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INTESA SANPAOLO (ISP.MI) Stock Fundamental Analysis

BIT:ISP - Euronext Milan - IT0000072618 - Common Stock - Currency: EUR

4.766  -0.04 (-0.73%)

Fundamental Rating

3

Overall ISP gets a fundamental rating of 3 out of 10. We evaluated ISP against 95 industry peers in the Banks industry. ISP has a bad profitability rating. Also its financial health evaluation is rather negative. ISP is valued correctly, but it does not seem to be growing. ISP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year ISP was profitable.
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

With a decent Return On Assets value of 0.93%, ISP is doing good in the industry, outperforming 62.11% of the companies in the same industry.
ISP has a better Return On Equity (13.30%) than 71.58% of its industry peers.
Industry RankSector Rank
ROA 0.93%
ROE 13.3%
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

ISP's Profit Margin of 20.34% is in line compared to the rest of the industry. ISP outperforms 46.32% of its industry peers.
In the last couple of years the Profit Margin of ISP has grown nicely.
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) 20.34%
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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0

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 has been reduced compared to 1 year ago.
The number of shares outstanding for ISP has been increased compared to 5 years ago.
ISP has a worse debt/assets ratio than last year.
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

ISP has a Debt/Equity ratio of 2.39. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.39, ISP is doing worse than 62.11% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.27%
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.
The Earnings Per Share has been growing by 14.39% on average over the past years. This is quite good.
ISP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.25%.
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)19.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%-2.44%
Revenue 1Y (TTM)10.25%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%4.63%

3.2 Future

The Earnings Per Share is expected to decrease by -1.66% on average over the next years.
ISP is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.63% yearly.
EPS Next Y12.23%
EPS Next 2Y8.8%
EPS Next 3Y7.9%
EPS Next 5Y-1.66%
Revenue Next Year0.3%
Revenue Next 2Y0.95%
Revenue Next 3Y1.39%
Revenue Next 5Y-1.63%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 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 0.1 0.2 0.3 0.4 0.5

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.14, the valuation of ISP can be described as very reasonable.
63.16% of the companies in the same industry are cheaper than ISP, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ISP to the average of the S&P500 Index (28.10), we can say ISP is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.04, the valuation of ISP can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as ISP.
ISP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.74.
Industry RankSector Rank
PE 10.14
Fwd PE 9.04
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 2 -2

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)0.7
EPS Next 2Y8.8%
EPS Next 3Y7.9%

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7

5. Dividend

5.1 Amount

ISP has a Yearly Dividend Yield of 7.28%, which is a nice return.
Compared to an average industry Dividend Yield of 5.30, ISP pays a better dividend. On top of this ISP pays more dividend than 85.26% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.43, ISP pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.28%

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

67.27% of the earnings are spent on dividend by ISP. This is not a sustainable payout ratio.
The Dividend Rate of ISP has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP67.27%
EPS Next 2Y8.8%
EPS Next 3Y7.9%
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 (5/6/2025, 4:17:19 PM)

4.766

-0.04 (-0.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04 2025-02-04/dmh
Earnings (Next)05-06 2025-05-06
Inst Owners34.48%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap84.85B
Analysts82.86
Price Target5.12 (7.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.28%
Yearly Dividend0.32
Dividend Growth(5Y)10.12%
DP67.27%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5.9%
Min EPS beat(2)-12.96%
Max EPS beat(2)1.15%
EPS beat(4)2
Avg EPS beat(4)-0.39%
Min EPS beat(4)-12.96%
Max EPS beat(4)11.44%
EPS beat(8)4
Avg EPS beat(8)0.65%
EPS beat(12)8
Avg EPS beat(12)11.11%
EPS beat(16)12
Avg EPS beat(16)28.59%
Revenue beat(2)2
Avg Revenue beat(2)1.88%
Min Revenue beat(2)1.54%
Max Revenue beat(2)2.22%
Revenue beat(4)3
Avg Revenue beat(4)1.49%
Min Revenue beat(4)-0.35%
Max Revenue beat(4)2.53%
Revenue beat(8)6
Avg Revenue beat(8)16.33%
Revenue beat(12)9
Avg Revenue beat(12)21.31%
Revenue beat(16)13
Avg Revenue beat(16)37.85%
PT rev (1m)3.06%
PT rev (3m)9.93%
EPS NQ rev (1m)-3.57%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.02%
EPS NY rev (3m)0.74%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.54%
Revenue NY rev (3m)1.01%
Valuation
Industry RankSector Rank
PE 10.14
Fwd PE 9.04
P/S 1.99
P/FCF N/A
P/OCF N/A
P/B 1.3
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)0.47
EY9.86%
EPS(NY)0.53
Fwd EY11.07%
FCF(TTM)-2.35
FCFYN/A
OCF(TTM)-2.26
OCFYN/A
SpS2.39
BVpS3.66
TBVpS3.11
PEG (NY)0.83
PEG (5Y)0.7
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 13.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.34%
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-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 94.94%
Cap/Sales 3.92%
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-Score7
WACC5.27%
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%-2.44%
EPS Next Y12.23%
EPS Next 2Y8.8%
EPS Next 3Y7.9%
EPS Next 5Y-1.66%
Revenue 1Y (TTM)10.25%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%4.63%
Revenue Next Year0.3%
Revenue Next 2Y0.95%
Revenue Next 3Y1.39%
Revenue Next 5Y-1.63%
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-120.38%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-131.79%
OCF growth 3YN/A
OCF growth 5YN/A