INTESA SANPAOLO (ISP.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:ISP - IT0000072618 - Common Stock
5.94 EUR
-0.06 (-1.07%)
Overall ISP gets a fundamental rating of 3 out of 10. We evaluated ISP against 111 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 it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year ISP was profitable.
- ISP had a negative operating cash flow 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.
1.2 Ratios
- The Return On Assets of ISP (0.97%) is better than 61.86% of its industry peers.
- ISP has a better Return On Equity (13.70%) than 72.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 13.7% | ||
| 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
1.3 Margins
- Looking at the Profit Margin, with a value of 21.93%, ISP is in line with its industry, outperforming 44.92% of the companies in the same 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.93% | ||
| 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
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.
- Compared to 5 years ago, ISP has more shares outstanding
- The debt/assets ratio for ISP is higher compared to a year ago.
2.2 Solvency
- ISP has a Debt/Equity ratio of 2.51. This is a high value indicating a heavy dependency on external financing.
- ISP has a worse Debt to Equity ratio (2.51) than 62.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.51 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 11.90% over the past year.
- 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 -8.03% in the last 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%0%
Revenue 1Y (TTM)-8.03%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%-2.34%
3.2 Future
- ISP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.52% yearly.
- ISP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.58% yearly.
EPS Next Y14.29%
EPS Next 2Y11.35%
EPS Next 3Y10.16%
EPS Next 5Y5.52%
Revenue Next Year1.41%
Revenue Next 2Y2.07%
Revenue Next 3Y2.36%
Revenue Next 5Y1.58%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 12.64, ISP is valued correctly.
- Compared to the rest of the industry, the Price/Earnings ratio of ISP indicates a slightly more expensive valuation: ISP is more expensive than 71.19% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.38. ISP is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 10.19, the valuation of ISP can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ISP indicates a somewhat cheap valuation: ISP is cheaper than 77.12% of the companies listed in the same industry.
- ISP is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.64 | ||
| Fwd PE | 10.19 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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)0.88
PEG (5Y)0.88
EPS Next 2Y11.35%
EPS Next 3Y10.16%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.68%, ISP is a good candidate for dividend investing.
- ISP's Dividend Yield is a higher than the industry average which is at 4.03.
- ISP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
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
- 67.05% of the earnings are spent on dividend by ISP. 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.
DP67.05%
EPS Next 2Y11.35%
EPS Next 3Y10.16%
BIT:ISP (1/16/2026, 7:00:00 PM)
5.94
-0.06 (-1.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-31 2025-10-31/dmh
Earnings (Next)02-02 2026-02-02/amc
Inst Owners37.38%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap103.44B
Revenue(TTM)41.63B
Net Income(TTM)9.12B
Analysts78.57
Price Target6.41 (7.91%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
Yearly Dividend0.32
Dividend Growth(5Y)10.12%
DP67.05%
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)2
Avg Revenue beat(2)2.27%
Min Revenue beat(2)2.22%
Max Revenue beat(2)2.32%
Revenue beat(4)4
Avg Revenue beat(4)2.08%
Min Revenue beat(4)1.54%
Max Revenue beat(4)2.32%
Revenue beat(8)6
Avg Revenue beat(8)1.32%
Revenue beat(12)9
Avg Revenue beat(12)11.56%
Revenue beat(16)13
Avg Revenue beat(16)27.46%
PT rev (1m)1.78%
PT rev (3m)6.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.86%
EPS NY rev (1m)0.02%
EPS NY rev (3m)-1.17%
Revenue NQ rev (1m)-0.48%
Revenue NQ rev (3m)-1.21%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.64 | ||
| Fwd PE | 10.19 | ||
| P/S | 2.49 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.55 | ||
| P/tB | 1.82 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.47
EY7.91%
EPS(NY)0.58
Fwd EY9.81%
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS2.39
BVpS3.82
TBVpS3.26
PEG (NY)0.88
PEG (5Y)0.88
Graham Number6.36
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 13.7% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.93% | ||
| 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
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 3Y19.68%
PM growth 5Y8.95%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.51 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 95.98% | ||
| Cap/Sales | 4.13% | ||
| 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-Score6
WACC5.59%
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)11.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%0%
EPS Next Y14.29%
EPS Next 2Y11.35%
EPS Next 3Y10.16%
EPS Next 5Y5.52%
Revenue 1Y (TTM)-8.03%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%-2.34%
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 1Y-108.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-105.48%
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 12.64 and the Price/Book (PB) ratio is 1.55.
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 14.29% in the next year.