INTESA SANPAOLO (ISP.MI) Fundamental Analysis & Valuation

BIT:ISP • IT0000072618

Current stock price

5.659 EUR
-0.02 (-0.33%)
Last:

This ISP.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. ISP.MI Profitability Analysis

1.1 Basic Checks

  • ISP had positive earnings in the past year.
  • ISP had a positive operating cash flow in the past year.
  • ISP had positive earnings in each of the past 5 years.
  • 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 better Return On Assets (0.97%) than 64.15% of its industry peers.
  • ISP's Return On Equity of 14.29% is fine compared to the rest of the industry. ISP outperforms 76.42% 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

  • Looking at the Profit Margin, with a value of 21.97%, ISP is in line with its industry, outperforming 48.11% of the companies in the same industry.
  • 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) 21.97%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.09%
PM growth 5Y19.65%
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 5 10 15 20 25

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2

2. ISP.MI Health Analysis

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 reduced 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 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 to FCF ratio of 15.09. This is a negative value and a sign of low solvency as ISP would need 15.09 years to pay back of all of its debts.
  • ISP has a Debt to FCF ratio of 15.09. This is in the better half of the industry: ISP outperforms 70.75% of its industry peers.
  • 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 61.32% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF 15.09
Altman-Z N/A
ROIC/WACCN/A
WACC5.61%
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 20B 40B 60B

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

4

3. ISP.MI Growth Analysis

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 -0.45% 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%12.5%
Revenue 1Y (TTM)-0.45%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.55%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.56% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 3.01% on average over the next years.
EPS Next Y12.93%
EPS Next 2Y11.34%
EPS Next 3Y10.35%
EPS Next 5Y9.56%
Revenue Next Year0.94%
Revenue Next 2Y2.09%
Revenue Next 3Y2.49%
Revenue Next 5Y3.01%

3.3 Evolution

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

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.04 indicates a correct valuation of ISP.
  • ISP's Price/Earnings ratio is a bit more expensive when compared to the industry. ISP is more expensive than 66.98% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of ISP to the average of the S&P500 Index (27.42), we can say ISP is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.71, the valuation of ISP can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ISP indicates a somewhat cheap valuation: ISP is cheaper than 79.25% of the companies listed in the same industry.
  • ISP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.24.
Industry RankSector Rank
PE 12.04
Fwd PE 9.71
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

  • ISP's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.96
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

  • ISP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.93
PEG (5Y)0.84
EPS Next 2Y11.34%
EPS Next 3Y10.35%

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

7

5. ISP.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.55%, ISP is a good candidate for dividend investing.
  • ISP's Dividend Yield is rather good when compared to the industry average which is at 4.47. ISP pays more dividend than 86.79% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, ISP pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.55%

5.2 History

  • On average, the dividend of ISP grows each year by 177.14%, which is quite nice.
Dividend Growth(5Y)177.14%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • ISP pays out 67.85% 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.
DP67.85%
EPS Next 2Y11.34%
EPS Next 3Y10.35%
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
ISP.MI Dividend Payout.ISP.MI Dividend Payout, showing the Payout Ratio.ISP.MI Dividend Payout.PayoutRetained Earnings

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ISP.MI Fundamentals: All Metrics, Ratios and Statistics

INTESA SANPAOLO

BIT:ISP (4/24/2026, 7:00:00 PM)

5.659

-0.02 (-0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)05-05
Inst Owners37.19%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap98.54B
Revenue(TTM)42.42B
Net Income(TTM)9.32B
Analysts79.31
Price Target6.79 (19.99%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.55%
Yearly Dividend0.36
Dividend Growth(5Y)177.14%
DP67.85%
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)-1.06%
PT rev (3m)5.86%
EPS NQ rev (1m)-1.94%
EPS NQ rev (3m)8.57%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)-0.33%
Revenue NQ rev (3m)-0.3%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)0.04%
Valuation
Industry RankSector Rank
PE 12.04
Fwd PE 9.71
P/S 2.32
P/FCF 14.96
P/OCF 11.97
P/B 1.51
P/tB 1.78
EV/EBITDA N/A
EPS(TTM)0.47
EY8.31%
EPS(NY)0.58
Fwd EY10.3%
FCF(TTM)0.38
FCFY6.68%
OCF(TTM)0.47
OCFY8.36%
SpS2.44
BVpS3.75
TBVpS3.17
PEG (NY)0.93
PEG (5Y)0.84
Graham Number6.29374 (11.22%)
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) 21.97%
GM N/A
FCFM 15.52%
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 3Y20.09%
PM growth 5Y19.65%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF 15.09
Debt/EBITDA N/A
Cap/Depr 92.18%
Cap/Sales 3.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 70.65%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.61%
ROIC/WACCN/A
Cap/Depr(3y)95.67%
Cap/Depr(5y)103.12%
Cap/Sales(3y)3.82%
Cap/Sales(5y)4.3%
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 Y12.93%
EPS Next 2Y11.34%
EPS Next 3Y10.35%
EPS Next 5Y9.56%
Revenue 1Y (TTM)-0.45%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.55%
Revenue Next Year0.94%
Revenue Next 2Y2.09%
Revenue Next 3Y2.49%
Revenue Next 5Y3.01%
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 1Y115.73%
FCF growth 3Y-59.68%
FCF growth 5YN/A
OCF growth 1Y120.49%
OCF growth 3Y-56.82%
OCF growth 5YN/A

INTESA SANPAOLO / ISP.MI Fundamental Analysis 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.


How profitable is INTESA SANPAOLO (ISP.MI) stock?

INTESA SANPAOLO (ISP.MI) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for ISP stock?

The Price/Earnings (PE) ratio for INTESA SANPAOLO (ISP.MI) is 12.04 and the Price/Book (PB) ratio is 1.51.


Can you provide the dividend sustainability for ISP stock?

The dividend rating of INTESA SANPAOLO (ISP.MI) is 7 / 10 and the dividend payout ratio is 67.85%.