INTESA SANPAOLO (IES.DE) Fundamental Analysis & Valuation

FRA:IES • IT0000072618

Current stock price

5.775 EUR
+0.05 (+0.91%)
Last:

This IES.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. IES.DE Profitability Analysis

1.1 Basic Checks

  • IES had positive earnings in the past year.
  • IES had a positive 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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50B 100B

1.2 Ratios

  • IES's Return On Assets of 0.97% is fine compared to the rest of the industry. IES outperforms 63.37% of its industry peers.
  • IES has a better Return On Equity (14.29%) than 74.26% of its industry peers.
Industry RankSector Rank
ROA 0.97%
ROE 14.29%
ROIC N/A
ROA(3y)0.9%
ROA(5y)0.71%
ROE(3y)13.22%
ROE(5y)10.68%
ROIC(3y)N/A
ROIC(5y)N/A
IES.DE Yearly ROA, ROE, ROICIES.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • IES has a Profit Margin (21.97%) which is in line with 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) 21.97%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.09%
PM growth 5Y19.65%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. IES.DE Health Analysis

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 reduced 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
IES.DE Yearly Total Debt VS Total AssetsIES.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B 1T

2.2 Solvency

  • The Debt to FCF ratio of IES is 15.09, which is on the high side as it means it would take IES, 15.09 years of fcf income to pay off all of its debts.
  • IES's Debt to FCF ratio of 15.09 is fine compared to the rest of the industry. IES outperforms 75.25% of its industry peers.
  • IES has a Debt/Equity ratio of 2.39. This is a high value indicating a heavy dependency on external financing.
  • IES's Debt to Equity ratio of 2.39 is on the low side compared to the rest of the industry. IES is outperformed by 61.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF 15.09
Altman-Z N/A
ROIC/WACCN/A
WACC5.58%
IES.DE Yearly LT Debt VS Equity VS FCFIES.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. IES.DE Growth Analysis

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.
  • IES shows a decrease in Revenue. In the last year, the revenue decreased by -0.45%.
  • The Revenue has been growing slightly by 6.18% on average over the past years.
EPS 1Y (TTM)11.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%12.5%
Revenue 1Y (TTM)-0.45%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.55%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.58% on average over the next years.
  • Based on estimates for the next years, IES will show a small growth in Revenue. The Revenue will grow by 2.25% on average per year.
EPS Next Y12.93%
EPS Next 2Y11.34%
EPS Next 3Y10.35%
EPS Next 5Y7.58%
Revenue Next Year0.94%
Revenue Next 2Y2.09%
Revenue Next 3Y2.49%
Revenue Next 5Y2.25%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.2 0.4 0.6

More info and screens

Find the best growth stocksShow best growing peers

5

4. IES.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • IES is valuated correctly with a Price/Earnings ratio of 12.29.
  • IES's Price/Earnings ratio is a bit more expensive when compared to the industry. IES is more expensive than 64.36% 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 26.64.
  • A Price/Forward Earnings ratio of 9.91 indicates a reasonable valuation of IES.
  • Based on the Price/Forward Earnings ratio, IES is valued a bit cheaper than the industry average as 78.22% of the companies are valued more expensively.
  • IES is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.29
Fwd PE 9.91
IES.DE Price Earnings VS Forward Price EarningsIES.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 62.38% of the companies in the same industry are more expensive than IES, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 15.27
EV/EBITDA N/A
IES.DE Per share dataIES.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

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)0.95
PEG (5Y)0.85
EPS Next 2Y11.34%
EPS Next 3Y10.35%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. IES.DE Dividend Analysis

5.1 Amount

  • IES has a Yearly Dividend Yield of 6.62%, which is a nice return.
  • IES's Dividend Yield is rather good when compared to the industry average which is at 4.48. IES pays more dividend than 84.16% of the companies in the same industry.
  • IES's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 6.62%

5.2 History

  • The dividend of IES is nicely growing with an annual growth rate of 177.14%!
Dividend Growth(5Y)177.14%
Div Incr Years3
Div Non Decr Years3
IES.DE Yearly Dividends per shareIES.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3

