INTESA SANPAOLO (IES.DE) Fundamental Analysis & Valuation

FRA:IES • IT0000072618

Current stock price

5.66 EUR
0 (0%)
Last:

This IES.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. IES.DE Profitability Analysis

1.1 Basic Checks

  • In the past year IES was profitable.
  • In the past year IES had a positive cash flow from operations.
  • 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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50B 100B

1.2 Ratios

  • IES has a Return On Assets of 0.97%. This is in the better half of the industry: IES outperforms 62.73% of its industry peers.
  • IES has a Return On Equity of 14.29%. This is in the better half of the industry: IES outperforms 75.45% of its industry peers.
Industry RankSector Rank
ROA 0.97%
ROE 14.29%
ROIC N/A
ROA(3y)0.9%
ROA(5y)0.71%
ROE(3y)13.22%
ROE(5y)10.68%
ROIC(3y)N/A
ROIC(5y)N/A
IES.DE Yearly ROA, ROE, ROICIES.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • IES has a Profit Margin (21.97%) which is in line with its industry peers.
  • 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) 21.97%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.09%
PM growth 5Y19.65%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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2

2. IES.DE Health Analysis

2.1 Basic Checks

  • IES does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, IES has less shares outstanding
  • IES has less shares outstanding than it did 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
IES.DE Yearly Total Debt VS Total AssetsIES.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B 1T

2.2 Solvency

  • IES has a debt to FCF ratio of 15.09. This is a negative value and a sign of low solvency as IES would need 15.09 years to pay back of all of its debts.
  • IES's Debt to FCF ratio of 15.09 is fine compared to the rest of the industry. IES outperforms 69.09% of its industry peers.
  • IES has a Debt/Equity ratio of 2.39. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of IES (2.39) is worse than 62.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF 15.09
Altman-Z N/A
ROIC/WACCN/A
WACC5.67%
IES.DE Yearly LT Debt VS Equity VS FCFIES.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

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4

3. IES.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 11.90% 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 decrease in Revenue. In the last year, the revenue decreased by -0.45%.
  • IES shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.18% yearly.
EPS 1Y (TTM)11.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%12.5%
Revenue 1Y (TTM)-0.45%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.55%

3.2 Future

  • Based on estimates for the next years, IES will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.56% on average per year.
  • IES is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.01% yearly.
EPS Next Y12.93%
EPS Next 2Y11.34%
EPS Next 3Y10.35%
EPS Next 5Y9.56%
Revenue Next Year0.94%
Revenue Next 2Y2.12%
Revenue Next 3Y2.49%
Revenue Next 5Y3.01%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 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 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. IES.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • IES is valuated correctly with a Price/Earnings ratio of 12.04.
  • IES's Price/Earnings ratio is a bit more expensive when compared to the industry. IES is more expensive than 68.18% of the companies in the same industry.
  • IES is valuated cheaply when we compare the Price/Earnings ratio to 27.18, which is the current average of the S&P500 Index.
  • IES is valuated reasonably with a Price/Forward Earnings ratio of 9.71.
  • Based on the Price/Forward Earnings ratio, IES is valued a bit cheaper than 79.09% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of IES to the average of the S&P500 Index (37.96), we can say IES is valued rather cheaply.
Industry RankSector Rank
PE 12.04
Fwd PE 9.71
IES.DE Price Earnings VS Forward Price EarningsIES.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • IES's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.97
EV/EBITDA N/A
IES.DE Per share dataIES.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 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)0.93
PEG (5Y)0.84
EPS Next 2Y11.34%
EPS Next 3Y10.35%

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7

5. IES.DE Dividend Analysis

5.1 Amount

  • IES has a Yearly Dividend Yield of 6.70%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.56, IES pays a better dividend. On top of this IES pays more dividend than 84.55% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, IES pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.7%

5.2 History

  • On average, the dividend of IES grows each year by 177.14%, which is quite nice.
Dividend Growth(5Y)177.14%
Div Incr Years3
Div Non Decr Years3
IES.DE Yearly Dividends per shareIES.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3

5.3 Sustainability

  • 67.85% 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.
DP67.85%
EPS Next 2Y11.34%
EPS Next 3Y10.35%
IES.DE Yearly Income VS Free CF VS DividendIES.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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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IES.DE Fundamentals: All Metrics, Ratios and Statistics

INTESA SANPAOLO

FRA:IES (4/13/2026, 7:00:00 PM)

5.66

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)05-05
Inst Owners37.19%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap98.56B
Revenue(TTM)42.42B
Net Income(TTM)9.32B
Analysts79.31
Price Target6.81 (20.32%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.7%
Yearly Dividend0.36
Dividend Growth(5Y)177.14%
DP67.85%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.04%
Min EPS beat(2)-3.4%
Max EPS beat(2)-2.67%
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)0
Avg Revenue beat(2)-1.13%
Min Revenue beat(2)-1.95%
Max Revenue beat(2)-0.32%
Revenue beat(4)2
Avg Revenue beat(4)0.57%
Min Revenue beat(4)-1.95%
Max Revenue beat(4)2.32%
Revenue beat(8)5
Avg Revenue beat(8)1.03%
Revenue beat(12)8
Avg Revenue beat(12)11.08%
Revenue beat(16)11
Avg Revenue beat(16)16.12%
PT rev (1m)-0.81%
PT rev (3m)6.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.71%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)0.19%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)0.1%
Valuation
Industry RankSector Rank
PE 12.04
Fwd PE 9.71
P/S 2.32
P/FCF 14.97
P/OCF 11.97
P/B 1.51
P/tB 1.78
EV/EBITDA N/A
EPS(TTM)0.47
EY8.3%
EPS(NY)0.58
Fwd EY10.29%
FCF(TTM)0.38
FCFY6.68%
OCF(TTM)0.47
OCFY8.36%
SpS2.44
BVpS3.75
TBVpS3.17
PEG (NY)0.93
PEG (5Y)0.84
Graham Number6.29
Profitability
Industry RankSector Rank
ROA 0.97%
ROE 14.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.97%
GM N/A
FCFM 15.52%
ROA(3y)0.9%
ROA(5y)0.71%
ROE(3y)13.22%
ROE(5y)10.68%
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 3Y20.09%
PM growth 5Y19.65%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF 15.09
Debt/EBITDA N/A
Cap/Depr 92.18%
Cap/Sales 3.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 70.65%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.67%
ROIC/WACCN/A
Cap/Depr(3y)95.67%
Cap/Depr(5y)103.12%
Cap/Sales(3y)3.82%
Cap/Sales(5y)4.3%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%12.5%
EPS Next Y12.93%
EPS Next 2Y11.34%
EPS Next 3Y10.35%
EPS Next 5Y9.56%
Revenue 1Y (TTM)-0.45%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.55%
Revenue Next Year0.94%
Revenue Next 2Y2.12%
Revenue Next 3Y2.49%
Revenue Next 5Y3.01%
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 1Y115.73%
FCF growth 3Y-59.68%
FCF growth 5YN/A
OCF growth 1Y120.49%
OCF growth 3Y-56.82%
OCF growth 5YN/A

INTESA SANPAOLO / IES.DE Fundamental Analysis FAQ

What is the fundamental rating for IES stock?

ChartMill assigns a fundamental rating of 3 / 10 to IES.DE.


What is the valuation status for IES stock?

ChartMill assigns a valuation rating of 4 / 10 to INTESA SANPAOLO (IES.DE). This can be considered as Fairly Valued.


How profitable is INTESA SANPAOLO (IES.DE) stock?

INTESA SANPAOLO (IES.DE) has a profitability rating of 3 / 10.


Can you provide the financial health for IES stock?

The financial health rating of INTESA SANPAOLO (IES.DE) is 2 / 10.


Is the dividend of INTESA SANPAOLO sustainable?

The dividend rating of INTESA SANPAOLO (IES.DE) is 7 / 10 and the dividend payout ratio is 67.85%.