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Intesa Sanpaolo (ISNPY)
OTHER OTC:ISNPY
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Intesa Sanpaolo
(OTC:ISNPY)
Rating:76Outperform
Price Target:―
Intesa Sanpaolo (ISNPY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$102.96B
Dividend Yield7.05%
Average Volume (3M)12.45K
Price to Earnings (P/E)10.4
Beta (1Y)0.65
Revenue Growth6.58%
EPS Growth17.25%
CountryUS
Employees91,825
SectorFinancial
Sector Strength68
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.96
Shares Outstanding2,967,278,300
10 Day Avg. Volume14,395
30 Day Avg. Volume12,448
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market Cap2.25
Enterprise Value/Revenue8.91
Enterprise Value/Gross Profit8.59
Enterprise Value/Ebitda17.53
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering0
Intesa Sanpaolo Business Overview & Revenue Model
Company DescriptionIntesa 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 MoneyIntesa Sanpaolo generates revenue primarily through interest income, which it earns from lending activities to individuals, businesses, and government entities. The bank also earns substantial fees and commissions from services such as asset management, investment banking, insurance products, and payment processing. Wealth management and private banking services contribute to its earnings by managing client assets and providing tailored financial advice. Additionally, Intesa Sanpaolo benefits from its strategic partnerships and investments, which offer synergies and expand its market reach. The bank's extensive network of branches and digital platforms enhances its ability to attract deposits, which in turn supports its lending capabilities and revenue generation.
Intesa Sanpaolo Earnings Call Summary
Earnings Call Date:Jul 30, 2025
(Q2-2025)
| % Change Since: -3.56%|
Next Earnings Date:Oct 31, 2025
Earnings Call Sentiment Positive
The earnings call reflects a strong performance by Intesa Sanpaolo, with record net income, strong shareholder returns, improved asset quality, and a resilient business model. While market volatility and potential impacts from tariffs are noted concerns, they do not overshadow the bank's achievements and positive outlook.Q2-2025 Updates
Positive Updates
Record Net Income
Intesa Sanpaolo delivered its best ever 6-month net income at EUR 5.2 billion, with the second quarter also marking a record at EUR 2.6 billion. This reflects a return on equity of 20%.
Earnings Per Share Growth
Earnings per share grew by 12% on a yearly basis.
Increased 2025 Net Income Guidance
The bank upgraded its 2025 net income guidance to well above EUR 9 billion.
Strong Shareholder Returns
Intesa Sanpaolo is set to distribute no less than EUR 8.2 billion to shareholders, including dividends and buybacks.
Asset Growth
Customer financial assets grew by EUR 37 billion on a yearly basis, with EUR 12 billion growth in Q2.
Cost Efficiency
The cost/income ratio was at its lowest ever at 38%, despite challenges from labor contract renewals and tech investments.
Improved Asset Quality
NPL ratios are at historical lows, and asset quality remains strong with inflows at historical loans.
Resilient Italian Economy
The Italian economy shows resilience with strong public and EU-driven investments supporting growth.
Negative Updates
Market Volatility Impact
Market volatility due to tariffs impacted some aspects of business, though the bank remained resilient.
Uncertain Loan Growth
The exact loan growth potential remains uncertain, with projections between 2% to 5% for the second half of the year.
Impact of Tariffs
The impact of tariffs on the Italian economy and on specific sectors remains a concern, though the bank expects it to be manageable.
