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Intesa Sanpaolo (ISNPY)
OTHER OTC:ISNPY
Earnings Data
Report Date
Jul 30, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.95Last Year’s EPS
0.85Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:May 06, 2025
|% Change Since: 0.49%
|Next Earnings Date:Jul 30, 2025
Earnings Call Sentiment|Positive
The earnings call presented a strong performance with record-breaking net income and robust asset quality, supported by strategic tech investments and capital distributions. However, challenges in net interest income and loan growth due to market volatility and economic conditions were noted. The sentiment leans positive with a cautious outlook on certain financial metrics.Company Guidance
In the first quarter of 2025, Intesa Sanpaolo delivered a record net income of over €2.6 billion, resulting in an annualized return on equity of 20%. The bank confirmed its full-year net income guidance for 2025 to be well above €9 billion. Dividend distributions are expected to be at least €8.2 billion. The bank's common equity Tier 1 ratio improved by 45 basis points to 13.3%, reflecting robust capital generation capabilities. Intesa Sanpaolo's digital bank, Isybank, now serves 1 million clients. Operating costs decreased by 2.7%, excluding impacts from the national labor contract renewal and tech investment depreciation. Asset quality remained strong, with the gross NPL stock decreasing by €200 million year-on-year, and net NPL inflows at historical lows. The cost-income ratio was the best ever at 38%, and the bank achieved nearly 3,000 headcount reductions in Q1. Overall, the bank's profitability and capital position are robust, even amid market volatility.Record-Breaking Net Income
Intesa Sanpaolo delivered its best-ever net income exceeding €2.6 billion for Q1 2025, resulting in a 20% annualized return on equity.
Dividend and Capital Distribution
The bank plans to return at least €8.2 billion to shareholders through dividends and buybacks in 2025, with potential additional distributions at year-end.
Strong Asset Quality
NPL ratios are at historical lows, with gross NPL stock decreasing by €200 million year-on-year and Stage 2 loans decreasing by 8%.
Tech Investments and Digital Growth
Tech investments have facilitated efficiency gains and workforce changes, with Isybank reaching 1 million clients.
Commissions and Insurance Income Growth
Commissions grew by 7% year-on-year, with Wealth Management & Protection up 11% and insurance income driven by a strong P&C performance.
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ISNPY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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ISNPY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| May 06, 2025 | $32.66 | $32.42 | -0.73% |
| Feb 04, 2025 | $25.82 | $26.48 | +2.56% |
| Oct 31, 2024 | $24.83 | $24.76 | -0.28% |
| Jul 30, 2024 | $22.98 | $23.77 | +3.44% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Intesa Sanpaolo (ISNPY) report earnings?
Intesa Sanpaolo (ISNPY) is schdueled to report earning on Jul 30, 2025, TBA Not Confirmed.
What is Intesa Sanpaolo (ISNPY) earnings time?
Intesa Sanpaolo (ISNPY) earnings time is at Jul 30, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is ISNPY EPS forecast?
ISNPY EPS forecast for the fiscal quarter 2025 (Q2) is 0.95.
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