INTESA SANPAOLO (ISP.MI) Stock Fundamental Analysis
BIT:ISP - Euronext Milan - IT0000072618 - Common Stock - Currency: EUR
Taking everything into account, ISP scores 3 out of 10 in our fundamental rating. ISP was compared to 99 industry peers in the Banks industry. While ISP is still in line with the averages on profitability rating, there are concerns on its financial health. ISP has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
ISP had positive earnings in the past year.
Each year in the past 5 years ISP has been profitable.
The reported operating cash flow has been mixed in the past 5 years: ISP reported negative operating cash flow in multiple years.
1.2 Ratios
ISP's Return On Assets of 1.44% is amongst the best of the industry. ISP outperforms 87.10% of its industry peers.
ISP has a better Return On Equity (20.61%) than 92.47% 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
ISP has a Profit Margin of 27.57%. This is in the better half of the industry: ISP outperforms 72.04% of its industry peers.
In the last couple of years the Profit Margin of ISP has grown nicely.
The Operating Margin and Gross Margin are not available for ISP 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
2. Health
2.1 Basic Checks
ISP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ISP has more shares outstanding
Compared to 5 years ago, ISP has more shares outstanding
Compared to 1 year ago, ISP has an improved debt to assets ratio.
2.2 Solvency
ISP has a Debt/Equity ratio of 0.69. This is a neutral value indicating ISP is somewhat dependend on debt financing.
The Debt to Equity ratio of ISP (0.69) is better than 82.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.69 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.35%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ISP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.90%, which is quite good.
ISP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.39% yearly.
The Revenue has grown by 26.05% in the past year. This is a very strong growth!
ISP shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.15% yearly.
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
Based on estimates for the next years, ISP will show a decrease in Earnings Per Share. The EPS will decrease by -1.66% on average per year.
ISP is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by 0.00% yearly.
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
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.41, which indicates a very decent valuation of ISP.
Based on the Price/Earnings ratio, ISP is valued a bit more expensive than 63.44% of the companies in the same industry.
ISP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
With a Price/Forward Earnings ratio of 9.31, the valuation of ISP can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ISP indicates a somewhat cheap valuation: ISP is cheaper than 61.29% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.10. ISP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.41 | ||
| Fwd PE | 9.31 |
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%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.01%, ISP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.06, ISP pays a better dividend. On top of this ISP pays more dividend than 84.95% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, ISP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.01% |
5.2 History
The dividend of ISP has a limited annual growth rate of 3.16%.
Dividend Growth(5Y)3.16%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DP0%
EPS Next 2Y7.53%
EPS Next 3Y6.49%
BIT:ISP (3/7/2025, 7:00:00 PM)
4.8945
+0.03 (+0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners34.48%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap87.14B
Analysts80.71
Price Target4.88 (-0.3%)
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 Years0
Div Non Decr Years0
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)4.75%
PT rev (3m)5.35%
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 | 10.41 | ||
| Fwd PE | 9.31 | ||
| 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
EY9.6%
EPS(NY)0.53
Fwd EY10.75%
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
WACC5.35%
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