Rank
ROA 0.97%
ROE 13.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.93%
GM N/A
FCFM N/A
ROA(3y)0.73%
ROA(5y)0.58%
ROE(3y)10.85%
ROE(5y)8.82%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y19.68%
PM growth 5Y8.95%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.51
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 95.98%
Cap/Sales 4.13%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.29%
ROIC/WACCN/A
Cap/Depr(3y)101.52%
Cap/Depr(5y)96.76%
Cap/Sales(3y)4.27%
Cap/Sales(5y)4.31%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)19.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%10%
EPS Next Y15.64%
EPS Next 2Y11.47%
EPS Next 3Y9.71%
EPS Next 5Y2.12%
Revenue 1Y (TTM)-3.5%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.06%
Revenue Next Year1.28%
Revenue Next 2Y1.57%
Revenue Next 3Y1.85%
Revenue Next 5Y0.17%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-108.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-105.48%
OCF growth 3YN/A
OCF growth 5YN/A