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Intesa Sanpaolo Spa (ISNPY)
:ISNPY
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Intesa Sanpaolo
(OTC:ISNPY)
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Rating:76Outperform
Price Target:―
Intesa Sanpaolo exhibits strong financial health with impressive income growth and a solid balance sheet. Technical indicators suggest bullish momentum, while valuation metrics imply the stock is undervalued. The latest earnings call underscored strong performance, though liquidity management and capital allocation remain key areas for improvement.
Intesa Sanpaolo (ISNPY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$114.01B
Dividend Yield6.34%
Average Volume (3M)7.86K
Price to Earnings (P/E)11.7
Beta (1Y)0.66
Revenue Growth-5.26%
EPS Growth16.16%
CountryUS
Employees91,825
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.99
Shares Outstanding2,967,278,300
10 Day Avg. Volume15,256
30 Day Avg. Volume7,863
Financial Highlights & Ratios
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 Cap2.28
Enterprise Value/Revenue6.89
Enterprise Value/Gross Profit9.70
Enterprise Value/Ebitda17.86
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 (ISNPY) is a leading Italian banking group, headquartered in Turin and Milan, with a significant presence in the European financial sector. The bank offers a wide range of financial products and services, including retail banking, corporate banking, wealth management, and investment banking. It serves a diverse clientele, ranging from individuals and small businesses to large corporations and institutional clients. Intesa Sanpaolo's operations are organized into several business units, each focused on delivering specialized financial solutions to meet the varying needs of their customers.
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: |
Next Earnings Date:Oct 31, 2025
Earnings Call Sentiment Positive
The earnings call highlighted strong financial performance and robust shareholder returns, with upgrades to future guidance. However, challenges in market volatility and loan growth were also noted. The overall sentiment is positive, with confidence in sustained profitability and strategic focus.Q2-2025 Updates
Positive Updates
Record Net Income
Best ever 6-month net income at EUR 5.2 billion, representing a return on equity of 20% and a 12% growth in earnings per share.
Upgraded Net Income Guidance
Intesa Sanpaolo upgraded its 2025 net income guidance to well above EUR 9 billion, including Q4 managerial actions to strengthen future profitability.
Strong Shareholder Returns
Intesa Sanpaolo will distribute no less than EUR 8.2 billion to shareholders, including a EUR 2 billion buyback and EUR 3.2 billion interim dividend.
Asset Quality and Capital Generation
Costs are down, asset quality remains top notch, and customer financial assets grew by EUR 37 billion on a yearly basis.
Leadership in Commissions and Insurance Income
Commissions and insurance income reached record highs, with non-motor P&C revenues up 15% year-on-year.
Strong Net Interest Income
Net interest income grew 5% quarterly despite declining rates, supported by core deposits hedging and securities portfolio contributions.
Negative Updates
Market Volatility Impact
Market volatility due to tariffs caused some turbulence, affecting the performance of corporate and investment banking.
Challenges in Loan Growth
Competitive pressures in loan growth have been challenging, but a recovery is expected with a projected growth between 2% and 5% in the second half.
Wholesale Funding Considerations
While the bank currently has no intention to replace maturing wholesale funding, future market conditions may necessitate adjustments.
Company Guidance
In the recent conference call, Intesa Sanpaolo provided an optimistic outlook for the remainder of 2025, upgrading its net income guidance to well above EUR 9 billion due to robust performance in the first half of the year. The bank achieved its best-ever 6-month net income of EUR 5.2 billion, translating to a return on equity of 20% and a 24% return on tangible equity. Earnings per share saw a 12% annual increase, while net income for the second quarter alone reached EUR 2.6 billion. Key performance drivers included record-high commissions and insurance income, as well as a notable rise in net interest income despite declining rates. Intesa Sanpaolo is on track to distribute at least EUR 8.2 billion to shareholders this year, including dividends and a EUR 2 billion buyback. The bank's cost/income ratio hit a record low of 38%, and asset quality remains strong, with net non-performing loan stocks continuing to decline. The guidance also emphasized the bank's focus on sustainable long-term profitability, supported by strong internal capital generation and strategic actions planned for the fourth quarter to bolster future returns.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 | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 37.69B | 44.81B | 23.16B | 18.00B | 18.12B | 14.31B |
| Gross Profit | 26.77B | 28.29B | 25.17B | 21.57B | 21.90B | 14.31B |
| EBITDA | 14.54B | 0.00 | 0.00 | 7.76B | 6.76B | 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 | 86.77B |
| Total Debt | 141.37B | 146.57B | 199.19B | 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
Positive
38.82
Price Trends
38.08
Positive
36.01
Positive
31.92
Positive
Market Momentum
0.34
Positive
49.72
Neutral
42.49
Neutral
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 38.82 is below the 20-day moving average (MA) of 38.83, above the 50-day MA of 38.08, and above the 200-day MA of 31.92, indicating a neutral trend. The MACD of 0.34 indicates Positive momentum. The RSI at 49.72 is Neutral, neither overbought nor oversold. The STOCH value of 42.49 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ISNPY.
Intesa Sanpaolo Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $77.04B | 13.56 | 11.19% | 3.32% | 3.60% | 22.68% | |
77 Outperform | $74.26B | 11.50 | 11.64% | 4.23% | 1.10% | 32.55% | |
76 Outperform | $114.01B | 11.65 | 13.43% | 6.34% | -5.26% | 16.16% | |
71 Outperform | $109.73B | 17.51 | 17.47% | 0.84% | 17.32% | 12.99% | |
70 Outperform | $166.92B | 21.04 | 13.78% | 0.20% | 2.48% | 0.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $79.14B | 13.99 | 8.69% | 2.58% | -2.22% | 24.37% |
* Financial Sector Average
ISNPY
Intesa Sanpaolo
38.56
15.10
64.36%
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IBN
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31.02
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PNC
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USB
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47.50
5.14
12.13%
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.