Intesa Sanpaolo (ISNPY) AI Stock Analysis

• Market Cap: $112.60B
• Dividend Yield: 6.26%
• Average Volume (3M): 4.91K
• Price to Earnings (P/E): 11.4
• 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): 0.90
• Shares Outstanding: 2,902,231,700
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 4,906
• 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: 2.51
• Enterprise Value/Revenue: 6.72
• Enterprise Value/Gross Profit: 9.84
• Enterprise Value/Ebitda: 19.42
• 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): $31.69B

• Rating: 76 Outperform
• Price Target: ―

Intesa Sanpaolo's overall score is driven by strong financial performance, positive technical indicators, and favorable valuation metrics. The earnings call further supports the score with record-breaking net income and strong capital management, despite some challenges in net interest income and potential tax impacts.

Positive Factors

Strong Capital Position

A strong capital position enhances financial stability, enabling the bank to withstand economic downturns and invest in growth opportunities.

Significant Tech Investments

Investing in technology and digital platforms positions the bank for long-term growth by improving operational efficiency and customer engagement.

Best-in-Class Cost Income Ratio

A low cost-income ratio indicates operational efficiency, allowing the bank to maintain profitability even in challenging market conditions.

Negative Factors

Cash Flow Challenges

Persistent cash flow challenges can strain liquidity, limiting the bank's ability to fund operations and invest in growth without external financing.

Excess Capital Management

Inefficient capital management may lead to suboptimal returns for shareholders and missed investment opportunities, affecting long-term growth.

Potential Pressure on Net Interest Income

Declining net interest income due to lower interest rates can reduce profitability, challenging the bank's ability to sustain earnings growth.

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 primarily through interest income, fees, and commissions. The bank earns a significant portion of its income from interest on loans provided to customers, including personal loans and mortgages, as well as from corporate lending. Additionally, the bank collects fees and commissions from various services such as account management, transaction services, and investment banking activities. The wealth management division contributes to revenues through advisory services and asset management products. Strategic partnerships with financial institutions and technology firms also enhance its service offerings and operational efficiency, positively impacting its earnings.

Intesa Sanpaolo Financial Statement Overview

Summary

Intesa Sanpaolo demonstrates strong revenue and net income growth, and a solid equity base enhancing financial stability. However, cash flow challenges could pose liquidity risks if not addressed.

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: Positive
• RSI: Neutral
• STOCH: Positive

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 39.24, above the 50-day MA of 38.83, and above the 200-day MA of 34.47, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 48.86 is Neutral, neither overbought nor oversold. The STOCH value of 18.82 is Positive, 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
PNC	77 Outperform	$75.25B	12.38	11.31%	3.44%	1.79%	30.93%
ISNPY	76 Outperform	$112.60B	11.42	14.94%	6.26%	-9.02%	9.83%
USB	75 Outperform	$76.03B	11.20	11.69%	4.13%	2.91%	33.77%
HDB	73 Outperform	$173.07B	22.23	14.17%	3.00%	-1.78%	0.65%
IBN	71 Outperform	$108.84B	17.53	17.41%	0.83%	10.85%	7.98%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MFG	62 Neutral	$85.51B	14.92	9.14%	2.80%	-2.84%	25.48%

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.