INTESA SANPAOLO(FRA:IES) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, IES scores 3 out of 10 in our fundamental rating. IES was compared to 95 industry peers in the Banks industry. Both the profitability and financial health of IES have multiple concerns. IES has a valuation in line with the averages, but it does not seem to be growing. Finally IES also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

IES had positive earnings in the past year.

IES had a negative operating cash flow in the past year.

In the past 5 years IES has always been profitable.

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 (0.93%) than 63.16% of its industry peers.

IES's Return On Equity of 13.30% is fine compared to the rest of the industry. IES outperforms 75.79% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.93%
ROE	13.3%
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

With a Profit Margin value of 20.34%, IES perfoms like the industry average, outperforming 46.32% of the companies in the same industry.

In the last couple of years the Profit Margin of IES has grown nicely.

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)	20.34%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y19.71%

PM growth 5Y8.97%

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.

The number of shares outstanding for IES has been reduced compared to 1 year ago.

Compared to 5 years ago, IES has more shares outstanding

IES has a worse debt/assets ratio than last year.

2.2 Solvency

IES has a Debt/Equity ratio of 2.39. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 2.39, IES is not doing good in the industry: 60.00% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	2.39
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.28%

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

The Earnings Per Share has grown by an nice 19.90% over the past year.

Measured over the past years, IES shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.39% on average per year.

IES shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.25%.

IES shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.17% yearly.

EPS 1Y (TTM)19.9%

EPS 3Y28.79%

EPS 5Y14.39%

EPS Q2Q%-2.44%

Revenue 1Y (TTM)10.25%

Revenue growth 3Y6.47%

Revenue growth 5Y6.17%

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 -1.63% on average per year.

EPS Next Y12.23%

EPS Next 2Y8.8%

EPS Next 3Y7.9%

EPS Next 5Y-1.66%

Revenue Next Year-0.23%

Revenue Next 2Y0.27%

Revenue Next 3Y0.8%

Revenue Next 5Y-1.63%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.70, which indicates a very decent valuation of IES.

65.26% of the companies in the same industry are cheaper than IES, based on the Price/Earnings ratio.

IES's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.92.

Based on the Price/Forward Earnings ratio of 8.65, the valuation of IES can be described as reasonable.

IES's Price/Forward Earnings is on the same level as the industry average.

IES is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.65, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.7
Fwd PE	8.65

4.2 Price Multiples

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

4.3 Compensation for Growth

IES's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.79

PEG (5Y)0.67

EPS Next 2Y8.8%

EPS Next 3Y7.9%

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5. Dividend

5.1 Amount

IES has a Yearly Dividend Yield of 7.82%, which is a nice return.

IES's Dividend Yield is rather good when compared to the industry average which is at 5.47. IES pays more dividend than 91.58% of the companies in the same industry.

IES's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	7.82%

5.2 History

On average, the dividend of IES grows each year by 10.12%, which is quite nice.

Dividend Growth(5Y)10.12%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

IES pays out 67.27% of its income as dividend. This is not a sustainable payout ratio.

IES's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP67.27%

EPS Next 2Y8.8%

EPS Next 3Y7.9%

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INTESA SANPAOLO

FRA:IES (4/24/2025, 7:00:00 PM)

4.56

+0.01 (+0.33%)

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 Cap81.18B

Analysts80.69

Price Target5.05 (10.75%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.82%

Yearly Dividend0.32

Dividend Growth(5Y)10.12%

DP67.27%

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)3.43%

PT rev (3m)8.94%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0.28%

EPS NY rev (3m)4.27%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.45%

Valuation

		Industry Rank	Sector Rank
PE	9.7
Fwd PE	8.65
P/S	1.91
P/FCF	N/A
P/OCF	N/A
P/B	1.25
P/tB	1.47
EV/EBITDA	N/A

EPS(TTM)0.47

EY10.31%

EPS(NY)0.53

Fwd EY11.57%

FCF(TTM)-2.35

FCFYN/A

OCF(TTM)-2.26

OCFYN/A

SpS2.39

BVpS3.66

TBVpS3.11

PEG (NY)0.79

PEG (5Y)0.67

Profitability

		Industry Rank	Sector Rank
ROA	0.93%
ROE	13.3%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	20.34%
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 3Y19.71%

PM growth 5Y8.97%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	2.39
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	94.94%
Cap/Sales	3.92%
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-Score7

WACC5.28%

ROIC/WACCN/A

Cap/Depr(3y)101.52%

Cap/Depr(5y)96.76%

Cap/Sales(3y)4.28%

Cap/Sales(5y)4.31%

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 Y12.23%

EPS Next 2Y8.8%

EPS Next 3Y7.9%

EPS Next 5Y-1.66%

Revenue 1Y (TTM)10.25%

Revenue growth 3Y6.47%

Revenue growth 5Y6.17%

Sales Q2Q%4.63%

Revenue Next Year-0.23%

Revenue Next 2Y0.27%

Revenue Next 3Y0.8%

Revenue Next 5Y-1.63%

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-120.38%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-131.79%

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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