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INTESA SANPAOLO (ISP.MI) Stock Fundamental Analysis

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

4.931  +0.01 (+0.11%)

Fundamental Rating

3

ISP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 91 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 on the other hand it scores bad on growth. Finally ISP also has an excellent dividend rating.


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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B 100B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.93%, ISP is in the better half of the industry, outperforming 61.54% of the companies in the same industry.
ISP has a better Return On Equity (13.30%) than 71.43% 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 has a Profit Margin (20.34%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of ISP has grown nicely.
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) 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.
Compared to 1 year ago, ISP has a worse debt to assets ratio.
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 2.39 is on the high side and indicates that ISP has dependencies on debt financing.
ISP's Debt to Equity ratio of 2.39 is on the low side compared to the rest of the industry. ISP is outperformed by 61.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.16%
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 16.11%, 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.
ISP shows a small growth in Revenue. In the last year, the Revenue has grown by 6.65%.
The Revenue has been growing slightly by 6.18% on average over the past years.
EPS 1Y (TTM)16.11%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%15.38%
Revenue 1Y (TTM)6.65%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.37%

3.2 Future

ISP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.44% yearly.
ISP is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.46% yearly.
EPS Next Y12.23%
EPS Next 2Y8.8%
EPS Next 3Y7.9%
EPS Next 5Y1.44%
Revenue Next Year0.55%
Revenue Next 2Y1.1%
Revenue Next 3Y1.54%
Revenue Next 5Y-0.46%

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 0.1 0.2 0.3 0.4 0.5

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.06 indicates a reasonable valuation of ISP.
The rest of the industry has a similar Price/Earnings ratio as ISP.
Compared to an average S&P500 Price/Earnings ratio of 27.50, ISP is valued rather cheaply.
The Price/Forward Earnings ratio is 8.86, which indicates a very decent valuation of ISP.
65.93% of the companies in the same industry are more expensive than ISP, based on the Price/Forward Earnings ratio.
ISP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.44.
Industry RankSector Rank
PE 10.06
Fwd PE 8.86
ISP.MI Price Earnings VS Forward Price EarningsISP.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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)0.82
PEG (5Y)0.7
EPS Next 2Y8.8%
EPS Next 3Y7.9%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.92%, ISP is a good candidate for dividend investing.
ISP's Dividend Yield is rather good when compared to the industry average which is at 5.14. ISP pays more dividend than 84.62% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, ISP pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.92%

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

ISP pays out 67.27% of its income as dividend. 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.
DP67.27%
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 (7/18/2025, 7:00:00 PM)

4.931

+0.01 (+0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-06 2025-05-06/dmh
Earnings (Next)07-30 2025-07-30
Inst Owners35.46%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap87.79B
Analysts79.26
Price Target5.44 (10.32%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.92%
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)0.17%
PT rev (3m)6.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.57%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.78%
Valuation
Industry RankSector Rank
PE 10.06
Fwd PE 8.86
P/S 2.06
P/FCF N/A
P/OCF N/A
P/B 1.35
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)0.49
EY9.94%
EPS(NY)0.56
Fwd EY11.28%
FCF(TTM)-2.35
FCFYN/A
OCF(TTM)-2.26
OCFYN/A
SpS2.39
BVpS3.66
TBVpS3.11
PEG (NY)0.82
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
WACC5.16%
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)16.11%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%15.38%
EPS Next Y12.23%
EPS Next 2Y8.8%
EPS Next 3Y7.9%
EPS Next 5Y1.44%
Revenue 1Y (TTM)6.65%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.37%
Revenue Next Year0.55%
Revenue Next 2Y1.1%
Revenue Next 3Y1.54%
Revenue Next 5Y-0.46%
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