ISP Fundamental Analysis - INTESA SANPAOLO

Fundamental Rating

Taking everything into account, ISP scores 3 out of 10 in our fundamental rating. ISP was compared to 97 industry peers in the Banks industry. ISP may be in some trouble as it scores bad on both profitability and health. ISP has a valuation in line with the averages, but on the other hand it scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year ISP was profitable.

In the past year ISP has reported a negative cash flow from operations.

In the past 5 years ISP has always been profitable.

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

With a decent Return On Assets value of 0.97%, ISP is doing good in the industry, outperforming 67.01% of the companies in the same industry.

ISP has a Return On Equity of 13.70%. This is in the better half of the industry: ISP outperforms 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 48.45% of its industry peers.

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

ISP 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ISP does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, ISP has less shares outstanding

Compared to 5 years ago, ISP has more shares outstanding

ISP has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 2.51 is on the high side and indicates that ISP has dependencies on debt financing.

ISP has a Debt to Equity ratio (2.51) which 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

WACC5.22%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

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.

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.

Looking at the last year, ISP shows a decrease in Revenue. The Revenue has decreased by -3.50% in the last year.

ISP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.18% yearly.

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

The Earnings Per Share is expected to grow by 1.77% on average over the next years.

Based on estimates for the next years, ISP will show a decrease in Revenue. The Revenue will decrease by -0.16% on average per year.

EPS Next Y15.64%

EPS Next 2Y11.47%

EPS Next 3Y9.71%

EPS Next 5Y1.77%

Revenue Next Year1.3%

Revenue Next 2Y1.55%

Revenue Next 3Y1.83%

Revenue Next 5Y-0.16%

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

Based on the Price/Earnings ratio of 11.94, the valuation of ISP can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of ISP indicates a slightly more expensive valuation: ISP is more expensive than 71.13% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of ISP to the average of the S&P500 Index (27.76), we can say ISP is valued rather cheaply.

A Price/Forward Earnings ratio of 9.61 indicates a reasonable valuation of ISP.

Compared to the rest of the industry, the Price/Forward Earnings ratio of ISP indicates a somewhat cheap valuation: ISP is cheaper than 67.01% of the companies listed in the same industry.

ISP is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.18, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.94
Fwd PE	9.61

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

ISP's 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%

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5. Dividend

5.1 Amount

ISP has a Yearly Dividend Yield of 6.29%, which is a nice return.

ISP's Dividend Yield is a higher than the industry average which is at 5.02.

ISP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.

		Industry Rank	Sector Rank
Dividend Yield	6.29%

5.2 History

On average, the dividend of ISP grows each year by 10.12%, which is quite nice.

Dividend Growth(5Y)10.12%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

67.05% of the earnings are spent on dividend by ISP. This is not a sustainable payout ratio.

ISP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP67.05%

EPS Next 2Y11.47%

EPS Next 3Y9.71%

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INTESA SANPAOLO

BIT:ISP (9/30/2025, 7:00:00 PM)

5.614

+0.06 (+1.04%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-30 2025-07-30

Earnings (Next)10-31 2025-10-31

Inst Owners36.03%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap99.95B

Analysts80

Price Target6.04 (7.59%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.29%

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)0.94%

PT rev (3m)12.75%

EPS NQ rev (1m)1.87%

EPS NQ rev (3m)N/A

EPS NY rev (1m)-0.29%

EPS NY rev (3m)3.04%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-0.39%

Revenue NY rev (3m)0.75%

Valuation

		Industry Rank	Sector Rank
PE	11.94
Fwd PE	9.61
P/S	2.4
P/FCF	N/A
P/OCF	N/A
P/B	1.5
P/tB	1.76
EV/EBITDA	N/A

EPS(TTM)0.47

EY8.37%

EPS(NY)0.58

Fwd EY10.4%

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

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

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-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

WACC5.22%

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 5Y1.77%

Revenue 1Y (TTM)-3.5%

Revenue growth 3Y6.5%

Revenue growth 5Y6.18%

Sales Q2Q%2.06%

Revenue Next Year1.3%

Revenue Next 2Y1.55%

Revenue Next 3Y1.83%

Revenue Next 5Y-0.16%

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) 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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens