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INTESA SANPAOLO (IES.DE) Stock Fundamental Analysis

FRA:IES - Deutsche Boerse Ag - IT0000072618 - Common Stock - Currency: EUR

4.811  -0.02 (-0.4%)

Fundamental Rating

3

Taking everything into account, IES scores 3 out of 10 in our fundamental rating. IES was compared to 93 industry peers in the Banks industry. Both the profitability and financial health of IES have multiple concerns. IES is valued correctly, but it does not seem to be growing. IES also has an excellent dividend rating.


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

IES has a better Return On Assets (0.93%) than 62.37% of its industry peers.
IES's Return On Equity of 13.30% is fine compared to the rest of the industry. IES outperforms 72.04% of its industry peers.
Industry RankSector Rank
ROA 0.93%
ROE 13.3%
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

Looking at the Profit Margin, with a value of 20.34%, IES is in line with its industry, outperforming 43.01% of the companies in the same 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 RankSector Rank
OM N/A
PM (TTM) 20.34%
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.
IES has less shares outstanding than it did 1 year ago.
The number of shares outstanding for IES has been increased compared to 5 years ago.
IES has a worse debt/assets ratio than last year.
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

A Debt/Equity ratio of 2.39 is on the high side and indicates that IES has dependencies on debt financing.
IES has a Debt to Equity ratio of 2.39. This is comparable to the rest of the industry: IES outperforms 41.94% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.12%
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 16.11% over the past year.
Measured over the past years, IES shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.39% on average per year.
IES shows a small growth in Revenue. In the last year, the Revenue has grown by 6.65%.
IES shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.18% yearly.
EPS 1Y (TTM)16.11%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%15.38%
Revenue 1Y (TTM)6.65%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.37%

3.2 Future

Based on estimates for the next years, IES will show a small growth in Earnings Per Share. The EPS will grow by 1.81% on average per year.
IES is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.11% yearly.
EPS Next Y12.23%
EPS Next 2Y8.8%
EPS Next 3Y7.9%
EPS Next 5Y1.81%
Revenue Next Year0.55%
Revenue Next 2Y1.1%
Revenue Next 3Y1.54%
Revenue Next 5Y-0.11%

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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 0.1 0.2 0.3 0.4 0.5

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4

4. Valuation

4.1 Price/Earnings Ratio

IES is valuated reasonably with a Price/Earnings ratio of 9.82.
IES's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.86, IES is valued rather cheaply.
A Price/Forward Earnings ratio of 8.65 indicates a reasonable valuation of IES.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IES indicates a somewhat cheap valuation: IES is cheaper than 65.59% of the companies listed in the same industry.
IES is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.43, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.82
Fwd PE 8.65
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 2 -2

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)0.8
PEG (5Y)0.68
EPS Next 2Y8.8%
EPS Next 3Y7.9%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.18%, IES is a good candidate for dividend investing.
IES's Dividend Yield is rather good when compared to the industry average which is at 5.17. IES pays more dividend than 87.10% of the companies in the same industry.
IES's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 7.18%

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

IES pays out 67.27% 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.
DP67.27%
EPS Next 2Y8.8%
EPS Next 3Y7.9%
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 (6/26/2025, 7:00:00 PM)

4.811

-0.02 (-0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-06 2025-05-06/dmh
Earnings (Next)07-30 2025-07-30
Inst Owners35.46%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap85.65B
Analysts81.48
Price Target5.36 (11.41%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.18%
Yearly Dividend0.32
Dividend Growth(5Y)10.12%
DP67.27%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5.9%
Min EPS beat(2)-12.96%
Max EPS beat(2)1.15%
EPS beat(4)2
Avg EPS beat(4)-0.39%
Min EPS beat(4)-12.96%
Max EPS beat(4)11.44%
EPS beat(8)4
Avg EPS beat(8)0.65%
EPS beat(12)8
Avg EPS beat(12)11.11%
EPS beat(16)12
Avg EPS beat(16)28.59%
Revenue beat(2)2
Avg Revenue beat(2)1.88%
Min Revenue beat(2)1.54%
Max Revenue beat(2)2.22%
Revenue beat(4)3
Avg Revenue beat(4)1.49%
Min Revenue beat(4)-0.35%
Max Revenue beat(4)2.53%
Revenue beat(8)6
Avg Revenue beat(8)16.33%
Revenue beat(12)9
Avg Revenue beat(12)21.31%
Revenue beat(16)13
Avg Revenue beat(16)37.85%
PT rev (1m)4.58%
PT rev (3m)9.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.57%
EPS NY rev (1m)0%
EPS NY rev (3m)0.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.78%
Valuation
Industry RankSector Rank
PE 9.82
Fwd PE 8.65
P/S 2.01
P/FCF N/A
P/OCF N/A
P/B 1.31
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)0.49
EY10.18%
EPS(NY)0.56
Fwd EY11.56%
FCF(TTM)-2.35
FCFYN/A
OCF(TTM)-2.26
OCFYN/A
SpS2.39
BVpS3.66
TBVpS3.11
PEG (NY)0.8
PEG (5Y)0.68
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 13.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.34%
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-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 94.94%
Cap/Sales 3.92%
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-Score7
WACC5.12%
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)16.11%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%15.38%
EPS Next Y12.23%
EPS Next 2Y8.8%
EPS Next 3Y7.9%
EPS Next 5Y1.81%
Revenue 1Y (TTM)6.65%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.37%
Revenue Next Year0.55%
Revenue Next 2Y1.1%
Revenue Next 3Y1.54%
Revenue Next 5Y-0.11%
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-120.38%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-131.79%
OCF growth 3YN/A
OCF growth 5YN/A