5.3 Sustainability

  • 67.85% 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.
DP67.85%
EPS Next 2Y11.34%
EPS Next 3Y10.35%
IES.DE Yearly Income VS Free CF VS DividendIES.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50B 100B
IES.DE Dividend Payout.IES.DE Dividend Payout, showing the Payout Ratio.IES.DE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

IES.DE Fundamentals: All Metrics, Ratios and Statistics

INTESA SANPAOLO

FRA:IES (4/30/2026, 7:00:00 PM)

5.775

+0.05 (+0.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength83.78
Industry Growth90.67
Earnings (Last)02-02
Earnings (Next)05-05
Inst Owners37.19%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap100.56B
Revenue(TTM)42.42B
Net Income(TTM)9.32B
Analysts79.31
Price Target6.8 (17.75%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.62%
Yearly Dividend0.36
Dividend Growth(5Y)177.14%
DP67.85%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.04%
Min EPS beat(2)-3.4%
Max EPS beat(2)-2.67%
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)0
Avg Revenue beat(2)-1.13%
Min Revenue beat(2)-1.95%
Max Revenue beat(2)-0.32%
Revenue beat(4)2
Avg Revenue beat(4)0.57%
Min Revenue beat(4)-1.95%
Max Revenue beat(4)2.32%
Revenue beat(8)5
Avg Revenue beat(8)1.03%
Revenue beat(12)8
Avg Revenue beat(12)11.08%
Revenue beat(16)11
Avg Revenue beat(16)16.12%
PT rev (1m)-0.97%
PT rev (3m)5.92%
EPS NQ rev (1m)-1.94%
EPS NQ rev (3m)57.24%
EPS NY rev (1m)0%
EPS NY rev (3m)0.53%
Revenue NQ rev (1m)-0.33%
Revenue NQ rev (3m)-0.47%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)0.04%
Valuation
Industry RankSector Rank
PE 12.29
Fwd PE 9.91
P/S 2.37
P/FCF 15.27
P/OCF 12.21
P/B 1.54
P/tB 1.82
EV/EBITDA N/A
EPS(TTM)0.47
EY8.14%
EPS(NY)0.58
Fwd EY10.09%
FCF(TTM)0.38
FCFY6.55%
OCF(TTM)0.47
OCFY8.19%
SpS2.44
BVpS3.75
TBVpS3.17
PEG (NY)0.95
PEG (5Y)0.85
Graham Number6.29374 (8.98%)
Profitability
Industry RankSector Rank
ROA 0.97%
ROE 14.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.97%
GM N/A
FCFM 15.52%
ROA(3y)0.9%
ROA(5y)0.71%
ROE(3y)13.22%
ROE(5y)10.68%
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 3Y20.09%
PM growth 5Y19.65%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF 15.09
Debt/EBITDA N/A
Cap/Depr 92.18%
Cap/Sales 3.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 70.65%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.58%
ROIC/WACCN/A
Cap/Depr(3y)95.67%
Cap/Depr(5y)103.12%
Cap/Sales(3y)3.82%
Cap/Sales(5y)4.3%
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%12.5%
EPS Next Y12.93%
EPS Next 2Y11.34%
EPS Next 3Y10.35%
EPS Next 5Y7.58%
Revenue 1Y (TTM)-0.45%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.55%
Revenue Next Year0.94%
Revenue Next 2Y2.09%
Revenue Next 3Y2.49%
Revenue Next 5Y2.25%
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 1Y115.73%
FCF growth 3Y-59.68%
FCF growth 5YN/A
OCF growth 1Y120.49%
OCF growth 3Y-56.82%
OCF growth 5YN/A

INTESA SANPAOLO / IES.DE Fundamental Analysis 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 5 / 10 to INTESA SANPAOLO (IES.DE). This can be considered as Fairly Valued.


How profitable is INTESA SANPAOLO (IES.DE) stock?

INTESA SANPAOLO (IES.DE) has a profitability rating of 3 / 10.


Can you provide the financial health for IES stock?

The financial health rating of INTESA SANPAOLO (IES.DE) is 2 / 10.


Is the dividend of INTESA SANPAOLO sustainable?

The dividend rating of INTESA SANPAOLO (IES.DE) is 7 / 10 and the dividend payout ratio is 67.85%.