Intesa Sanpaolo (ISNPY) AI Stock Analysis

• Market Cap: $120.21B
• Dividend Yield: 5.46%
• Average Volume (3M): 93.90K
• Price to Earnings (P/E): 12.2
• Beta (1Y): 0.62
• Revenue Growth: -9.02%
• EPS Growth: 9.83%
• Country: US
• Employees: 91,825
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.91
• Shares Outstanding: 2,902,231,700
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 93,899
• 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 Cap: 0.88
• Enterprise Value/Revenue: 2.53
• Enterprise Value/Gross Profit: 3.71
• Enterprise Value/Ebitda: 7.32
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 3.71
• Revenue Forecast (FY): $31.74B

• Rating: 72 Outperform
• Price Target: $46.00 ▲(18.47% Upside)

Intesa Sanpaolo's overall stock score reflects a strong earnings call performance and solid technical indicators, which are offset by concerns over financial performance, particularly in cash flow and revenue growth. The valuation is reasonable, and the dividend yield is attractive, but caution is advised due to potential liquidity challenges and high leverage.

Positive Factors

Record Net Income

Achieving record net income indicates strong operational performance and effective cost management, enhancing long-term profitability.

Capital Strength

A higher CET1 ratio strengthens the bank's financial stability, providing a buffer against economic downturns and supporting future growth.

Shareholder Returns

Strong shareholder returns reflect robust cash generation and management's commitment to returning value, enhancing investor confidence.

Negative Factors

Negative Revenue Growth

Negative revenue growth poses a risk to long-term profitability, indicating potential challenges in market demand or competitive positioning.

High Leverage

High leverage can limit financial flexibility and increase vulnerability to interest rate changes, impacting long-term financial health.

Cash Flow Challenges

Negative cash flows highlight potential liquidity constraints, which could affect the bank's ability to invest in growth opportunities.

Intesa Sanpaolo Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Intesa Sanpaolo generates revenue through multiple key streams. The primary source is net interest income, which comes from the difference between interest earned on loans and interest paid on deposits. Additionally, the bank earns substantial fees from services such as asset management, investment banking, and advisory services. Transaction fees from payment services and commissions on wealth management products also contribute to its revenue. The bank has established significant partnerships with various corporations and financial institutions, allowing it to enhance its service offerings and expand its client base. Furthermore, the bank’s focus on digital transformation and sustainable finance initiatives has positioned it to tap into new revenue opportunities while addressing evolving market demands.

Intesa Sanpaolo Financial Statement Overview

Summary

Intesa Sanpaolo shows strong revenue and net income growth, a robust balance sheet with increasing equity and reduced leverage, but faces cash flow challenges that could pose liquidity risks.

Income Statement

Intesa Sanpaolo demonstrates strong revenue and net income growth over the years. The gross profit margin remains stable, benefiting from consistent revenue growth. However, the absence of EBIT and EBITDA data for the latest year limits a comprehensive analysis of operational efficiency.

Balance Sheet

The company maintains a solid equity base with a significant increase in stockholders' equity, reflecting financial stability. The absence of total debt in 2024 enhances its leverage position. However, the equity ratio has experienced slight fluctuations, indicating variations in asset management.

Cash Flow

Intesa Sanpaolo's cash flow analysis reveals challenges, with negative operating and free cash flows in recent years. Despite a substantial operating cash flow in 2022, the trend reversed in 2023 and 2024, suggesting potential liquidity management issues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	42.03B	44.81B	41.01B	25.44B	24.38B	14.31B
Gross Profit	28.68B	28.29B	25.42B	21.57B	21.90B	14.31B
EBITDA	14.54B	13.77B	12.40B	7.76B	6.77B	5.92B
Net Income	9.12B	8.67B	7.72B	4.38B	4.18B	3.28B
Balance Sheet
Total Assets	943.45B	933.28B	963.57B	975.68B	1.07T	1.00T
Cash, Cash Equivalents and Short-Term Investments	49.39B	99.87B	98.83B	122.09B	147.09B	89.28B
Total Debt	141.37B	146.57B	142.13B	208.43B	101.22B	107.15B
Total Liabilities	876.79B	867.96B	899.44B	913.86B	1.00T	936.29B
Stockholders Equity	66.52B	65.18B	63.96B	61.10B	63.77B	65.87B
Cash Flow
Free Cash Flow	0.00	-41.86B	-18.99B	100.43B	6.91B	-3.61B
Operating Cash Flow	0.00	-40.19B	-17.34B	102.28B	8.80B	-2.17B
Investing Cash Flow	0.00	-1.25B	-588.00M	-538.00M	-2.23B	-357.00M
Financing Cash Flow	0.00	-7.19B	-5.59B	-3.52B	-5.59B	2.68B

Intesa Sanpaolo Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 38.83
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ISNPY, the sentiment is Positive. The current price of 38.83 is below the 20-day moving average (MA) of 39.80, above the 50-day MA of 38.70, and above the 200-day MA of 34.74, indicating a bullish trend. The MACD of 0.85 indicates Negative momentum. The RSI at 68.70 is Neutral, neither overbought nor oversold. The STOCH value of 98.01 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ISNPY.

Intesa Sanpaolo Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
USB	76 Outperform	$85.40B	12.58	11.69%	3.77%	2.91%	33.77%
HDB	73 Outperform	$170.64B	22.01	14.17%	3.03%	-1.78%	0.65%
ISNPY	72 Outperform	$120.21B	12.20	14.94%	5.46%	-9.02%	9.83%
PNC	71 Outperform	$83.72B	13.78	11.31%	3.11%	1.79%	30.93%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MFG	64 Neutral	$90.89B	13.65	9.14%	2.31%	-2.84%	25.48%
IBN	63 Neutral	$108.40B	17.20	17.41%	0.85%	10.85%	7.98%

Intesa Sanpaolo Corporate Events

Intesa Sanpaolo’s Earnings Call: Record Income & Strong Returns

Intesa Sanpaolo’s recent earnings call painted a picture of robust financial health, marked by record-breaking net income and strong shareholder returns. The sentiment was largely positive, although there were some concerns about challenges in net interest income and potential impacts from new banking taxes.