INTESA SANPAOLO(BIT:ISP) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, ISP scores 3 out of 10 in our fundamental rating. ISP was compared to 95 industry peers in the Banks industry. ISP has a bad profitability rating. Also its financial health evaluation is rather negative. ISP has a valuation in line with the averages, but on the other hand it scores bad on growth. ISP also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year ISP was profitable.

ISP had a negative operating cash flow 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 0.93% is fine compared to the rest of the industry. ISP outperforms 63.16% of its industry peers.

ISP has a better Return On Equity (13.30%) than 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

Looking at the Profit Margin, with a value of 20.34%, ISP is in line with its industry, outperforming 46.32% of the companies in the same industry.

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

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)	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

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

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

The number of shares outstanding for ISP has been increased compared to 5 years ago.

Compared to 1 year ago, ISP has a worse debt to assets ratio.

2.2 Solvency

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

ISP has a Debt to Equity ratio of 2.39. This is in the lower half of the industry: ISP underperforms 60.00% of its industry peers.

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

ROIC/WACCN/A

WACC5.25%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

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

The Revenue has been growing slightly by 6.17% on average over the past years.

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

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.

Based on estimates for the next years, ISP 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

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 decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.64 indicates a reasonable valuation of ISP.

Based on the Price/Earnings ratio, ISP is valued a bit more expensive than the industry average as 65.26% of the companies are valued more cheaply.

ISP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.64.

With a Price/Forward Earnings ratio of 8.59, the valuation of ISP can be described as very reasonable.

Based on the Price/Forward Earnings ratio, ISP is valued a bit cheaper than the industry average as 62.11% of the companies are valued more expensively.

When comparing the Price/Forward Earnings ratio of ISP to the average of the S&P500 Index (21.44), we can say ISP is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.64
Fwd PE	8.59

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)0.79

PEG (5Y)0.67

EPS Next 2Y8.8%

EPS Next 3Y7.9%

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5. Dividend

5.1 Amount

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

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

ISP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.52.

		Industry Rank	Sector Rank
Dividend Yield	7.82%

5.2 History

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

Dividend Growth(5Y)10.12%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

67.27% of the earnings are spent on dividend by ISP. This is not a sustainable payout ratio.

ISP'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

BIT:ISP (4/24/2025, 11:04:18 AM)

4.532

-0.01 (-0.23%)

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 Cap80.69B

Analysts80.69

Price Target5.04 (11.21%)

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 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)3.43%

PT rev (3m)8.92%

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	9.64
Fwd PE	8.59
P/S	1.89
P/FCF	N/A
P/OCF	N/A
P/B	1.24
P/tB	1.46
EV/EBITDA	N/A

EPS(TTM)0.47

EY10.37%

EPS(NY)0.53

Fwd EY11.64%

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

WACC5.25%

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 (ISP.MI) 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

More info and screens