INTESA SANPAOLO (IES.DE) Stock Fundamental Analysis

FRA:IES • IT0000072618

5.878 EUR
+0.06 (+1.05%)
Last: Feb 26, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

IES gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 108 industry peers in the Banks industry. IES has a bad profitability rating. Also its financial health evaluation is rather negative. IES has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • IES had positive earnings in the past year.
  • 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.
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

  • The Return On Assets of IES (0.97%) is better than 60.19% of its industry peers.
  • The Return On Equity of IES (14.29%) is better than 75.93% 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's Profit Margin of 24.07% is in line compared to the rest of the industry. IES outperforms 49.07% of 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) 24.07%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y42.15%
PM growth 5Y32.39%
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 10 20 30

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2

2. Health

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 about the same amount of shares outstanding.
  • IES has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for IES has been reduced 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

  • A Debt/Equity ratio of 0.89 indicates that IES is somewhat dependend on debt financing.
  • IES has a Debt to Equity ratio of 0.89. This is in the better half of the industry: IES outperforms 69.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.63%
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 10B 20B 30B 40B 50B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • IES shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.90%, which is quite good.
  • 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 -9.14% 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)11.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%12.5%
Revenue 1Y (TTM)-9.14%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.55%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.16% on average over the next years. This is quite good.
  • IES is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.42% yearly.
EPS Next Y13.3%
EPS Next 2Y11.04%
EPS Next 3Y10.11%
EPS Next 5Y9.16%
Revenue Next Year1.41%
Revenue Next 2Y2.07%
Revenue Next 3Y2.36%
Revenue Next 5Y2.42%

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.
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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.51, the valuation of IES can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of IES indicates a slightly more expensive valuation: IES is more expensive than 64.81% of the companies listed in the same industry.
  • IES is valuated cheaply when we compare the Price/Earnings ratio to 27.10, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 10.14 indicates a reasonable valuation of IES.
  • Based on the Price/Forward Earnings ratio, IES is valued cheaper than 80.56% of the companies in the same industry.
  • IES is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.51
Fwd PE 10.14
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 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)0.94
PEG (5Y)0.87
EPS Next 2Y11.04%
EPS Next 3Y10.11%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • IES has a Yearly Dividend Yield of 5.83%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.37, IES pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, IES pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.83%

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
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

  • IES's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y11.04%
EPS Next 3Y10.11%
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

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INTESA SANPAOLO

FRA:IES (2/26/2026, 7:00:00 PM)

5.878

+0.06 (+1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)05-05
Inst Owners37.38%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap102.36B
Revenue(TTM)38.72B
Net Income(TTM)9.32B
Analysts77.24
Price Target6.62 (12.62%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.83%
Yearly Dividend0.32
Dividend Growth(5Y)10.12%
DP0%
Div Incr Years2
Div Non Decr Years2
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)3.16%
PT rev (3m)6.94%
EPS NQ rev (1m)60.34%
EPS NQ rev (3m)3.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.5%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)-1.42%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.57%
Valuation
Industry RankSector Rank
PE 12.51
Fwd PE 10.14
P/S 2.64
P/FCF N/A
P/OCF N/A
P/B 1.57
P/tB 1.57
EV/EBITDA N/A
EPS(TTM)0.47
EY8%
EPS(NY)0.58
Fwd EY9.86%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.22
BVpS3.75
TBVpS3.75
PEG (NY)0.94
PEG (5Y)0.87
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) 24.07%
GM N/A
FCFM 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
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 3Y42.15%
PM growth 5Y32.39%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
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-ScoreN/A
WACC5.63%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y13.3%
EPS Next 2Y11.04%
EPS Next 3Y10.11%
EPS Next 5Y9.16%
Revenue 1Y (TTM)-9.14%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.55%
Revenue Next Year1.41%
Revenue Next 2Y2.07%
Revenue Next 3Y2.36%
Revenue Next 5Y2.42%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
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.


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.


What is the profitability of IES stock?

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


Can you provide the expected EPS growth for IES stock?

The Earnings per Share (EPS) of INTESA SANPAOLO (IES.DE) is expected to grow by 13.3% in the next year.


Can you provide the dividend sustainability for IES stock?

The dividend rating of INTESA SANPAOLO (IES.DE) is 6 / 10 and the dividend payout ratio is 0%.