IES Fundamental Analysis - INTESA SANPAOLO

Fundamental Rating

IES gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 96 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.

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1. Profitability

1.1 Basic Checks

IES had positive earnings in the past year.

In the past year IES has reported a negative cash flow from operations.

IES had positive earnings in each of the past 5 years.

In multiple years IES reported negative operating cash flow during the last 5 years.

1.2 Ratios

With a decent Return On Assets value of 0.97%, IES is doing good in the industry, outperforming 67.71% 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 70.83% 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

With a Profit Margin value of 21.93%, IES perfoms like the industry average, outperforming 48.96% of the companies in the same 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 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 5 years ago, IES has more shares outstanding

Compared to 1 year ago, IES has a worse debt to assets ratio.

2.2 Solvency

IES has a Debt/Equity ratio of 2.51. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 2.51, IES is in line with its industry, outperforming 44.79% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.51
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.2%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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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.

Looking at the last year, IES shows a decrease in Revenue. The Revenue has decreased by -3.50% in the last year.

IES shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.18% yearly.

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 1.75% on average over the next years.

Based on estimates for the next years, IES will show a decrease in Revenue. The Revenue will decrease by -0.19% on average per year.

EPS Next Y15.97%

EPS Next 2Y11.22%

EPS Next 3Y9.67%

EPS Next 5Y1.75%

Revenue Next Year1.69%

Revenue Next 2Y1.7%

Revenue Next 3Y1.99%

Revenue Next 5Y-0.19%

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.

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4. Valuation

4.1 Price/Earnings Ratio

IES is valuated reasonably with a Price/Earnings ratio of 11.42.

Based on the Price/Earnings ratio, IES is valued a bit more expensive than 70.83% of the companies in the same industry.

When comparing the Price/Earnings ratio of IES to the average of the S&P500 Index (27.03), we can say IES is valued rather cheaply.

The Price/Forward Earnings ratio is 9.23, which indicates a very decent valuation of IES.

IES's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. IES is cheaper than 63.54% of the companies in the same industry.

IES is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.63, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.42
Fwd PE	9.23

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.71

PEG (5Y)0.79

EPS Next 2Y11.22%

EPS Next 3Y9.67%

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5. Dividend

5.1 Amount

IES has a Yearly Dividend Yield of 6.30%, which is a nice return.

IES's Dividend Yield is a higher than the industry average which is at 5.01.

Compared to an average S&P500 Dividend Yield of 2.32, IES pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.3%

5.2 History

The dividend of IES is nicely growing with an annual growth rate of 10.12%!

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 2Y11.22%

EPS Next 3Y9.67%

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INTESA SANPAOLO

FRA:IES (9/4/2025, 7:00:00 PM)

5.367

+0.05 (+0.96%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-30 2025-07-30

Earnings (Next)10-31 2025-10-31

Inst Owners35.46%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap95.55B

Analysts80

Price Target5.99 (11.61%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.3%

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)11.52%

PT rev (3m)16.88%

EPS NQ rev (1m)3.08%

EPS NQ rev (3m)N/A

EPS NY rev (1m)3.34%

EPS NY rev (3m)3.34%

Revenue NQ rev (1m)1.92%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.9%

Revenue NY rev (3m)1.14%

Valuation

		Industry Rank	Sector Rank
PE	11.42
Fwd PE	9.23
P/S	2.3
P/FCF	N/A
P/OCF	N/A
P/B	1.44
P/tB	1.68
EV/EBITDA	N/A

EPS(TTM)0.47

EY8.76%

EPS(NY)0.58

Fwd EY10.83%

FCF(TTM)-0.31

FCFYN/A

OCF(TTM)-0.21

OCFYN/A

SpS2.34

BVpS3.74

TBVpS3.19

PEG (NY)0.71

PEG (5Y)0.79

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

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 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

WACC5.2%

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 Y15.97%

EPS Next 2Y11.22%

EPS Next 3Y9.67%

EPS Next 5Y1.75%

Revenue 1Y (TTM)-3.5%

Revenue growth 3Y6.5%

Revenue growth 5Y6.18%

Sales Q2Q%2.06%

Revenue Next Year1.69%

Revenue Next 2Y1.7%

Revenue Next 3Y1.99%

Revenue Next 5Y-0.19%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens