INTESA SANPAOLO (IES.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:IES - IT0000072618 - Common Stock
5.609 EUR
+0.02 (+0.34%)
Taking everything into account, IES scores 3 out of 10 in our fundamental rating. IES was compared to 108 industry peers in the Banks industry. IES has a bad profitability rating. Also its financial health evaluation is rather negative. IES has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year IES was profitable.
IES had a negative operating cash flow in the past year.
In the past 5 years IES has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: IES reported negative operating cash flow in multiple years.
1.2 Ratios
With a decent Return On Assets value of 0.97%, IES is doing good in the industry, outperforming 62.96% of the companies in the same industry.
Looking at the Return On Equity, with a value of 13.70%, IES is in the better half of the industry, outperforming 69.44% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of IES (21.93%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of IES has grown nicely.
The Operating Margin and Gross Margin are not available for IES so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
IES does not have a ROIC to compare to the WACC, probably because it is not profitable.
IES has less shares outstanding than it did 1 year ago.
IES has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, IES has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 2.51 is on the high side and indicates that IES has dependencies on debt financing.
IES has a Debt to Equity ratio of 2.51. This is comparable to the rest of the industry: IES outperforms 40.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.51 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IES shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.90%, which is quite good.
The Earnings Per Share has been growing by 14.39% on average over the past years. This is quite good.
IES shows a decrease in Revenue. In the last year, the revenue decreased by -8.03%.
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%0%
Revenue 1Y (TTM)-8.03%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%-2.34%
3.2 Future
IES is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.59% yearly.
IES is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.65% yearly.
EPS Next Y14.72%
EPS Next 2Y11.32%
EPS Next 3Y9.68%
EPS Next 5Y5.59%
Revenue Next Year1.46%
Revenue Next 2Y1.78%
Revenue Next 3Y2.05%
Revenue Next 5Y1.65%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.93, the valuation of IES can be described as reasonable.
Based on the Price/Earnings ratio, IES is valued a bit more expensive than the industry average as 64.81% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.46, IES is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.63, the valuation of IES can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IES indicates a somewhat cheap valuation: IES is cheaper than 75.00% of the companies listed in the same industry.
IES's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.93 | ||
| Fwd PE | 9.63 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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)0.81
PEG (5Y)0.83
EPS Next 2Y11.32%
EPS Next 3Y9.68%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.12%, IES is a good candidate for dividend investing.
IES's Dividend Yield is a higher than the industry average which is at 4.70.
IES's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.12% |
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
5.3 Sustainability
IES pays out 67.05% of its income as dividend. 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 2Y11.32%
EPS Next 3Y9.68%
FRA:IES (12/4/2025, 7:00:00 PM)
5.609
+0.02 (+0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.03%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap97.67B
Revenue(TTM)41.63B
Net Income(TTM)9.12B
Analysts79.29
Price Target6.28 (11.96%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.12% |
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)4.06%
PT rev (3m)4.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.73%
EPS NY rev (1m)-0.79%
EPS NY rev (3m)-1.08%
Revenue NQ rev (1m)-0.48%
Revenue NQ rev (3m)-1.8%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)-0.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.93 | ||
| Fwd PE | 9.63 | ||
| P/S | 2.35 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.47 | ||
| P/tB | 1.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.47
EY8.38%
EPS(NY)0.58
Fwd EY10.38%
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS2.39
BVpS3.82
TBVpS3.26
PEG (NY)0.81
PEG (5Y)0.83
Graham Number6.36
Profitability
| Industry Rank | Sector 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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector 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
WACC5.42%
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%0%
EPS Next Y14.72%
EPS Next 2Y11.32%
EPS Next 3Y9.68%
EPS Next 5Y5.59%
Revenue 1Y (TTM)-8.03%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%-2.34%
Revenue Next Year1.46%
Revenue Next 2Y1.78%
Revenue Next 3Y2.05%
Revenue Next 5Y1.65%
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
INTESA SANPAOLO / IES.DE FAQ
What is the fundamental rating for IES stock?
ChartMill assigns a fundamental rating of 3 / 10 to IES.DE.
Can you provide the valuation status for INTESA SANPAOLO?
ChartMill assigns a valuation rating of 4 / 10 to INTESA SANPAOLO (IES.DE). This can be considered as Fairly Valued.
What is the profitability of IES stock?
INTESA SANPAOLO (IES.DE) has a profitability rating of 3 / 10.
What is the financial health of INTESA SANPAOLO (IES.DE) stock?
The financial health rating of INTESA SANPAOLO (IES.DE) is 1 / 10.
How sustainable is the dividend of INTESA SANPAOLO (IES.DE) stock?
The dividend rating of INTESA SANPAOLO (IES.DE) is 6 / 10 and the dividend payout ratio is 67.05%.