ISP Stock Analysis: Intesa Sanpaolo | MI
Banks - Regional | MI, Italy | Market Cap: 104.520m EUR | 12M Return: 34.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 368M
EPS Trend: 86.6%
Qual. Beats: 1
Rev. Trend: 91.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Intesa Sanpaolo S.p.A. is an Italian diversified banking group headquartered in Turin, providing a broad range of financial products and services across Italy, Central and Eastern Europe, the Middle East, and North Africa. It operates through six business segments: Banca dei Territori (retail banking), IMI Corporate & Investment Banking, International Banks, Asset Management, Private Banking, and Insurance, reflecting a universal banking model that combines traditional lending and deposit-taking with investment banking, insurance, and wealth management activities. The group serves a wide customer base including individuals, small and medium-sized businesses, corporates, financial institutions, public administration, and high net worth clients, and also offers digital banking, leasing, factoring, and bancassurance products. As a large-cap European bank, Intesa Sanpaolos revenue mix is shaped by net interest income from lending activities, fee-based income from asset management and private banking, and premiums from its insurance arm, with Italian and European government bond holdings historically playing a significant role in bank balance sheets across the sector.
- ECB rate cuts pressure domestic net interest margins
- Central Eastern Europe lending growth drives International Banks segment
- Insurance and asset management fees diversify revenue mix
| Net Income: 9.47b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 5.16 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.01 > 3% & CFO 8.23b > Net Income 9.47b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (17.4b) vs 12m ago -0.26% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 3.04% > 50% (prev 3.20%; Δ -0.17% > 0%) |
| Interest Coverage Ratio: 2.36 > 6 (EBIT TTM 22.5b / Interest Expense TTM 9.55b) |
As of July 08, 2026, the stock is trading at EUR 6.23 with a total of 53,500,373 shares traded. Over the past week, the price has changed by +3.94%, over one month by +11.28%, over three months by +19.91% and over the past year by +34.86%.
Current recommended Stop Loss: 6.00 (which is 3.7% or 2.1 ATR below the current price).
Intesa Sanpaolo has no consensus analysts rating.
P/E Trailing = 11.1056
P/E Forward = 10.0705
P/S = 4.066
P/B = 1.5217
P/EG = 1.7662
Revenue TTM = 28.9b EUR
EBIT TTM = 22.5b EUR
EBITDA TTM = 24.3b EUR
Long Term Debt = 135b EUR (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 68.9b EUR (105b + (null Debt) - CCE 35.6b)
Interest Coverage Ratio = 2.36 (Ebit TTM 22.5b / Interest Expense TTM 9.55b)
EV/FCF = 10.47x (Enterprise Value 68.9b / FCF TTM 6.58b)
FCF Yield = 9.55% (FCF TTM 6.58b / Enterprise Value 68.9b)
FCF Margin = 22.79% (FCF TTM 6.58b / Revenue TTM 28.9b)
Net Margin = 32.77% (Net Income TTM 9.47b / Revenue TTM 28.9b)
Gross Margin = unknown ((Revenue TTM 28.9b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.07 (Enterprise Value 68.9b / Total Assets 968b)
Interest Expense / Debt = unknown (Interest Expense 9.55b / Debt none)
Taxrate = 26.93% (3.50b / 13.0b)
NOPAT = 16.5b (EBIT 22.5b * (1 - 26.93%))
Current Ratio = unknown (Total Current Assets 35.6b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 24.3b)
Debt / FCF = unknown (Net Debt none / FCF TTM 6.58b)
Total Stockholder Equity = 66.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.99% (Net Income 9.47b / Total Assets 968b)
RoE = 14.16% (Net Income TTM 9.47b / Total Stockholder Equity 66.8b)
RoCE = 11.19% (EBIT 22.5b / Capital Employed (Equity 66.8b + L.T.Debt 135b))
RoIC = unknown (NOPAT 16.5b, Invested Capital 0.0, EBIT 22.5b)
WACC = 7.86% (E(105b)/V(105b) * Re(7.86%) + (debt-free company))
Discount Rate = 7.86% (= 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: 91.76 | Revenue CAGR: 9.77% | SUE: 0.28 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.15 | Chg30d=-3.94% | Revisions=-40% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.15 | Chg30d=-2.39% | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=0.58 | Chg30d=+0.83% | Revisions=+64% | GrowthEPS=+9.5% | GrowthRev=+4.0%
EPS next Year (2027-12-31): EPS=0.63 | Chg30d=+1.39% | Revisions=+64% | GrowthEPS=+9.1% | GrowthRev=+3.3%
[Analyst] Revisions Ratio: +55% (up=21, down=5)