The earnings call reflects a strong performance by Intesa Sanpaolo, with record net income, strong shareholder returns, improved asset quality, and a resilient business model. While market volatility and potential impacts from tariffs are noted concerns, they do not overshadow the bank's achievements and positive outlook.

Company Guidance -

Q3 2025

During the conference call, Intesa Sanpaolo's CEO, Carlo Messina, outlined a robust financial performance for the first half of 2025 and provided updated guidance. The bank achieved a record net income of EUR 5.2 billion for the first six months, with a return on equity of 20% and 24% on tangible equity. Earnings per share increased by 12% year-over-year. For the second quarter alone, net income was EUR 2.6 billion, driven by strong net interest income and high commissions and insurance income. Looking forward, Intesa Sanpaolo upgraded its 2025 net income guidance to well above EUR 9 billion, supported by anticipated Q4 managerial actions. For the year, the bank plans to distribute at least EUR 8.2 billion to shareholders, including a EUR 3.2 billion interim dividend and a EUR 2 billion buyback. The cost/income ratio improved to a record low of 38%, and asset quality remained strong with a low NPL ratio. The bank's CET1 ratio rose by 65 basis points to 13.5%, with further increases expected. Additionally, customer financial assets grew by EUR 37 billion year-over-year. The management is optimistic about the Italian economy and expects further growth driven by investments and resilient SMEs.

Record Net Income

Intesa Sanpaolo delivered its best ever 6-month net income at EUR 5.2 billion, with the second quarter also marking a record at EUR 2.6 billion. This reflects a return on equity of 20%.

Earnings Per Share Growth

Earnings per share grew by 12% on a yearly basis.

Increased 2025 Net Income Guidance

The bank upgraded its 2025 net income guidance to well above EUR 9 billion.

Strong Shareholder Returns

Intesa Sanpaolo is set to distribute no less than EUR 8.2 billion to shareholders, including dividends and buybacks.

Asset Growth

Customer financial assets grew by EUR 37 billion on a yearly basis, with EUR 12 billion growth in Q2.

Cost Efficiency

The cost/income ratio was at its lowest ever at 38%, despite challenges from labor contract renewals and tech investments.

Improved Asset Quality

NPL ratios are at historical lows, and asset quality remains strong with inflows at historical loans.

Resilient Italian Economy

The Italian economy shows resilience with strong public and EU-driven investments supporting growth.

Intesa Sanpaolo (ISNPY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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ISNPY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 31, 2025	2025 (Q3)	0.90 / -	0.803	―	―	―
Jul 30, 2025	2025 (Q2)	0.93 / 0.96	0.847	13.70% (+0.12)
May 06, 2025	2025 (Q1)	0.93 / 0.97	0.779	25.16% (+0.20)
Feb 04, 2025	2024 (Q4)	0.54 / 0.50	0.511	-2.54% (-0.01)
Oct 31, 2024	2024 (Q3)	0.82 / 0.80	0.651	23.35% (+0.15)
Jul 30, 2024	2024 (Q2)	0.82 / 0.85	0.744	13.84% (+0.10)
May 03, 2024	2024 (Q1)	0.78 / 0.78	0.659	18.21% (+0.12)
Feb 06, 2024	2023 (Q4)	0.53 / 0.51	0.389	31.36% (+0.12)
Nov 03, 2023	2023 (Q3)	0.65 / 0.65	0.324	100.93% (+0.33)
Jul 28, 2023	2023 (Q2)	0.69 / 0.74	0.353	110.76% (+0.39)

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

ISNPY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 30, 2025	$35.94	$37.37	+3.98%
May 06, 2025	$31.83	$31.59	-0.75%
Feb 04, 2025	$25.15	$25.80	+2.58%
Oct 31, 2024	$24.20	$24.14	-0.25%

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.

FAQ

When does Intesa Sanpaolo Spa (ISNPY) report earnings?

Intesa Sanpaolo Spa (ISNPY) is schdueled to report earning on Oct 31, 2025, TBA (Confirmed).

What is Intesa Sanpaolo Spa (ISNPY) earnings time?

Intesa Sanpaolo Spa (ISNPY) earnings time is at Oct 31, 2025, TBA (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 (Q3) is 0.9.

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