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Intesa Sanpaolo Spa (ISNPY)
OTHER OTC:ISNPY
ISNPY Stock Chart & Stats
$38.83
$0.31(1.25%)
At close: 4:00 PM EST
$38.83
$0.31(1.25%)
Day’s Range― - ―
52-Week Range$25.56 - $43.04
Previous CloseN/A
Volume36.05K
Average Volume (3M)22.04K
Market Cap
$122.83B
Enterprise Value$170.63B
Total Cash (Recent Filing)$49.39B
Total Debt (Recent Filing)$141.37B
Price to Earnings (P/E)11.7
Beta0.64
Next Earnings
May 05, 2026EPS Estimate
1.09Next Dividend Ex-DateN/A
Dividend Yield5.46%
Share Statistics
EPS (TTM)0.71
Shares Outstanding2,902,231,700
10 Day Avg. Volume12,857
30 Day Avg. Volume22,044
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.18
Price to Sales (P/S)0.26
P/FCF Ratio-0.28
Enterprise Value/Market Cap1.39
Enterprise Value/Revenue4.06
Enterprise Value/Gross Profit5.95
Enterprise Value/Ebitda11.74
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Resilient Fee And Insurance RevenueStrong, recurring fee and bancassurance revenues diversify earnings away from interest-rate sensitive NII. This steadier revenue base supports margin stability and cash generation, enabling investment in growth and tech even if lending spreads compress over the medium term.
Solid Capital PositionA CET1 ratio materially above the 12.5% target provides a durable buffer for regulatory shocks and strategic actions. It permits shareholder distributions while preserving room for loan growth and buffers against credit deterioration, strengthening franchise stability over months.
Material Technology And Efficiency ProgrammeLarge, committed tech investment and full cloud migration should lower long‑run operating costs, speed product rollout, and improve scalability. These structural capabilities support cross‑sell, digital distribution and margin improvement if execution stays on plan.
Bears Say
Weak And Volatile Cash GenerationTwo consecutive years of negative operating and free cash flow erode internal funding capacity, increasing reliance on external financing or asset sales. That weakens liquidity resilience and constrains flexibility for lending, buybacks, or unexpected credit losses.
Rising LeverageA notable rise in leverage increases sensitivity to funding costs and credit shocks, reducing capital buffers and strategic optionality. Persisting this trend could elevate regulatory scrutiny, limit loan growth capacity and raise funding costs over the medium term.
Very High Shareholder Payout PolicyCommitting nearly all earnings to distributions leaves little retained capital to absorb shocks, fund strategic investments or respond to regulatory hits (e.g., budget law effects). That policy reduces balance sheet flexibility and increases execution risk if earnings underperform.
Intesa Sanpaolo News
ISNPY FAQ
What was Intesa Sanpaolo Spa’s price range in the past 12 months?
Intesa Sanpaolo Spa lowest stock price was $25.56 and its highest was $43.04 in the past 12 months.
What is Intesa Sanpaolo Spa’s market cap?
Intesa Sanpaolo Spa’s market cap is $122.83B.
When is Intesa Sanpaolo Spa’s upcoming earnings report date?
Intesa Sanpaolo Spa’s upcoming earnings report date is May 05, 2026 which is in 89 days.
How were Intesa Sanpaolo Spa’s earnings last quarter?
Intesa Sanpaolo Spa released its earnings results on Feb 02, 2026. The company reported $0.708 earnings per share for the quarter, beating the consensus estimate of $0.662 by $0.046.
Is Intesa Sanpaolo Spa overvalued?
According to Wall Street analysts Intesa Sanpaolo Spa’s price is currently Overvalued.
Does Intesa Sanpaolo Spa pay dividends?
Intesa Sanpaolo Spa pays a Semiannually dividend of $0.934 which represents an annual dividend yield of 5.46%. See more information on Intesa Sanpaolo Spa dividends here
What is Intesa Sanpaolo Spa’s EPS estimate?
Intesa Sanpaolo Spa’s EPS estimate is 1.09.
How many shares outstanding does Intesa Sanpaolo Spa have?
Intesa Sanpaolo Spa has 2,902,231,700 shares outstanding.
What happened to Intesa Sanpaolo Spa’s price movement after its last earnings report?
Intesa Sanpaolo Spa reported an EPS of $0.708 in its last earnings report, beating expectations of $0.662. Following the earnings report the stock price went down -0.662%.
Which hedge fund is a major shareholder of Intesa Sanpaolo Spa?
Currently, no hedge funds are holding shares in ISNPY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Intesa Sanpaolo Stock Smart Score
Neutral
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Company Description
Intesa Sanpaolo Spa
Intesa Sanpaolo S.p.A. provides various financial products and services primarily in Italy. It operates through six segments Banca dei Territori, IMI Corporate & Investment Banking, International Subsidiary Banks, Asset Management, Private Banking, and Insurance. The company offers lending and deposit products; corporate, investment banking, and public finance services; industrial credit, factoring, and leasing services; asset management solutions; life and non-life insurance products; and bancassurance and pension fund, and fiduciary services. It also provides consumer credit and E-money; wealth management and private banking services. The company serves individuals, small and medium-sized businesses, non-profit organizations, corporates and financial institutions, public administration, private clients and high net worth individuals, institutional clientele, and other customers. Intesa Sanpaolo S.p.A. is headquartered in Turin, Italy.
ISNPY Company Deck
ISNPY Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a predominantly positive message: Intesa Sanpaolo reported record 2025 results (EUR 9.3bn net income), strengthened capital (CET1 13.9%), near‑zero NPLs, record fee/in‑surance income, and an ambitious multi‑year plan with clear numeric targets (net income > EUR 11.5bn, ROE > 20%, cost/income ~37%). Management emphasizes technology (isytech), cost savings (EUR 1.6bn program), and sizable growth initiatives (EUR 370bn lending, +2.5m clients, +EUR 200bn customer assets). Key challenges flagged include pressure from lower Euribor on NII, the impact of the Italian Budget Law (capital and tax effects), substantial shareholder distribution (95% payout in 2026) and execution uncertainty around international expansion (Isywealth Europe) despite conservative planning. Overall, the positive operational and capital trends and the scale of the strategic plan materially outweigh the highlighted risks, which are largely framed as manageable or deliberately conservative.View all ISNPY earnings summariesTechnical Analysis
Ownership Overview
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Insiders
<0.01% Mutual Funds
<0.01% Other Institutional Investors
99.96% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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