(ISP) Intesa Sanpaolo SpA - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: MI (Italy) | Market Cap: 97.462m EUR | Total Return: 22% in 12m
Avg Turnover: 270M
EPS Trend: 86.6%
Qual. Beats: 1
Rev. Trend: 97.4%
Qual. Beats: 0
Warnings
Choppy Below Avwap Earnings
Tailwinds
No distinct edge detected
Intesa Sanpaolo S.p.A. is a diversified financial institution headquartered in Turin, Italy, serving a broad client base ranging from individual retail consumers to large corporate and public entities. The bank operates through six specialized divisions, covering retail banking, corporate and investment banking, private banking, asset management, and insurance services. Its geographic footprint extends beyond its domestic Italian market into Central and Eastern Europe, the Middle East, and North Africa.
The company utilizes an integrated bancassurance business model, which allows it to generate diversified revenue streams by cross-selling insurance and pension products through its extensive banking network. For a deeper look into these financial metrics, consider reviewing the latest data on ValueRay. As a major player in the Eurozone banking sector, Intesa Sanpaolo is classified as a Global Systemically Important Bank (G-SIB), reflecting its significant role in maintaining regional financial stability.
- Net interest income sensitive to European Central Bank monetary policy shifts
- Wealth management and insurance fees drive non-interest revenue diversification
- Asset quality and non-performing loan ratios impact capital buffer requirements
- Operational efficiency gains from digital banking transformation and cost control
- Italian sovereign debt exposure influences bank valuation and risk profile
| Net Income: 9.32b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 5.17 > 1.0 |
| NWC/Revenue: 143.1% < 20% (prev -1.23k%; Δ 1.37k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 8.23b > Net Income 9.32b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: 25.71 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.4b) vs 12m ago -2.20% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 3.34% > 50% (prev 2.85%; Δ 0.49% > 0%) |
| Interest Coverage Ratio: 2.21 > 6 (EBITDA TTM 24.9b / Interest Expense TTM 10.4b) |
| A: 0.05 (Total Current Assets 47.1b - Total Current Liabilities 1.83b) / Total Assets 960b |
| B: 0.03 (Retained Earnings 24.6b / Total Assets 960b) |
| C: 0.02 (EBIT TTM 23.1b / Avg Total Assets 947b) |
| D: 0.04 (Book Value of Equity 35.0b / Total Liabilities 895b) |
| Altman-Z'' = 0.60 = B |
As of May 24, 2026, the stock is trading at EUR 5.60 with a total of 46,986,853 shares traded.
Over the past week, the price has changed by +1.32%,
over one month by +1.46%,
over three months by -0.90% and
over the past year by +22.04%.
Intesa Sanpaolo SpA has no consensus analysts rating.
P/E Trailing = 10.3556
P/E Forward = 10.8696
P/S = 3.7914
P/B = 1.4732
P/EG = 27.8953
Revenue TTM = 31.6b EUR
EBIT TTM = 23.1b EUR
EBITDA TTM = 24.9b EUR
Long Term Debt = 99.3b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 50.3b EUR (97.5b + (null Debt) - CCE 47.1b)
Interest Coverage Ratio = 2.21 (Ebit TTM 23.1b / Interest Expense TTM 10.4b)
EV/FCF = 7.64x (Enterprise Value 50.3b / FCF TTM 6.58b)
FCF Yield = 13.08% (FCF TTM 6.58b / Enterprise Value 50.3b)
FCF Margin = 20.81% (FCF TTM 6.58b / Revenue TTM 31.6b)
Net Margin = 29.45% (Net Income TTM 9.32b / Revenue TTM 31.6b)
Gross Margin = unknown ((Revenue TTM 31.6b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.05 (Enterprise Value 50.3b / Total Assets 960b)
Interest Expense / Debt = unknown (Interest Expense 10.4b / Debt none)
Taxrate = 26.13% (3.30b / 12.6b)
NOPAT = 17.1b (EBIT 23.1b * (1 - 26.13%))
Current Ratio = 25.71 (Total Current Assets 47.1b / Total Current Liabilities 1.83b)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 24.9b)
Debt / FCF = unknown (Net Debt none / FCF TTM 6.58b)
Total Stockholder Equity = 66.3b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.98% (Net Income 9.32b / Total Assets 960b)
RoE = 14.05% (Net Income TTM 9.32b / Total Stockholder Equity 66.3b)
RoCE = 13.94% (EBIT 23.1b / Capital Employed (Equity 66.3b + L.T.Debt 99.3b))
RoIC = 2.54% (EBIT 23.1b / (Assets 960b - Curr.Liab 1.83b - Cash 47.1b))
WACC = 7.69% (E(97.5b)/V(97.5b) * Re(7.69%) + (debt-free company))
Discount Rate = 7.69% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -78.21 | Cagr: -4.64%
[DCF] Terminal Value 75.44% ; FCFF base≈6.58b ; Y1≈6.61b ; Y5≈7.00b
[DCF] Fair Price = 6.25 (EV 109b - Net Debt 0.0 = Equity 109b / Shares 17.4b; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 86.63 | EPS CAGR: 15.12% | SUE: 0.94 | # QB: 1
Revenue Correlation: 97.44 | Revenue CAGR: 12.07% | SUE: 0.82 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.15 | Chg30d=-1.62% | Revisions=+0% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.15 | Chg30d=-0.97% | Revisions=-33% | Analysts=3
EPS current Year (2026-12-31): EPS=0.58 | Chg30d=+1.55% | Revisions=-20% | GrowthEPS=+8.5% | GrowthRev=+3.8%
EPS next Year (2027-12-31): EPS=0.62 | Chg30d=+1.33% | Revisions=+20% | GrowthEPS=+8.5% | GrowthRev=+2.5%
[Analyst] Revisions Ratio: -33%