INTESA SANPAOLO(FRA:IES) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to IES. IES was compared to 99 industry peers in the Banks industry. While IES is still in line with the averages on profitability rating, there are concerns on its financial health. IES is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year IES was profitable.

IES had positive earnings in each of the past 5 years.

The reported operating cash flow has been mixed in the past 5 years: IES reported negative operating cash flow in multiple years.

1.2 Ratios

IES has a better Return On Assets (1.44%) than 88.89% of its industry peers.

The Return On Equity of IES (20.61%) is better than 93.94% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.44%
ROE	20.61%
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 27.57%, IES is in the better half of the industry, outperforming 72.73% of the companies in the same industry.

IES's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for IES so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	27.57%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y41.94%

PM growth 5Y20.69%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

IES does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, IES has more shares outstanding

Compared to 5 years ago, IES has more shares outstanding

Compared to 1 year ago, IES has an improved debt to assets ratio.

2.2 Solvency

IES has a Debt/Equity ratio of 0.69. This is a neutral value indicating IES is somewhat dependend on debt financing.

IES has a better Debt to Equity ratio (0.69) than 83.84% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.69
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.34%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

IES shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.90%, which is quite good.

The Earnings Per Share has been growing by 14.39% on average over the past years. This is quite good.

IES shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.05%.

Measured over the past years, IES shows a decrease in Revenue. The Revenue has been decreasing by -4.15% on average per year.

EPS 1Y (TTM)19.9%

EPS 3Y28.79%

EPS 5Y14.39%

EPS Q2Q%-2.44%

Revenue 1Y (TTM)26.05%

Revenue growth 3Y-10.2%

Revenue growth 5Y-4.15%

Sales Q2Q%4.63%

3.2 Future

The Earnings Per Share is expected to decrease by -1.66% on average over the next years.

Based on estimates for the next years, IES will show a decrease in Revenue. The Revenue will decrease by 0.00% on average per year.

EPS Next Y11.91%

EPS Next 2Y7.53%

EPS Next 3Y6.49%

EPS Next 5Y-1.66%

Revenue Next Year-0.23%

Revenue Next 2Y0.27%

Revenue Next 3Y0.8%

Revenue Next 5Y0%

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 accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.40, which indicates a very decent valuation of IES.

Based on the Price/Earnings ratio, IES is valued a bit more expensive than 62.63% of the companies in the same industry.

IES is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.

IES is valuated reasonably with a Price/Forward Earnings ratio of 9.30.

Compared to the rest of the industry, the Price/Forward Earnings ratio of IES indicates a somewhat cheap valuation: IES is cheaper than 60.61% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of IES to the average of the S&P500 Index (22.10), we can say IES is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.4
Fwd PE	9.3

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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)0.87

PEG (5Y)0.72

EPS Next 2Y7.53%

EPS Next 3Y6.49%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.01%, IES is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.06, IES pays a better dividend. On top of this IES pays more dividend than 85.86% of the companies listed in the same industry.

IES's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	7.01%

5.2 History

The dividend of IES has a limited annual growth rate of 3.16%.

Dividend Growth(5Y)3.16%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

DP0%

EPS Next 2Y7.53%

EPS Next 3Y6.49%

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INTESA SANPAOLO

FRA:IES (3/7/2025, 7:00:00 PM)

4.8895

+0.02 (+0.48%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-04 2025-02-04/dmh

Earnings (Next)05-06 2025-05-06

Inst Owners34.48%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap87.05B

Analysts80.71

Price Target4.88 (-0.19%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.01%

Yearly Dividend0.24

Dividend Growth(5Y)3.16%

DP0%

Div Incr Years2

Div Non Decr Years2

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-5.9%

Min EPS beat(2)-12.96%

Max EPS beat(2)1.15%

EPS beat(4)2

Avg EPS beat(4)-0.39%

Min EPS beat(4)-12.96%

Max EPS beat(4)11.44%

EPS beat(8)4

Avg EPS beat(8)0.65%

EPS beat(12)8

Avg EPS beat(12)11.11%

EPS beat(16)12

Avg EPS beat(16)28.59%

Revenue beat(2)2

Avg Revenue beat(2)1.88%

Min Revenue beat(2)1.54%

Max Revenue beat(2)2.22%

Revenue beat(4)3

Avg Revenue beat(4)1.49%

Min Revenue beat(4)-0.35%

Max Revenue beat(4)2.53%

Revenue beat(8)6

Avg Revenue beat(8)16.33%

Revenue beat(12)9

Avg Revenue beat(12)21.31%

Revenue beat(16)13

Avg Revenue beat(16)37.85%

PT rev (1m)4.77%

PT rev (3m)9.23%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0.46%

EPS NY rev (3m)3.98%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.46%

Revenue NY rev (3m)1.23%

Valuation

		Industry Rank	Sector Rank
PE	10.4
Fwd PE	9.3
P/S	1.79
P/FCF	N/A
P/OCF	N/A
P/B	1.34
P/tB	1.34
EV/EBITDA	N/A

EPS(TTM)0.47

EY9.61%

EPS(NY)0.53

Fwd EY10.76%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS2.74

BVpS3.66

TBVpS3.66

PEG (NY)0.87

PEG (5Y)0.72

Profitability

		Industry Rank	Sector Rank
ROA	1.44%
ROE	20.61%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.57%
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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y41.94%

PM growth 5Y20.69%

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.69
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

WACC5.34%

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)19.9%

EPS 3Y28.79%

EPS 5Y14.39%

EPS Q2Q%-2.44%

EPS Next Y11.91%

EPS Next 2Y7.53%

EPS Next 3Y6.49%

EPS Next 5Y-1.66%

Revenue 1Y (TTM)26.05%

Revenue growth 3Y-10.2%

Revenue growth 5Y-4.15%

Sales Q2Q%4.63%

Revenue Next Year-0.23%

Revenue Next 2Y0.27%

Revenue Next 3Y0.8%

Revenue Next 5Y0%

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 (IES.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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