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INTESA SANPAOLO (IES.DE) Stock Fundamental Analysis

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

5.085  +0.02 (+0.47%)

Fundamental Rating

3

IES gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 92 industry peers in the Banks industry. IES may be in some trouble as it scores bad on both profitability and health. IES has a valuation in line with the averages, but on the other hand it scores bad on growth. IES also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year IES was profitable.
In the past year IES has reported a negative cash flow from operations.
IES had positive earnings in each of the past 5 years.
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 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 61.96% of its industry peers.
The Return On Equity of IES (13.30%) is better than 71.74% 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

IES's Profit Margin of 20.34% is in line compared to the rest of the industry. IES outperforms 43.48% of its industry peers.
In the last couple of years the Profit Margin of IES has grown nicely.
IES does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
Compared to 1 year ago, IES has less shares outstanding
The number of shares outstanding for IES has been increased compared to 5 years ago.
Compared to 1 year ago, IES has a worse debt to assets ratio.
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

IES has a Debt/Equity ratio of 2.39. This is a high value indicating a heavy dependency on external financing.
IES has a Debt to Equity ratio of 2.39. This is comparable to the rest of the industry: IES outperforms 41.30% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.18%
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

IES shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.11%, 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.
IES shows a small growth in Revenue. In the last year, the Revenue has grown by 6.65%.
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)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

The Earnings Per Share is expected to grow by 1.44% 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 -0.46% on average per year.
EPS Next Y12.23%
EPS Next 2Y8.8%
EPS Next 3Y7.9%
EPS Next 5Y1.44%
Revenue Next Year0.55%
Revenue Next 2Y1.1%
Revenue Next 3Y1.54%
Revenue Next 5Y-0.46%

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

A Price/Earnings ratio of 10.38 indicates a reasonable valuation of IES.
The rest of the industry has a similar Price/Earnings ratio as IES.
The average S&P500 Price/Earnings ratio is at 27.93. IES is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.14, which indicates a very decent valuation of IES.
Based on the Price/Forward Earnings ratio, IES is valued a bit cheaper than the industry average as 65.22% of the companies are valued more expensively.
IES's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.78.
Industry RankSector Rank
PE 10.38
Fwd PE 9.14
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

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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.85
PEG (5Y)0.72
EPS Next 2Y8.8%
EPS Next 3Y7.9%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.80%, IES is a good candidate for dividend investing.
IES's Dividend Yield is rather good when compared to the industry average which is at 5.01. IES pays more dividend than 83.70% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, IES pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.8%

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 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.
The dividend of IES is growing, but the earnings are growing slower. 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 (7/28/2025, 7:00:00 PM)

5.085

+0.02 (+0.47%)

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 Cap90.53B
Analysts79.26
Price Target5.38 (5.8%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.8%
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)0.21%
PT rev (3m)5.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.57%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.24%
Valuation
Industry RankSector Rank
PE 10.38
Fwd PE 9.14
P/S 2.12
P/FCF N/A
P/OCF N/A
P/B 1.39
P/tB 1.64
EV/EBITDA N/A
EPS(TTM)0.49
EY9.64%
EPS(NY)0.56
Fwd EY10.94%
FCF(TTM)-2.35
FCFYN/A
OCF(TTM)-2.26
OCFYN/A
SpS2.39
BVpS3.66
TBVpS3.11
PEG (NY)0.85
PEG (5Y)0.72
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
WACC5.18%
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 5Y1.44%
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-0.46%
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