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Intesa Sanpaolo Spa (ISNPY)
OTHER OTC:ISNPY
US Market

Intesa Sanpaolo (ISNPY) Ratios

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Intesa Sanpaolo Ratios

ISNPY's free cash flow for Q2 2025 was €0.74. For the 2025 fiscal year, ISNPY's free cash flow was decreased by € and operating cash flow was €0.39. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.91 0.24 0.23 0.28 0.31
Quick Ratio
0.91 0.24 0.23 0.28 0.74
Cash Ratio
0.00 0.12 0.23 0.27 0.31
Solvency Ratio
0.01 0.01 0.01 <0.01 <0.01
Operating Cash Flow Ratio
0.00 -0.09 -0.04 0.23 0.02
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
€ -855.58B€ -767.57B€ -800.10B€ -789.56B€ -857.77B
Leverage Ratios
Debt-to-Assets Ratio
0.06 0.16 0.15 0.10 0.09
Debt-to-Equity Ratio
0.90 2.25 2.22 1.61 1.59
Debt-to-Capital Ratio
0.47 0.69 0.69 0.62 0.61
Long-Term Debt-to-Capital Ratio
0.47 0.69 0.69 0.77 0.61
Financial Leverage Ratio
14.72 14.32 15.06 15.97 16.76
Debt Service Coverage Ratio
1.35 0.63 0.60 1.57 2.27
Interest Coverage Ratio
1.61 0.73 0.69 1.57 2.09
Debt to Market Cap
0.64 12.56 2.92 5.19 2.28
Interest Debt Per Share
3.76 325.86 51.46 31.78 32.11
Net Debt to EBITDA
4.12 6.92 3.49 10.90 -6.77
Profitability Margins
Gross Profit Margin
74.80%63.15%61.98%84.77%89.83%
EBIT Margin
36.33%26.91%26.21%23.88%21.25%
EBITDA Margin
39.89%30.72%30.25%30.50%27.78%
Operating Profit Margin
36.33%26.91%26.21%23.88%21.25%
Pretax Profit Margin
36.33%26.91%26.21%23.88%21.25%
Net Profit Margin
26.73%19.34%18.84%17.21%17.17%
Continuous Operations Profit Margin
26.78%19.33%18.91%17.30%16.58%
Net Income Per EBT
73.56%71.87%71.88%72.08%80.78%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.00%0.93%0.80%0.45%0.39%
Return on Equity (ROE)
14.41%13.30%12.08%7.17%6.56%
Return on Capital Employed (ROCE)
1.42%2.38%2.00%0.62%0.49%
Return on Invested Capital (ROIC)
-263.09%1.71%1.45%1.48%1.20%
Return on Tangible Assets
1.00%0.94%0.81%0.45%0.39%
Earnings Yield
10.31%74.25%15.88%10.90%9.43%
Efficiency Ratios
Receivables Turnover
0.00 86.00 79.47 55.30 343.35
Payables Turnover
0.00 9.42 9.24 2.06 1.09
Inventory Turnover
0.00 0.00 0.00 0.00 -0.01
Fixed Asset Turnover
1.92 5.62 4.74 2.87 2.68
Asset Turnover
0.04 0.05 0.04 0.03 0.02
Working Capital Turnover Ratio
-0.14 -0.14 -0.13 -0.08 -0.07
Cash Conversion Cycle
0.00 -34.48 -34.91 -170.91 -30.58K
Days of Sales Outstanding
0.00 4.24 4.59 6.60 1.06
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 -30.25K
Days of Payables Outstanding
0.00 38.73 39.50 177.51 334.39
Operating Cycle
0.00 4.24 4.59 6.60 -30.25K
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 -80.30 -5.66 31.77 2.73
Free Cash Flow Per Share
0.00 -83.63 -6.20 31.20 2.14
CapEx Per Share
0.00 3.33 0.54 0.57 0.59
Free Cash Flow to Operating Cash Flow
0.00 1.04 1.10 0.98 0.79
Dividend Paid and CapEx Coverage Ratio
0.00 -5.36 -2.91 21.25 1.48
Capital Expenditure Coverage Ratio
0.00 -24.08 -10.48 55.34 4.65
Operating Cash Flow Coverage Ratio
0.00 -0.27 -0.12 1.04 0.09
Operating Cash Flow to Sales Ratio
0.00 -0.90 -0.42 4.02 0.36
Free Cash Flow Yield
0.00%-358.60%-39.05%250.03%15.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
9.70 1.35 6.30 9.17 10.61
Price-to-Sales (P/S) Ratio
2.53 0.26 1.19 1.58 1.82
Price-to-Book (P/B) Ratio
1.42 0.18 0.76 0.66 0.70
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 -0.28 -2.56 0.40 6.42
Price-to-Operating Cash Flow Ratio
0.00 -0.29 -2.81 0.39 5.04
Price-to-Earnings Growth (PEG) Ratio
1.65 <0.01 0.08 2.02 0.13
Price-to-Fair Value
1.42 0.18 0.76 0.66 0.70
Enterprise Value Multiple
10.48 7.76 7.41 2.13 -0.22
Enterprise Value
149.48B 106.87B 91.93B 124.75B -1.49B
EV to EBITDA
10.48 7.76 7.41 16.08 -0.22
EV to Sales
4.18 2.39 2.24 4.90 -0.06
EV to Free Cash Flow
0.00 -2.55 -4.84 1.24 -0.22
EV to Operating Cash Flow
0.00 -2.66 -5.30 1.22 -0.17
Tangible Book Value Per Share
3.68 110.82 17.81 16.15 16.94
Shareholders’ Equity Per Share
3.67 130.23 20.87 18.98 19.75
Tax and Other Ratios
Effective Tax Rate
0.26 0.28 0.28 0.28 0.22
Revenue Per Share
2.01 89.53 13.38 7.90 7.55
Net Income Per Share
0.54 17.32 2.52 1.36 1.30
Tax Burden
0.74 0.72 0.72 0.72 0.81
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.14 0.06 0.07 0.12 0.13
Stock-Based Compensation to Revenue
0.00 0.00 <0.01 <0.01 <0.01
Income Quality
0.00 -4.64 -2.24 23.37 2.18
Currency in EUR