INTESA SANPAOLO (IES.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:IES - IT0000072618 - Common Stock
5.996 EUR
+0.05 (+0.79%)
Taking everything into account, IES scores 3 out of 10 in our fundamental rating. IES was compared to 118 industry peers in the Banks industry. Both the profitability and financial health of IES have multiple concerns. IES is valued correctly, but it does not seem to be growing.
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.
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
With a decent Return On Assets value of 0.97%, IES is doing good in the industry, outperforming 61.02% of the companies in the same industry.
With a decent Return On Equity value of 13.70%, IES is doing good in the industry, outperforming 70.34% 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
IES's Profit Margin of 21.93% is in line compared to the rest of the industry. IES outperforms 43.22% of its industry peers.
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
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.
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.
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 doing worse than 62.71% 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
WACC5.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 11.90% 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.
IES shows a decrease in Revenue. In the last year, the revenue decreased by -8.03%.
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%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.
Based on estimates for the next years, IES will show a small growth in Revenue. The Revenue will grow by 1.58% on average per year.
EPS Next Y14.29%
EPS Next 2Y11.35%
EPS Next 3Y10.16%
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.
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 12.76, the valuation of IES can be described as correct.
IES's Price/Earnings ratio is a bit more expensive when compared to the industry. IES is more expensive than 72.03% of the companies in the same industry.
IES's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.25.
IES is valuated reasonably with a Price/Forward Earnings ratio of 10.29.
Based on the Price/Forward Earnings ratio, IES is valued a bit cheaper than the industry average as 75.42% of the companies are valued more expensively.
IES is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.76 | ||
| Fwd PE | 10.29 |
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)0.89
PEG (5Y)0.89
EPS Next 2Y11.35%
EPS Next 3Y10.16%
5. Dividend
5.1 Amount
IES has a Yearly Dividend Yield of 5.74%, which is a nice return.
Compared to an average industry Dividend Yield of 4.05, IES pays a bit more dividend than its industry peers.
IES's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.74% |
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
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 2Y11.35%
EPS Next 3Y10.16%
FRA:IES (1/12/2026, 7:00:00 PM)
5.996
+0.05 (+0.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.38%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap104.41B
Revenue(TTM)41.63B
Net Income(TTM)9.12B
Analysts78.57
Price Target6.38 (6.4%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.74% |
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)1.38%
PT rev (3m)5.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.11%
EPS NY rev (1m)0.02%
EPS NY rev (3m)-1.17%
Revenue NQ rev (1m)-0.48%
Revenue NQ rev (3m)-4.31%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.76 | ||
| Fwd PE | 10.29 | ||
| P/S | 2.51 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.57 | ||
| P/tB | 1.84 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.47
EY7.84%
EPS(NY)0.58
Fwd EY9.72%
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS2.39
BVpS3.82
TBVpS3.26
PEG (NY)0.89
PEG (5Y)0.89
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
WACC5.53%
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 Y14.29%
EPS Next 2Y11.35%
EPS Next 3Y10.16%
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 14.29% 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%.