INTESA SANPAOLO (ISP.MI) Stock Fundamental Analysis
Europe - BIT:ISP - IT0000072618 - Common Stock
5.582 EUR
+0.02 (+0.38%)
ISP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. Both the profitability and financial health of ISP have multiple concerns. ISP has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
ISP had positive earnings in the past year.
ISP had a negative operating cash flow in the past year.
ISP had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: ISP reported negative operating cash flow in multiple years.
1.2 Ratios
ISP's Return On Assets of 0.97% is fine compared to the rest of the industry. ISP outperforms 67.01% of its industry peers.
ISP has a better Return On Equity (13.70%) than 72.16% 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
ISP's Profit Margin of 21.93% is in line compared to the rest of the industry. ISP outperforms 50.52% of its industry peers.
ISP's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for ISP so they could not be analyzed.
| 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
ISP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ISP has been reduced compared to 1 year ago.
Compared to 5 years ago, ISP has more shares outstanding
Compared to 1 year ago, ISP has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 2.51 is on the high side and indicates that ISP has dependencies on debt financing.
The Debt to Equity ratio of ISP (2.51) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.51 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.28%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ISP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.90%, which is quite good.
Measured over the past years, ISP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.39% on average per year.
The Revenue has decreased by -3.50% in the past year.
The Revenue has been growing slightly by 6.18% on average over the past years.
EPS 1Y (TTM)19.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%10%
Revenue 1Y (TTM)-3.5%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.06%
3.2 Future
Based on estimates for the next years, ISP will show a small growth in Earnings Per Share. The EPS will grow by 2.12% on average per year.
Based on estimates for the next years, ISP will show a small growth in Revenue. The Revenue will grow by 0.17% on average per year.
EPS Next Y15.64%
EPS Next 2Y11.47%
EPS Next 3Y9.71%
EPS Next 5Y2.12%
Revenue Next Year1.28%
Revenue Next 2Y1.57%
Revenue Next 3Y1.85%
Revenue Next 5Y0.17%
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
ISP is valuated reasonably with a Price/Earnings ratio of 11.88.
Compared to the rest of the industry, the Price/Earnings ratio of ISP indicates a slightly more expensive valuation: ISP is more expensive than 70.10% of the companies listed in the same industry.
ISP is valuated cheaply when we compare the Price/Earnings ratio to 27.08, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.56, the valuation of ISP can be described as reasonable.
ISP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ISP is cheaper than 62.89% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.09, ISP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.88 | ||
| Fwd PE | 9.56 |
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)0.76
PEG (5Y)0.83
EPS Next 2Y11.47%
EPS Next 3Y9.71%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.26%, ISP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.83, ISP pays a bit more dividend than its industry peers.
ISP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.26% |
5.2 History
The dividend of ISP is nicely growing with an annual growth rate of 10.12%!
Dividend Growth(5Y)10.12%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
ISP pays out 67.05% of its income as dividend. This is not a sustainable payout ratio.
The dividend of ISP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP67.05%
EPS Next 2Y11.47%
EPS Next 3Y9.71%
BIT:ISP (10/28/2025, 4:39:12 PM)
5.582
+0.02 (+0.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.03%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap99.38B
Revenue(TTM)41.58B
Net Income(TTM)9.12B
Analysts79.26
Price Target6.04 (8.2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.26% |
Yearly Dividend0.32
Dividend Growth(5Y)10.12%
DP67.05%
Div Incr Years0
Div Non Decr Years0
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)-0.08%
PT rev (3m)11.03%
EPS NQ rev (1m)-1.28%
EPS NQ rev (3m)3.65%
EPS NY rev (1m)0%
EPS NY rev (3m)3.04%
Revenue NQ rev (1m)-2.68%
Revenue NQ rev (3m)-0.81%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)0.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.88 | ||
| Fwd PE | 9.56 | ||
| P/S | 2.39 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.49 | ||
| P/tB | 1.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.47
EY8.42%
EPS(NY)0.58
Fwd EY10.46%
FCF(TTM)-0.31
FCFYN/A
OCF(TTM)-0.21
OCFYN/A
SpS2.34
BVpS3.74
TBVpS3.19
PEG (NY)0.76
PEG (5Y)0.83
Graham Number6.29
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
WACC5.28%
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%10%
EPS Next Y15.64%
EPS Next 2Y11.47%
EPS Next 3Y9.71%
EPS Next 5Y2.12%
Revenue 1Y (TTM)-3.5%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.06%
Revenue Next Year1.28%
Revenue Next 2Y1.57%
Revenue Next 3Y1.85%
Revenue Next 5Y0.17%
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 / ISP.MI FAQ
What is the fundamental rating for ISP stock?
ChartMill assigns a fundamental rating of 3 / 10 to ISP.MI.
What is the valuation status of INTESA SANPAOLO (ISP.MI) stock?
ChartMill assigns a valuation rating of 4 / 10 to INTESA SANPAOLO (ISP.MI). This can be considered as Fairly Valued.
What is the profitability of ISP stock?
INTESA SANPAOLO (ISP.MI) has a profitability rating of 3 / 10.
How financially healthy is INTESA SANPAOLO?
The financial health rating of INTESA SANPAOLO (ISP.MI) is 1 / 10.
How sustainable is the dividend of INTESA SANPAOLO (ISP.MI) stock?
The dividend rating of INTESA SANPAOLO (ISP.MI) is 6 / 10 and the dividend payout ratio is 67.05%.