Company Guidance
During the conference call, Intesa Sanpaolo's CEO, Carlo Messina, outlined a robust financial performance for the first half of 2025 and provided updated guidance. The bank achieved a record net income of EUR 5.2 billion for the first six months, with a return on equity of 20% and 24% on tangible equity. Earnings per share increased by 12% year-over-year. For the second quarter alone, net income was EUR 2.6 billion, driven by strong net interest income and high commissions and insurance income. Looking forward, Intesa Sanpaolo upgraded its 2025 net income guidance to well above EUR 9 billion, supported by anticipated Q4 managerial actions. For the year, the bank plans to distribute at least EUR 8.2 billion to shareholders, including a EUR 3.2 billion interim dividend and a EUR 2 billion buyback. The cost/income ratio improved to a record low of 38%, and asset quality remained strong with a low NPL ratio. The bank's CET1 ratio rose by 65 basis points to 13.5%, with further increases expected. Additionally, customer financial assets grew by EUR 37 billion year-over-year. The management is optimistic about the Italian economy and expects further growth driven by investments and resilient SMEs.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.75
Positive
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.70
Positive
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.65
Positive
| Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 28.29B | 23.16B | 22.47B | 22.40B | 19.85B |
| Gross Profit | 28.29B | 25.17B | 22.47B | 22.40B | 19.85B |
| EBITDA | 0.00 | 0.00 | 7.76B | 6.76B | 5.92B |
| Net Income | 8.67B | 7.72B | 4.38B | 4.18B | 2.15B |
Balance Sheet | |||||
| Total Assets | 933.28B | 963.57B | 975.68B | 1.07T | 1.00T |
| Cash, Cash Equivalents and Short-Term Investments | 99.87B | 136.97B | 144.20B | 147.09B | 86.77B |
| Total Debt | 146.57B | 93.71B | 96.14B | 101.22B | 107.15B |
| Total Liabilities | 867.96B | 899.44B | 913.86B | 1.00T | 936.29B |
| Stockholders Equity | 65.18B | 63.96B | 61.66B | 63.77B | 65.87B |
Cash Flow | |||||
| Free Cash Flow | -41.86B | -18.99B | 100.43B | 6.91B | -3.61B |
| Operating Cash Flow | -40.19B | -17.34B | 102.28B | 8.80B | -2.17B |
| Investing Cash Flow | -1.25B | -588.00M | -538.00M | -2.23B | -357.00M |
| Financing Cash Flow | -7.19B | -5.59B | -3.52B | -5.59B | 2.68B |
Intesa Sanpaolo Technical Analysis
Neutral
34.66
Price Trends
34.22
Positive
32.23
Positive
28.52
Positive
Market Momentum
0.53
Negative
48.30
Neutral
55.10
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ISNPY, the sentiment is Neutral. The current price of 34.66 is below the 20-day moving average (MA) of 35.07, above the 50-day MA of 34.22, and above the 200-day MA of 28.52, indicating a neutral trend. The MACD of 0.53 indicates Negative momentum. The RSI at 48.30 is Neutral, neither overbought nor oversold. The STOCH value of 55.10 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ISNPY.
Intesa Sanpaolo Peers Comparison
Overall Rating
UnderperformOutperform
Sector (58)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $176.98B | 23.64 | 13.78% | 0.86% | 2.48% | 0.36% | |
76 Outperform | $102.96B | 10.41 | 13.63% | 7.05% | 6.58% | 17.25% | |
72 Outperform | $120.48B | 19.15 | 17.47% | 0.71% | 17.32% | 12.99% | |
72 Outperform | $60.05B | 12.57 | 10.06% | 3.63% | 3.47% | -8.90% | |
68 Neutral | $64.18B | 8.95 | 20.65% | 6.79% | -6.74% | 5.13% | |
65 Neutral | $75.79B | 12.36 | 8.69% | 2.69% | 13.63% | 27.77% | |
58 Neutral | HK$96.23B | 5.61 | -3.67% | 5.07% | 6.62% | -43.35% |
* Financial Sector Average
Performance Comparison
ISNPY
Intesa Sanpaolo
34.66
13.51
63.88%
HDB
Hdfc Bank
76.98
19.61
34.18%
IBN
Icici Bank
33.64
6.02
21.80%
ITUB
Itau Unibanco
6.29
1.44
29.69%
LYG
Lloyds Banking
4.36
1.71
64.53%
MFG
Mizuho Financial
5.84
2.00
52.08%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.