INTESA SANPAOLO (IES.DE) Stock Fundamental Analysis
FRA:IES - Deutsche Boerse Ag - IT0000072618 - Common Stock - Currency: EUR
IES gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 94 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 it does not seem to be growing. Finally IES also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year IES was profitable.
IES had a negative operating cash flow 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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.93%, IES is in the better half of the industry, outperforming 62.77% of the companies in the same industry.
With a decent Return On Equity value of 13.30%, IES is doing good in the industry, outperforming 72.34% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
With a Profit Margin value of 20.34%, IES perfoms like the industry average, outperforming 43.62% of the companies in the same industry.
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 Rank | Sector 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
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.
IES has more shares outstanding than it did 5 years ago.
The debt/assets ratio for IES is higher compared to a year ago.
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 (2.39) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.39 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
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%.
The Revenue has been growing slightly by 6.18% on average over the past years.
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 decrease in Earnings Per Share. The EPS will decrease by -1.66% on average per year.
IES is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.63% yearly.
EPS Next Y12.23%
EPS Next 2Y8.8%
EPS Next 3Y7.9%
EPS Next 5Y-1.66%
Revenue Next Year0.55%
Revenue Next 2Y1.1%
Revenue Next 3Y1.54%
Revenue Next 5Y-1.63%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.10, the valuation of IES can be described as reasonable.
IES's Price/Earnings ratio is a bit more expensive when compared to the industry. IES is more expensive than 61.70% of the companies in the same industry.
IES is valuated cheaply when we compare the Price/Earnings ratio to 26.52, which is the current average of the S&P500 Index.
IES is valuated reasonably with a Price/Forward Earnings ratio of 8.89.
IES's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. IES is cheaper than 62.77% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of IES to the average of the S&P500 Index (22.25), we can say IES is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.1 | ||
| Fwd PE | 8.89 |
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)0.83
PEG (5Y)0.7
EPS Next 2Y8.8%
EPS Next 3Y7.9%
5. Dividend
5.1 Amount
IES has a Yearly Dividend Yield of 7.03%, which is a nice return.
IES's Dividend Yield is rather good when compared to the industry average which is at 5.02. IES pays more dividend than 87.23% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, IES pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.03% |
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 67.27% of its income as dividend. This is not a sustainable payout ratio.
IES's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP67.27%
EPS Next 2Y8.8%
EPS Next 3Y7.9%
FRA:IES (6/5/2025, 7:00:00 PM)
4.947
+0.14 (+2.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners34.48%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap88.07B
Analysts82.86
Price Target5.13 (3.7%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.03% |
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)0.3%
PT rev (3m)5.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
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)0.24%
Revenue NY rev (3m)0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.1 | ||
| Fwd PE | 8.89 | ||
| P/S | 2.07 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.35 | ||
| P/tB | 1.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.49
EY9.9%
EPS(NY)0.56
Fwd EY11.25%
FCF(TTM)-2.35
FCFYN/A
OCF(TTM)-2.26
OCFYN/A
SpS2.39
BVpS3.66
TBVpS3.11
PEG (NY)0.83
PEG (5Y)0.7
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC5.34%
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 5Y-1.66%
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-1.63%
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