INTESA SANPAOLO (IES.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:IES - IT0000072618 - Common Stock
5.782 EUR
+0.03 (+0.54%)
Taking everything into account, IES scores 3 out of 10 in our fundamental rating. IES was compared to 111 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.
1. Profitability
1.1 Basic Checks
- In the past year IES was profitable.
- IES had a negative operating cash flow in the past year.
- In the past 5 years IES has always been profitable.
- In multiple years IES reported negative operating cash flow during the last 5 years.
1.2 Ratios
- IES's Return On Assets of 0.97% is fine compared to the rest of the industry. IES outperforms 63.06% of its industry peers.
- IES's Return On Equity of 13.70% is fine compared to the rest of the industry. IES outperforms 71.17% of its industry peers.
| 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
- Looking at the Profit Margin, with a value of 21.93%, IES is in line with its industry, outperforming 45.95% 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) | 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
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
- IES has more shares outstanding than it did 5 years ago.
- 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.
- IES has a worse Debt to Equity ratio (2.51) than 61.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.51 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.57%
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 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.
- The Revenue has decreased by -8.03% in the past year.
- 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)11.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%0%
Revenue 1Y (TTM)-8.03%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%-2.34%
3.2 Future
- IES is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.52% yearly.
- IES is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.58% yearly.
EPS Next Y13.3%
EPS Next 2Y11.04%
EPS Next 3Y10.11%
EPS Next 5Y5.52%
Revenue Next Year1.41%
Revenue Next 2Y2.07%
Revenue Next 3Y2.36%
Revenue Next 5Y1.58%
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.
4. Valuation
4.1 Price/Earnings Ratio
- IES is valuated correctly with a Price/Earnings ratio of 12.30.
- Based on the Price/Earnings ratio, IES is valued a bit more expensive than 64.86% of the companies in the same industry.
- IES is valuated cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 9.98, the valuation of IES can be described as reasonable.
- 78.38% of the companies in the same industry are more expensive than IES, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.30, IES is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.3 | ||
| Fwd PE | 9.98 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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)0.92
PEG (5Y)0.86
EPS Next 2Y11.04%
EPS Next 3Y10.11%
5. Dividend
5.1 Amount
- IES has a Yearly Dividend Yield of 5.68%, which is a nice return.
- IES's Dividend Yield is a higher than the industry average which is at 4.03.
- Compared to an average S&P500 Dividend Yield of 1.86, IES pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
5.2 History
- On average, the dividend of IES grows each year by 10.12%, which is quite nice.
Dividend Growth(5Y)10.12%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
- 67.05% 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.
DP67.05%
EPS Next 2Y11.04%
EPS Next 3Y10.11%
FRA:IES (1/21/2026, 7:00:00 PM)
5.782
+0.03 (+0.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-31 2025-10-31/dmh
Earnings (Next)02-02 2026-02-02/amc
Inst Owners37.38%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap100.68B
Revenue(TTM)41.63B
Net Income(TTM)9.12B
Analysts78.57
Price Target6.42 (11.03%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
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)2.03%
PT rev (3m)6.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.11%
EPS NY rev (1m)-0.86%
EPS NY rev (3m)-2.02%
Revenue NQ rev (1m)-0.48%
Revenue NQ rev (3m)-4.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.3 | ||
| Fwd PE | 9.98 | ||
| P/S | 2.42 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.51 | ||
| P/tB | 1.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.47
EY8.13%
EPS(NY)0.58
Fwd EY10.02%
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS2.39
BVpS3.82
TBVpS3.26
PEG (NY)0.92
PEG (5Y)0.86
Graham Number6.36
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
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 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
WACC5.57%
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)11.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%0%
EPS Next Y13.3%
EPS Next 2Y11.04%
EPS Next 3Y10.11%
EPS Next 5Y5.52%
Revenue 1Y (TTM)-8.03%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%-2.34%
Revenue Next Year1.41%
Revenue Next 2Y2.07%
Revenue Next 3Y2.36%
Revenue Next 5Y1.58%
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 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 67.05%.