INTESA SANPAOLO (ISP.MI) Stock Fundamental Analysis

BIT:ISP • IT0000072618

5.697 EUR
-0.15 (-2.58%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

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 on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year ISP was profitable.
  • 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 in line with its industry peers.
  • The Return On Equity of ISP (14.29%) is better than 73.68% 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 (24.07%) which is in line with its industry peers.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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 about the same amout of shares outstanding than it did 1 year ago.
  • ISP has less shares outstanding than it did 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.
  • The Debt to Equity ratio of ISP (0.89) is better than 72.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.68%
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

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 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.
  • 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%28.36%
Revenue 1Y (TTM)-9.14%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.53%

3.2 Future

  • Based on estimates for the next years, ISP will show a small growth in Earnings Per Share. The EPS will grow by 5.52% on average per year.
  • ISP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.58% yearly.
EPS Next Y13.3%
EPS Next 2Y11.04%
EPS Next 3Y10.11%
EPS Next 5Y5.52%
Revenue Next Year1.41%
Revenue Next 2Y2.07%
Revenue Next 3Y2.36%
Revenue Next 5Y1.58%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 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

  • ISP is valuated correctly with a Price/Earnings ratio of 12.12.
  • ISP's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.97, ISP is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.83, the valuation of ISP can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, ISP is valued cheaper than 81.58% of the companies in the same industry.
  • ISP is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.96, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.12
Fwd PE 9.83
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)0.91
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

  • ISP has a Yearly Dividend Yield of 5.78%, which is a nice return.
  • ISP's Dividend Yield is a higher than the industry average which is at 4.12.
  • Compared to an average S&P500 Dividend Yield of 1.79, ISP pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.78%

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

  • 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

More info and screens

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INTESA SANPAOLO

BIT:ISP (2/13/2026, 7:00:00 PM)

5.697

-0.15 (-2.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)05-04
Inst Owners37.38%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap99.20B
Revenue(TTM)38.72B
Net Income(TTM)9.32B
Analysts78.57
Price Target6.61 (16.03%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.78%
Yearly Dividend0.32
Dividend Growth(5Y)10.12%
DP0%
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)0
Avg Revenue beat(2)-1.14%
Min Revenue beat(2)-1.95%
Max Revenue beat(2)-0.34%
Revenue beat(4)2
Avg Revenue beat(4)0.56%
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)7.14%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.56%
EPS NY rev (3m)-0.5%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)-1.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.57%
Valuation
Industry RankSector Rank
PE 12.12
Fwd PE 9.83
P/S 2.56
P/FCF N/A
P/OCF N/A
P/B 1.52
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)0.47
EY8.25%
EPS(NY)0.58
Fwd EY10.17%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.22
BVpS3.75
TBVpS3.75
PEG (NY)0.91
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
WACC5.68%
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%28.36%
EPS Next Y13.3%
EPS Next 2Y11.04%
EPS Next 3Y10.11%
EPS Next 5Y5.52%
Revenue 1Y (TTM)-9.14%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.53%
Revenue Next Year1.41%
Revenue Next 2Y2.07%
Revenue Next 3Y2.36%
Revenue Next 5Y1.58%
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 12.12 and the Price/Book (PB) ratio is 1.52.


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.