The earnings call highlighted strong financial performance and robust shareholder returns, with upgrades to future guidance. However, challenges in market volatility and loan growth were also noted. The overall sentiment is positive, with confidence in sustained profitability and strategic focus.

Company Guidance -

Q3 2025

In the recent conference call, Intesa Sanpaolo provided an optimistic outlook for the remainder of 2025, upgrading its net income guidance to well above EUR 9 billion due to robust performance in the first half of the year. The bank achieved its best-ever 6-month net income of EUR 5.2 billion, translating to a return on equity of 20% and a 24% return on tangible equity. Earnings per share saw a 12% annual increase, while net income for the second quarter alone reached EUR 2.6 billion. Key performance drivers included record-high commissions and insurance income, as well as a notable rise in net interest income despite declining rates. Intesa Sanpaolo is on track to distribute at least EUR 8.2 billion to shareholders this year, including dividends and a EUR 2 billion buyback. The bank's cost/income ratio hit a record low of 38%, and asset quality remains strong, with net non-performing loan stocks continuing to decline. The guidance also emphasized the bank's focus on sustainable long-term profitability, supported by strong internal capital generation and strategic actions planned for the fourth quarter to bolster future returns.

Record Net Income

Best ever 6-month net income at EUR 5.2 billion, representing a return on equity of 20% and a 12% growth in earnings per share.

Upgraded Net Income Guidance

Intesa Sanpaolo upgraded its 2025 net income guidance to well above EUR 9 billion, including Q4 managerial actions to strengthen future profitability.

Strong Shareholder Returns

Intesa Sanpaolo will distribute no less than EUR 8.2 billion to shareholders, including a EUR 2 billion buyback and EUR 3.2 billion interim dividend.

Asset Quality and Capital Generation

Costs are down, asset quality remains top notch, and customer financial assets grew by EUR 37 billion on a yearly basis.

Leadership in Commissions and Insurance Income

Commissions and insurance income reached record highs, with non-motor P&C revenues up 15% year-on-year.

Strong Net Interest Income

Net interest income grew 5% quarterly despite declining rates, supported by core deposits hedging and securities portfolio contributions.

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

Daily Earnings Calendar >

ISNPY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 31, 2025	2025 (Q3)	0.91 / -	0.803	―	―	―
Jul 30, 2025	2025 (Q2)	0.93 / 0.97	0.847	14.88% (+0.13)
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 0.91.

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