INTESA SANPAOLO (ISP.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:ISP - IT0000072618 - Common Stock
5.918 EUR
+0.01 (+0.19%)
Overall ISP gets a fundamental rating of 3 out of 10. We evaluated ISP against 114 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 it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year ISP was profitable.
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
Looking at the Return On Assets, with a value of 0.97%, ISP is in the better half of the industry, outperforming 63.16% 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 70.18% 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
With a Profit Margin value of 21.93%, ISP perfoms like the industry average, outperforming 44.74% 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 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.
Compared to 1 year ago, ISP has less shares outstanding
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.
Looking at the Debt to Equity ratio, with a value of 2.51, ISP is in line with its industry, outperforming 42.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.51 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.62%
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 11.90%, which is quite good.
ISP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.39% yearly.
The Revenue has decreased by -8.03% in the past year.
Measured over the past years, ISP shows a small growth in Revenue. The Revenue has been growing by 6.18% on average per year.
EPS 1Y (TTM)11.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%0%
Revenue 1Y (TTM)-8.03%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%-2.34%
3.2 Future
ISP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.59% yearly.
ISP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.65% yearly.
EPS Next Y14.29%
EPS Next 2Y11.35%
EPS Next 3Y10.16%
EPS Next 5Y5.59%
Revenue Next Year1.41%
Revenue Next 2Y2.07%
Revenue Next 3Y2.36%
Revenue Next 5Y1.65%
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.
4. Valuation
4.1 Price/Earnings Ratio
ISP is valuated correctly with a Price/Earnings ratio of 12.59.
ISP's Price/Earnings ratio is a bit more expensive when compared to the industry. ISP is more expensive than 64.91% of the companies in the same industry.
When comparing the Price/Earnings ratio of ISP to the average of the S&P500 Index (26.92), we can say ISP is valued rather cheaply.
A Price/Forward Earnings ratio of 10.15 indicates a reasonable valuation of ISP.
Based on the Price/Forward Earnings ratio, ISP is valued a bit cheaper than 74.56% of the companies in the same industry.
ISP is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.59 | ||
| Fwd PE | 10.15 |
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)0.88
PEG (5Y)0.88
EPS Next 2Y11.35%
EPS Next 3Y10.16%
5. Dividend
5.1 Amount
ISP has a Yearly Dividend Yield of 5.76%, which is a nice return.
Compared to an average industry Dividend Yield of 3.98, ISP pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, ISP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.76% |
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 2Y11.35%
EPS Next 3Y10.16%
BIT:ISP (1/8/2026, 3:27:50 PM)
5.918
+0.01 (+0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.38%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap103.05B
Revenue(TTM)41.63B
Net Income(TTM)9.12B
Analysts78.57
Price Target6.29 (6.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.76% |
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)0.16%
PT rev (3m)4.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.11%
EPS NY rev (1m)0.02%
EPS NY rev (3m)-1.17%
Revenue NQ rev (1m)-0.48%
Revenue NQ rev (3m)-4.31%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.59 | ||
| Fwd PE | 10.15 | ||
| P/S | 2.48 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.55 | ||
| P/tB | 1.82 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.47
EY7.94%
EPS(NY)0.58
Fwd EY9.85%
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS2.39
BVpS3.82
TBVpS3.26
PEG (NY)0.88
PEG (5Y)0.88
Graham Number6.36
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
WACC5.62%
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)11.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%0%
EPS Next Y14.29%
EPS Next 2Y11.35%
EPS Next 3Y10.16%
EPS Next 5Y5.59%
Revenue 1Y (TTM)-8.03%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%-2.34%
Revenue Next Year1.41%
Revenue Next 2Y2.07%
Revenue Next 3Y2.36%
Revenue Next 5Y1.65%
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 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 12.59 and the Price/Book (PB) ratio is 1.55.
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 14.29% in the next year.