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INTESA SANPAOLO (ISP.MI) Stock Fundamental Analysis

BIT:ISP - IT0000072618 - Common Stock

5.325 EUR
+0.03 (+0.64%)
Last: 9/8/2025, 1:50:06 PM
Fundamental Rating

3

Overall ISP gets a fundamental rating of 3 out of 10. We evaluated ISP against 89 industry peers in the Banks industry. ISP has a bad profitability rating. Also its financial health evaluation is rather negative. ISP has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

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.
In the past 5 years ISP has always 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B 100B

1.2 Ratios

The Return On Assets of ISP (0.97%) is better than 67.42% of its industry peers.
ISP's Return On Equity of 13.70% is fine compared to the rest of the industry. ISP outperforms 73.03% of its industry peers.
Industry RankSector 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
ISP.MI Yearly ROA, ROE, ROICISP.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 21.93%, ISP perfoms like the industry average, outperforming 49.44% of the companies in the same industry.
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 RankSector 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
ISP.MI Yearly Profit, Operating, Gross MarginsISP.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

ISP does not have a ROIC to compare to the WACC, probably because it is not profitable.
ISP has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, ISP has more shares outstanding
The debt/assets ratio for ISP is higher compared to a year ago.
ISP.MI Yearly Shares OutstandingISP.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
ISP.MI Yearly Total Debt VS Total AssetsISP.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B 1T

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 of 2.51. This is comparable to the rest of the industry: ISP outperforms 43.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.51
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.17%
ISP.MI Yearly LT Debt VS Equity VS FCFISP.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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3

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

The Earnings Per Share is expected to grow by 1.77% on average over the next years.
The Revenue is expected to decrease by -0.16% on average over the next years.
EPS Next Y15.97%
EPS Next 2Y11.22%
EPS Next 3Y9.67%
EPS Next 5Y1.77%
Revenue Next Year1.69%
Revenue Next 2Y1.7%
Revenue Next 3Y1.99%
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.
ISP.MI Yearly Revenue VS EstimatesISP.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 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. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.33, which indicates a very decent valuation of ISP.
Based on the Price/Earnings ratio, ISP is valued a bit more expensive than 67.42% of the companies in the same industry.
ISP is valuated cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.16, the valuation of ISP can be described as reasonable.
Based on the Price/Forward Earnings ratio, ISP is valued a bit cheaper than 61.80% of the companies in the same industry.
ISP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.69.
Industry RankSector Rank
PE 11.33
Fwd PE 9.16
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 0 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)0.71
PEG (5Y)0.79
EPS Next 2Y11.22%
EPS Next 3Y9.67%

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6

5. Dividend

5.1 Amount

ISP has a Yearly Dividend Yield of 6.36%, which is a nice return.
Compared to an average industry Dividend Yield of 5.09, ISP pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, ISP pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.36%

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.
The dividend of ISP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP67.05%
EPS Next 2Y11.22%
EPS Next 3Y9.67%
ISP.MI Yearly Income VS Free CF VS DividendISP.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B 100B
ISP.MI Dividend Payout.ISP.MI Dividend Payout, showing the Payout Ratio.ISP.MI Dividend Payout.PayoutRetained Earnings

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INTESA SANPAOLO

BIT:ISP (9/8/2025, 1:50:06 PM)

5.325

+0.03 (+0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-30 2025-07-30
Earnings (Next)10-31 2025-10-31
Inst Owners35.46%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap94.80B
Analysts80
Price Target6 (12.68%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.36%
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)10.37%
PT rev (3m)12.18%
EPS NQ rev (1m)3.08%
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.34%
EPS NY rev (3m)3.34%
Revenue NQ rev (1m)2.15%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.9%
Revenue NY rev (3m)1.14%
Valuation
Industry RankSector Rank
PE 11.33
Fwd PE 9.16
P/S 2.28
P/FCF N/A
P/OCF N/A
P/B 1.43
P/tB 1.67
EV/EBITDA N/A
EPS(TTM)0.47
EY8.83%
EPS(NY)0.58
Fwd EY10.92%
FCF(TTM)-0.31
FCFYN/A
OCF(TTM)-0.21
OCFYN/A
SpS2.34
BVpS3.74
TBVpS3.19
PEG (NY)0.71
PEG (5Y)0.79
Profitability
Industry RankSector 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 RankSector 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
WACC5.17%
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 Y15.97%
EPS Next 2Y11.22%
EPS Next 3Y9.67%
EPS Next 5Y1.77%
Revenue 1Y (TTM)-3.5%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.06%
Revenue Next Year1.69%
Revenue Next 2Y1.7%
Revenue Next 3Y1.99%
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