INTESA SANPAOLO (ISP.MI) Fundamental Analysis & Valuation

BIT:ISP • IT0000072618

Current stock price

5.061 EUR
-0.01 (-0.26%)
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.
  • 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.
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

  • The Return On Assets of ISP (0.97%) is better than 65.45% of its industry peers.
  • With a decent Return On Equity value of 14.29%, ISP is doing good in the industry, outperforming 79.09% of the companies in the same industry.
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 comparable to the rest of the 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) 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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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.
  • Compared to 1 year ago, ISP has about the same amount of shares outstanding.
  • The number of shares outstanding for ISP has been reduced compared to 5 years ago.
  • Compared to 1 year ago, ISP has an improved debt to assets ratio.
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.
  • ISP has a Debt to Equity ratio of 0.89. This is in the better half of the industry: ISP outperforms 69.09% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.45%
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

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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

  • 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.
  • ISP shows a decrease in Revenue. In the last year, the revenue decreased by -9.14%.
  • The Revenue has been growing slightly by 6.18% on average over the past years.
EPS 1Y (TTM)11.9%
EPS 3Y28.79%
EPS 5Y14.39%
EPS Q2Q%12.5%
Revenue 1Y (TTM)-9.14%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.55%

3.2 Future

  • ISP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.56% yearly.
  • 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 3Y10.32%
EPS Next 5Y9.56%
Revenue Next Year0.94%
Revenue Next 2Y2.14%
Revenue Next 3Y2.48%
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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5

4. ISP.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.77, the valuation of ISP can be described as very reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as ISP.
  • Compared to an average S&P500 Price/Earnings ratio of 24.89, ISP is valued rather cheaply.
  • ISP is valuated reasonably with a Price/Forward Earnings ratio of 8.69.
  • Based on the Price/Forward Earnings ratio, ISP is valued cheaply inside the industry as 83.64% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of ISP to the average of the S&P500 Index (22.19), we can say ISP is valued rather cheaply.
Industry RankSector Rank
PE 10.77
Fwd PE 8.69
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

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)0.83
PEG (5Y)0.75
EPS Next 2Y11.34%
EPS Next 3Y10.32%

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7

5. ISP.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.41%, ISP is a good candidate for dividend investing.
  • ISP's Dividend Yield is rather good when compared to the industry average which is at 4.78. ISP pays more dividend than 88.18% of the companies in the same industry.
  • ISP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 7.41%

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's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y11.34%
EPS Next 3Y10.32%
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

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ISP.MI Fundamentals: All Metrics, Ratios and Statistics

INTESA SANPAOLO

BIT:ISP (3/26/2026, 1:42:44 PM)

5.061

-0.01 (-0.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)05-05
Inst Owners36.89%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap88.13B
Revenue(TTM)38.72B
Net Income(TTM)9.32B
Analysts78.62
Price Target6.86 (35.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.41%
Yearly Dividend0.32
Dividend Growth(5Y)10.12%
DP0%
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)0%
PT rev (3m)9.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.71%
EPS NY rev (1m)0.53%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.14%
Valuation
Industry RankSector Rank
PE 10.77
Fwd PE 8.69
P/S 2.28
P/FCF N/A
P/OCF N/A
P/B 1.35
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)0.47
EY9.29%
EPS(NY)0.58
Fwd EY11.51%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.22
BVpS3.75
TBVpS3.75
PEG (NY)0.83
PEG (5Y)0.75
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
WACC5.45%
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%12.5%
EPS Next Y12.93%
EPS Next 2Y11.34%
EPS Next 3Y10.32%
EPS Next 5Y9.56%
Revenue 1Y (TTM)-9.14%
Revenue growth 3Y6.5%
Revenue growth 5Y6.18%
Sales Q2Q%2.55%
Revenue Next Year0.94%
Revenue Next 2Y2.14%
Revenue Next 3Y2.48%
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 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 Fundamental Analysis FAQ

What is the fundamental rating for ISP stock?

ChartMill assigns a fundamental rating of 4 / 10 to ISP.MI.


What is the valuation status for ISP stock?

ChartMill assigns a valuation rating of 5 / 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 10.77 and the Price/Book (PB) ratio is 1.35.


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 12.93% in the next year.