Intesa Sanpaolo SpA (ISP) AI Stock Analysis

• Market Cap: €98.19B
• Dividend Yield: 6.33%
• Average Volume (3M): 48.77M
• Price to Earnings (P/E): 10.9
• Beta (1Y): 1.23
• Revenue Growth: -5.85%
• EPS Growth: 15.20%
• Country: IT
• Employees: 91,825
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.14
• Shares Outstanding: 17,803,670,000
• 10 Day Avg. Volume: 50,484,471
• 30 Day Avg. Volume: 48,767,411
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €5.92
• Price Target Upside: 9.83% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 10

• Rating: 61 Neutral
• Price Target: ―

Intesa Sanpaolo SpA shows strong financial performance with robust revenue growth and effective cost management. However, significant negative operating cash flows and challenging technical indicators suggest caution. The stock's attractive valuation, with a low P/E ratio and high dividend yield, provides a positive offset. Absence of earnings call and corporate events data limits further analysis.

Intesa Sanpaolo SpA 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 its core banking activities. The company earns money from interest income on loans and advances to customers, which is a key revenue stream. Additionally, it earns fee and commission income from services such as asset management, insurance products, and transaction banking. The bank also benefits from trading activities and investment income, which contribute to its earnings. Strategic partnerships and collaborations with international financial institutions further enhance its revenue potential by expanding its service offerings and customer base. Cost management and operational efficiency strategies also play a significant role in maximizing profitability.

Intesa Sanpaolo SpA Financial Statement Overview

Summary

Intesa Sanpaolo SpA demonstrates strong revenue and profit growth, supported by efficient cost management and a robust equity position. While the company has eliminated its total debt, enhancing financial stability, significant negative operating cash flows pose a challenge. The banking sector's unique revenue structure and absence of EBITDA data limit some aspects of the analysis.

Income Statement

The company showed strong revenue growth with a 11.55% increase from 2023 to 2024. Gross profit margin is stable at 100% due to banking revenue structure. EBIT margin is robust, increasing from 47.98% in 2023 to 55.19% in 2024, indicating efficient cost management and operational strength. However, the absence of EBITDA data limits the analysis.

Balance Sheet

The company maintains a strong equity base with an equity ratio of 7.20% in 2024, reflecting a healthy balance sheet. The debt-to-equity ratio decreased significantly as total debt was reduced to zero, which enhances financial stability. Return on equity improved to 12.89% in 2024, showcasing effective utilization of equity to generate profits.

Cash Flow

The free cash flow declined sharply by 120.45% from 2023 to 2024, indicating challenges in cash generation. The operating cash flow to net income ratio is negative, primarily due to significant negative operating cash flows, which could signal liquidity issues. However, the previous years showed better cash flow positions, suggesting potential for recovery.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	34.03B	25.83B	23.16B	22.47B	22.40B	19.85B
Gross Profit	26.10B	25.83B	23.16B	22.47B	22.40B	19.85B
EBITDA	13.79B	0.00	0.00	7.76B	6.76B	5.92B
Net Income	8.98B	8.67B	7.72B	4.38B	4.18B	2.15B
Balance Sheet
Total Assets	935.13B	933.28B	963.57B	975.68B	1.07T	1.00T
Cash, Cash Equivalents and Short-Term Investments	81.91B	99.87B	136.97B	144.20B	147.09B	86.77B
Total Debt	106.70B	146.57B	93.71B	96.14B	101.21B	107.15B
Total Liabilities	868.37B	867.96B	899.44B	913.86B	1.00T	936.29B
Stockholders Equity	66.63B	65.18B	63.96B	61.66B	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 SpA Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 5.39
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:ISP, the sentiment is Neutral. The current price of 5.39 is below the 20-day moving average (MA) of 5.39, above the 50-day MA of 5.11, and above the 200-day MA of 4.47, indicating a neutral trend. The MACD of 0.13 indicates Positive momentum. The RSI at 52.88 is Neutral, neither overbought nor oversold. The STOCH value of 49.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IT:ISP.

Intesa Sanpaolo SpA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$17.84B	12.03	10.32%	3.73%	9.70%	0.76%
ISP	61 Neutral	€98.19B	10.86	13.04%	6.33%	-5.85%	15.20%
UNCFF	―	$120.50B	10.76	15.82%	3.43%	―	―
0RLA	―	€17.99B	7.56	16.45%	―	―	―
0MU6	―	€17.52B	8.18	14.64%	―	―	―
0QVF	―	€11.73B	18.35	32.83%	―	―	―
0HBF	―	€16.54B	13.18	11.90%	―	―	―