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INTESA SANPAOLO (IES.DE) Stock Fundamental Analysis

FRA:IES - Deutsche Boerse Ag - IT0000072618 - Common Stock - Currency: EUR

4.2505  +0.08 (+1.93%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to IES. IES was compared to 98 industry peers in the Banks industry. Both the profitability and financial health of IES have multiple concerns. IES has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year IES was profitable.
IES had a negative operating cash flow in the past year.
In the past 5 years IES has always been profitable.
In multiple years IES reported negative operating cash flow during the last 5 years.
IES.DE Yearly Net Income VS EBIT VS OCF VS FCFIES.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20B 40B 60B 80B 100B

1.2 Ratios

IES has a Return On Assets of 0.88%. This is comparable to the rest of the industry: IES outperforms 57.95% of its industry peers.
IES has a Return On Equity of 12.67%. This is in the better half of the industry: IES outperforms 64.77% of its industry peers.
Industry RankSector Rank
ROA 0.88%
ROE 12.67%
ROIC N/A
ROA(3y)0.55%
ROA(5y)0.5%
ROE(3y)8.6%
ROE(5y)7.65%
ROIC(3y)N/A
ROIC(5y)N/A
IES.DE Yearly ROA, ROE, ROICIES.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

The Profit Margin of IES (19.19%) is worse than 61.36% of its industry peers.
In the last couple of years the Profit Margin of IES has grown nicely.
IES does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 19.19%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y31.94%
PM growth 5Y7.65%
GM growth 3YN/A
GM growth 5YN/A
IES.DE Yearly Profit, Operating, Gross MarginsIES.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

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1

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 less shares outstanding
The number of shares outstanding for IES has been increased compared to 5 years ago.
IES has a worse debt/assets ratio than last year.
IES.DE Yearly Shares OutstandingIES.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B
IES.DE Yearly Total Debt VS Total AssetsIES.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200B 400B 600B 800B 1T

2.2 Solvency

A Debt/Equity ratio of 1.75 is on the high side and indicates that IES has dependencies on debt financing.
IES's Debt to Equity ratio of 1.75 is in line compared to the rest of the industry. IES outperforms 55.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.85%
IES.DE Yearly LT Debt VS Equity VS FCFIES.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IES.DE Yearly Current Assets VS Current LiabilitesIES.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10B 20B 30B 40B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 31.11% 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 8.56% on average per year.
The Revenue has grown by 59.86% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 5.69% on average over the past years.
EPS 1Y (TTM)31.11%
EPS 3Y25.15%
EPS 5Y8.56%
EPS Q2Q%30%
Revenue 1Y (TTM)59.86%
Revenue growth 3Y0.87%
Revenue growth 5Y5.69%
Sales Q2Q%6.83%

3.2 Future

The Earnings Per Share is expected to grow by 2.32% on average over the next years.
The Revenue is expected to grow by 1.44% on average over the next years.
EPS Next Y24.43%
EPS Next 2Y15.57%
EPS Next 3Y11.2%
EPS Next 5Y2.32%
Revenue Next Year7.21%
Revenue Next 2Y3.27%
Revenue Next 3Y2.37%
Revenue Next 5Y1.44%

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.
IES.DE Yearly Revenue VS EstimatesIES.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10B 20B 30B 40B
IES.DE Yearly EPS VS EstimatesIES.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.1 0.2 0.3 0.4 0.5

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.04 indicates a reasonable valuation of IES.
65.91% of the companies in the same industry are cheaper than IES, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of IES to the average of the S&P500 Index (28.47), we can say IES is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.12, the valuation of IES can be described as reasonable.
IES's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of IES to the average of the S&P500 Index (92.74), we can say IES is valued rather cheaply.
Industry RankSector Rank
PE 9.04
Fwd PE 8.12
IES.DE Price Earnings VS Forward Price EarningsIES.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
IES.DE Per share dataIES.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2 3

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)0.37
PEG (5Y)1.06
EPS Next 2Y15.57%
EPS Next 3Y11.2%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.63%, IES is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.05, IES pays a better dividend. On top of this IES pays more dividend than 93.18% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.28, IES pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.63%

