INTESA SANPAOLO (ISP.MI) Fundamental Analysis & Valuation

BIT:ISP • IT0000072618

5.204 EUR
-0.11 (-2.09%)
Last: Mar 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

3

Overall ISP gets a fundamental rating of 3 out of 10. We evaluated ISP against 106 industry peers in the Banks industry. Both the profitability and financial health of ISP have multiple concerns. ISP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

1. ISP.MI Profitability Analysis

1.1 Basic Checks

  • ISP had positive earnings in the past year.
  • Each year in the past 5 years ISP has been profitable.
  • In multiple years ISP reported negative operating cash flow during the last 5 years.
ISP.MI Yearly Net Income VS EBIT VS OCF VS FCFISP.MI 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

  • ISP has a Return On Assets (0.97%) which is comparable to the rest of the industry.
  • ISP has a Return On Equity of 14.29%. This is in the better half of the industry: ISP outperforms 77.36% 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
ISP.MI Yearly ROA, ROE, ROICISP.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • With a Profit Margin value of 24.07%, ISP perfoms like the industry average, outperforming 48.11% of the companies in the same industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 24.07%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y42.15%
PM growth 5Y32.39%
GM growth 3YN/A
GM growth 5YN/A
ISP.MI Yearly Profit, Operating, Gross MarginsISP.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. ISP.MI Health Analysis

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 about the same amount of shares outstanding.
  • The number of shares outstanding for ISP has been reduced compared to 5 years ago.
  • The debt/assets ratio for ISP has been reduced compared to a year ago.
ISP.MI Yearly Shares OutstandingISP.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
ISP.MI Yearly Total Debt VS Total AssetsISP.MI 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

  • ISP has a Debt/Equity ratio of 0.89. This is a neutral value indicating ISP is somewhat dependend on debt financing.
  • ISP has a Debt to Equity ratio of 0.89. This is in the better half of the industry: ISP outperforms 67.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.49%
ISP.MI Yearly LT Debt VS Equity VS FCFISP.MI 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
ISP.MI Yearly Current Assets VS Current LiabilitesISP.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

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

4

3. ISP.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 11.90% 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 -9.14% 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)11.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%12.5%
Revenue 1Y (TTM)-9.14%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.55%

3.2 Future

  • Based on estimates for the next years, ISP will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.16% on average per year.
  • The Revenue is expected to grow by 2.42% on average over the next years.
EPS Next Y13.3%
EPS Next 2Y11.04%
EPS Next 3Y10.11%
EPS Next 5Y9.16%
Revenue Next Year0.94%
Revenue Next 2Y2.12%
Revenue Next 3Y2.44%
Revenue Next 5Y2.42%

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.
ISP.MI Yearly Revenue VS EstimatesISP.MI 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
ISP.MI Yearly EPS VS EstimatesISP.MI 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

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4

4. ISP.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.07, which indicates a very decent valuation of ISP.
  • Compared to the rest of the industry, the Price/Earnings ratio of ISP is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, ISP is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.98, which indicates a very decent valuation of ISP.
  • ISP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ISP is cheaper than 78.30% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.57, ISP is valued rather cheaply.
Industry RankSector Rank
PE 11.07
Fwd PE 8.98
ISP.MI Price Earnings VS Forward Price EarningsISP.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ISP.MI Per share dataISP.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

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)0.83
PEG (5Y)0.77
EPS Next 2Y11.04%
EPS Next 3Y10.11%

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

6

5. ISP.MI Dividend Analysis

5.1 Amount

  • ISP has a Yearly Dividend Yield of 7.07%, which is a nice return.
  • ISP's Dividend Yield is a higher than the industry average which is at 4.55.
  • Compared to an average S&P500 Dividend Yield of 1.82, ISP pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.07%

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

  • The dividend of ISP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y11.04%
EPS Next 3Y10.11%
ISP.MI Yearly Income VS Free CF VS DividendISP.MI 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

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ISP.MI Fundamentals: All Metrics, Ratios and Statistics

INTESA SANPAOLO

BIT:ISP (3/6/2026, 7:00:00 PM)

5.204

-0.11 (-2.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)05-05
Inst Owners36.89%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap90.62B
Revenue(TTM)38.72B
Net Income(TTM)9.32B
Analysts78.62
Price Target6.86 (31.82%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.07%
Yearly Dividend0.32
Dividend Growth(5Y)10.12%
DP0%
Div Incr Years0
Div Non Decr Years0
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)7%
PT rev (3m)9.24%
EPS NQ rev (1m)60.34%
EPS NQ rev (3m)10.71%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.5%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.68%
Valuation
Industry RankSector Rank
PE 11.07
Fwd PE 8.98
P/S 2.34
P/FCF N/A
P/OCF N/A
P/B 1.39
P/tB 1.39
EV/EBITDA N/A
EPS(TTM)0.47
EY9.03%
EPS(NY)0.58
Fwd EY11.14%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.22
BVpS3.75
TBVpS3.75
PEG (NY)0.83
PEG (5Y)0.77
Graham Number6.29
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) 24.07%
GM N/A
FCFM 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
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 3Y42.15%
PM growth 5Y32.39%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
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-ScoreN/A
WACC5.49%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y13.3%
EPS Next 2Y11.04%
EPS Next 3Y10.11%
EPS Next 5Y9.16%
Revenue 1Y (TTM)-9.14%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.55%
Revenue Next Year0.94%
Revenue Next 2Y2.12%
Revenue Next 3Y2.44%
Revenue Next 5Y2.42%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
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 for ISP 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.


What are the PE and PB ratios of INTESA SANPAOLO (ISP.MI) stock?

The Price/Earnings (PE) ratio for INTESA SANPAOLO (ISP.MI) is 11.07 and the Price/Book (PB) ratio is 1.39.


Can you provide the expected EPS growth for ISP stock?

The Earnings per Share (EPS) of INTESA SANPAOLO (ISP.MI) is expected to grow by 13.3% in the next year.