INTESA SANPAOLO(FRA:IES) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to IES. IES was compared to 92 industry peers in the Banks industry. IES may be in some trouble as it scores bad on both profitability and health. IES is valued correctly, but it does not seem to be growing. IES also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year IES was profitable.

IES had a negative operating cash flow in the past year.

Each year in the past 5 years IES has been profitable.

The reported operating cash flow has been mixed in the past 5 years: IES reported negative operating cash flow in multiple years.

1.2 Ratios

IES's Return On Assets of 0.93% is fine compared to the rest of the industry. IES outperforms 64.13% of its industry peers.

Looking at the Return On Equity, with a value of 13.30%, IES is in the better half of the industry, outperforming 75.00% 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

IES's Profit Margin of 20.34% is in line compared to the rest of the industry. IES outperforms 46.74% of its industry peers.

IES's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for IES so they could not be analyzed.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The debt/assets ratio for IES is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 2.39 is on the high side and indicates that IES has dependencies on debt financing.

IES's Debt to Equity ratio of 2.39 is in line compared to the rest of the industry. IES outperforms 42.39% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.39
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.26%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.90% 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.

The Revenue has grown by 10.25% in the past year. This is quite good.

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)19.9%

EPS 3Y28.79%

EPS 5Y14.39%

EPS Q2Q%-2.44%

Revenue 1Y (TTM)10.25%

Revenue growth 3Y6.5%

Revenue growth 5Y6.18%

Sales Q2Q%4.63%

3.2 Future

IES is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.66% yearly.

The Revenue is expected to decrease by -1.63% on average over the next years.

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.41, which indicates a very decent valuation of IES.

Compared to the rest of the industry, the Price/Earnings ratio of IES indicates a slightly more expensive valuation: IES is more expensive than 60.87% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 24.83. IES is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 9.27, the valuation of IES can be described as reasonable.

The rest of the industry has a similar Price/Forward Earnings ratio as IES.

IES's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.94.

		Industry Rank	Sector Rank
PE	10.41
Fwd PE	9.27

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)0.85

PEG (5Y)0.72

EPS Next 2Y8.8%

EPS Next 3Y7.9%

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5. Dividend

5.1 Amount

IES has a Yearly Dividend Yield of 7.09%, which is a nice return.

IES's Dividend Yield is rather good when compared to the industry average which is at 5.15. IES pays more dividend than 85.87% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.41, IES pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.09%

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

67.27% of the earnings are spent on dividend by IES. 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%

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INTESA SANPAOLO

FRA:IES (5/12/2025, 7:00:00 PM)

4.8905

+0.03 (+0.71%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-06 2025-05-06

Earnings (Next)07-30 2025-07-30

Inst Owners34.48%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap87.07B

Analysts82.86

Price Target5.13 (4.9%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.09%

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)1.65%

PT rev (3m)10.15%

EPS NQ rev (1m)-3.57%

EPS NQ rev (3m)N/A

EPS NY rev (1m)-0.02%

EPS NY rev (3m)0.74%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.78%

Revenue NY rev (3m)1.25%

Valuation

		Industry Rank	Sector Rank
PE	10.41
Fwd PE	9.27
P/S	2.04
P/FCF	N/A
P/OCF	N/A
P/B	1.34
P/tB	1.57
EV/EBITDA	N/A

EPS(TTM)0.47

EY9.61%

EPS(NY)0.53

Fwd EY10.79%

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 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

WACC5.26%

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)19.9%

EPS 3Y28.79%

EPS 5Y14.39%

EPS Q2Q%-2.44%

EPS Next Y12.23%

EPS Next 2Y8.8%

EPS Next 3Y7.9%

EPS Next 5Y-1.66%

Revenue 1Y (TTM)10.25%

Revenue growth 3Y6.5%

Revenue growth 5Y6.18%

Sales Q2Q%4.63%

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

INTESA SANPAOLO (IES.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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