INTESA SANPAOLO (ISP.MI) Stock Fundamental Analysis

BIT:ISP • IT0000072618

5.652 EUR
-0.04 (-0.79%)
Last: Feb 16, 2026, 05:35 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Taking everything into account, ISP scores 3 out of 10 in our fundamental rating. ISP was compared to 109 industry peers in the Banks industry. ISP has a bad profitability rating. Also its financial health evaluation is rather negative. ISP is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • ISP had positive earnings in the past year.
  • Each year in the past 5 years ISP has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: ISP reported negative operating cash flow in multiple 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's Return On Assets of 0.97% is in line compared to the rest of the industry. ISP outperforms 57.80% of its industry peers.
  • ISP has a better Return On Equity (14.29%) than 75.23% 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

  • ISP has a Profit Margin of 24.07%. This is comparable to the rest of the industry: ISP outperforms 48.62% 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 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. 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 remains at a similar level compared to 1 year ago.
  • 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's Debt to Equity ratio of 0.89 is fine compared to the rest of the industry. ISP outperforms 70.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.56%
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

More info and screens

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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 11.90% over the past year.
  • The Earnings Per Share has been growing by 14.39% on average over the past years. This is quite good.
  • The Revenue has decreased by -9.14% 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%12.5%
Revenue 1Y (TTM)-9.14%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.55%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.16% on average over the next years. This is quite good.
  • ISP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.42% yearly.
EPS Next Y13.3%
EPS Next 2Y11.04%
EPS Next 3Y10.11%
EPS Next 5Y9.16%
Revenue Next Year1.41%
Revenue Next 2Y2.07%
Revenue Next 3Y2.36%
Revenue Next 5Y2.42%

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.
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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.03, the valuation of ISP can be described as correct.
  • ISP's Price/Earnings ratio is a bit more expensive when compared to the industry. ISP is more expensive than 69.72% of the companies in the same industry.
  • ISP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.68.
  • Based on the Price/Forward Earnings ratio of 9.75, the valuation of ISP can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, ISP is valued a bit cheaper than 78.90% of the companies in the same industry.
  • ISP is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.03
Fwd PE 9.75
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.9
PEG (5Y)0.84
EPS Next 2Y11.04%
EPS Next 3Y10.11%

More info and screens

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.83%, ISP is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.35, 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 1.84.
Industry RankSector Rank
Dividend Yield 5.83%

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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INTESA SANPAOLO

BIT:ISP (2/16/2026, 5:35:15 PM)

5.652

-0.04 (-0.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)05-05
Inst Owners37.38%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap98.42B
Revenue(TTM)38.72B
Net Income(TTM)9.32B
Analysts77.24
Price Target6.61 (16.95%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.83%
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)5.12%
PT rev (3m)6.89%
EPS NQ rev (1m)10.71%
EPS NQ rev (3m)3.33%
EPS NY rev (1m)-0.56%
EPS NY rev (3m)-0.5%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)-1.42%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.57%
Valuation
Industry RankSector Rank
PE 12.03
Fwd PE 9.75
P/S 2.54
P/FCF N/A
P/OCF N/A
P/B 1.51
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)0.47
EY8.32%
EPS(NY)0.58
Fwd EY10.25%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.22
BVpS3.75
TBVpS3.75
PEG (NY)0.9
PEG (5Y)0.84
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
WACC5.56%
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 Year1.41%
Revenue Next 2Y2.07%
Revenue Next 3Y2.36%
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 12.03 and the Price/Book (PB) ratio is 1.51.


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.