5.2 History

The dividend of IES has a limited annual growth rate of 2.78%.
Dividend Growth(5Y)2.78%
Div Incr Years2
Div Non Decr Years2
IES.DE Yearly Dividends per shareIES.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 0.1 0.2 0.3

5.3 Sustainability

65.75% of the earnings are spent on dividend by IES. This is not a sustainable payout ratio.
The dividend of IES is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP65.75%
EPS Next 2Y15.57%
EPS Next 3Y11.2%
IES.DE Yearly Income VS Free CF VS DividendIES.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20B 40B 60B 80B 100B
IES.DE Dividend Payout.IES.DE Dividend Payout, showing the Payout Ratio.IES.DE Dividend Payout.PayoutRetained Earnings

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INTESA SANPAOLO

FRA:IES (2/4/2025, 7:00:00 PM)

4.2505

+0.08 (+1.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-31 2024-10-31/dmh
Earnings (Next)02-04 2025-02-04/amc
Inst Owners33.2%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap75.67B
Analysts82.22
Price Target4.66 (9.63%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.63%
Yearly Dividend0.23
Dividend Growth(5Y)2.78%
DP65.75%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.13%
Min EPS beat(2)-1.18%
Max EPS beat(2)11.44%
EPS beat(4)1
Avg EPS beat(4)0.93%
Min EPS beat(4)-3.4%
Max EPS beat(4)11.44%
EPS beat(8)5
Avg EPS beat(8)9.1%
EPS beat(12)9
Avg EPS beat(12)29.37%
EPS beat(16)12
Avg EPS beat(16)37.08%
Revenue beat(2)1
Avg Revenue beat(2)1.09%
Min Revenue beat(2)-0.35%
Max Revenue beat(2)2.53%
Revenue beat(4)2
Avg Revenue beat(4)0.57%
Min Revenue beat(4)-0.35%
Max Revenue beat(4)2.53%
Revenue beat(8)5
Avg Revenue beat(8)16.31%
Revenue beat(12)9
Avg Revenue beat(12)35.91%
Revenue beat(16)13
Avg Revenue beat(16)50.15%
PT rev (1m)0.53%
PT rev (3m)4.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.47%
EPS NY rev (3m)0.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.03%
Revenue NY rev (1m)1.42%
Revenue NY rev (3m)1.53%
Valuation
Industry RankSector Rank
PE 9.04
Fwd PE 8.12
P/S 1.76
P/FCF N/A
P/OCF N/A
P/B 1.16
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)0.47
EY11.06%
EPS(NY)0.52
Fwd EY12.32%
FCF(TTM)-1.1
FCFYN/A
OCF(TTM)-1.02
OCFYN/A
SpS2.42
BVpS3.67
TBVpS3.13
PEG (NY)0.37
PEG (5Y)1.06
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 12.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.19%
GM N/A
FCFM N/A
ROA(3y)0.55%
ROA(5y)0.5%
ROE(3y)8.6%
ROE(5y)7.65%
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 3Y31.94%
PM growth 5Y7.65%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 92.47%
Cap/Sales 3.62%
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-Score4
WACC4.85%
ROIC/WACCN/A
Cap/Depr(3y)109.49%
Cap/Depr(5y)101.89%
Cap/Sales(3y)4.73%
Cap/Sales(5y)4.44%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)31.11%
EPS 3Y25.15%
EPS 5Y8.56%
EPS Q2Q%30%
EPS Next Y24.43%
EPS Next 2Y15.57%
EPS Next 3Y11.2%
EPS Next 5Y2.32%
Revenue 1Y (TTM)59.86%
Revenue growth 3Y0.87%
Revenue growth 5Y5.69%
Sales Q2Q%6.83%
Revenue Next Year7.21%
Revenue Next 2Y3.27%
Revenue Next 3Y2.37%
Revenue Next 5Y1.44%
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-358.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-283.1%
OCF growth 3YN/A
OCF growth 5YN/A