Education
About Us
Working with TipRanks
Follow Us
Intesa Sanpaolo Spa (ISNPY)
OTHER OTC:ISNPY
Earnings Data
Report Date
May 05, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.09Last Year’s EPS
0.98Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
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.Company Guidance
Record Net Income and Profitability
2025 net income reached a record EUR 9.3 billion (highest ever); net income up ~8% year‑over‑year. Management reports best‑in‑class cost/income ratio and sustained operating margin with strong revenue performance despite lower market rates.
Strong Capital Position
Common Equity Tier 1 (CET1) ratio rose to 13.9% (would be ~13.2% after the planned July buyback). Management expects CET1 to remain comfortably above the 12.5% target through the plan driven by internal capital generation.
Near‑Zero NPLs and Low Cost of Risk
NPL stock reduced to approximately EUR 0.8 billion in bad loans; bank claims '0 NPL bank' status. Reported cost of risk (adjusted for additional Q4 provisions) ~26 basis points, with low expected NPL inflows going forward.
Record Commissions and Insurance Income
2025 saw record commissions and insurance income; Q4 was the best quarter ever for commissions. Fees grew meaningfully in 2025 (management cites strong resilience of non‑interest revenue).
Shareholder Returns and Liquidity Actions
2025 distributions: EUR 8.8 billion to shareholders (noted as ~50% more than prior plan target). Announced 2025 cash dividend up 10% year‑on‑year and a EUR 2.3 billion buyback in July; new policy raises cash payout to 75% + 20% buyback (95% total) for 2026.
Ambitious and Conservative 4‑Year Business Plan Targets
Targets by 2029: net income > EUR 11.5 billion, sustainable ROE > 20%, cost/income ratio ~37%. Plan emphasizes cost reduction, conservative revenue growth and low cost of risk while maintaining strong capital and liquidity.
Material Growth and Deployment Targets
Plan metrics include: add ~2.5 million clients, provide > EUR 370 billion of medium/long‑term lending, grow customer financial assets by EUR 200 billion (EUR 100 billion in AUM), recruit ~3,700 additional people for Wealth Management, and Isybank to add ~1 million clients.
Technology & Efficiency Enablers
isytech cloud migration committed to 100% of applications in the cloud by 2029; planned EUR 10+ billion tech investments already deployed. Cost savings program targets EUR 1.6 billion of savings enabling a net EUR 200 million absolute cost reduction while funding growth and investments.
Hedging & NII Support
Management expects net interest income to grow in 2026 vs 2025 (despite further Euribor reduction), helped by hedging facilities and loan/deposit growth. Hedging facility contribution guidance: ~EUR 450–500 million in 2026, then ~EUR 300 million p.a. thereafter. NII sensitivity: ~EUR 300 million per 50 bps rise in rates.
Social & Sustainability Commitments
Plan includes an additional EUR 1 billion contribution to social impact and commitment to allocate 30% of total medium/long‑term new lending to sustainable financing; management highlights continued leadership in social impact.
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
ISNPY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 02, 2026 | $42.59 | $42.30 | -0.66% |
Oct 31, 2025 | $38.62 | $37.69 | -2.41% |
Jul 30, 2025 | $35.07 | $36.48 | +4.00% |
May 06, 2025 | $31.07 | $30.83 | -0.76% |
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 May 05, 2026, TBA (Confirmed).
What is Intesa Sanpaolo Spa (ISNPY) earnings time?
Intesa Sanpaolo Spa (ISNPY) earnings time is at May 05, 2026, 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 2026 (Q1) is 1.09.