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Intesa Sanpaolo SpA (IT:ISP)
:ISP

Intesa Sanpaolo SpA (ISP) AI Stock Analysis

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IT

Intesa Sanpaolo SpA

(LSE:ISP)

Rating:61Neutral
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 (ISP) vs. iShares MSCI Italy ETF (EWI)

Intesa Sanpaolo SpA 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 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
Income Statement
Balance Sheet
Cash Flow
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
25.83B23.16B22.47B22.40B19.85B
Gross Profit
25.83B25.17B22.47B22.40B19.85B
EBIT
14.26B11.11B6.02B5.32B3.34B
EBITDA
0.000.007.76B6.76B5.92B
Net Income Common Stockholders
8.67B7.72B4.38B4.18B2.15B
Balance SheetCash, Cash Equivalents and Short-Term Investments
0.0089.27B144.20B147.09B86.77B
Total Assets
0.00963.57B975.68B1.07T1.00T
Total Debt
0.0093.71B96.14B101.21B107.15B
Net Debt
0.00-100.69B-27.71B-45.88B20.39B
Total Liabilities
-67.23B899.44B913.86B1.00T936.29B
Stockholders Equity
67.23B63.96B61.66B63.77B65.87B
Cash FlowFree Cash Flow
0.00-18.99B100.43B6.91B-3.61B
Operating Cash Flow
0.00-17.34B102.28B8.80B-2.17B
Investing Cash Flow
0.00-588.00M-538.00M-2.23B-357.00M
Financing Cash Flow
0.00-5.59B-3.52B-5.59B2.68B

Intesa Sanpaolo SpA Technical Analysis

Technical Analysis Sentiment
Positive
Last Price4.87
Price Trends
50DMA
4.55
Positive
100DMA
4.43
Positive
200DMA
4.00
Positive
Market Momentum
MACD
0.10
Positive
RSI
61.95
Neutral
STOCH
79.73
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:ISP, the sentiment is Positive. The current price of 4.87 is above the 20-day moving average (MA) of 4.81, above the 50-day MA of 4.55, and above the 200-day MA of 4.00, indicating a bullish trend. The MACD of 0.10 indicates Positive momentum. The RSI at 61.95 is Neutral, neither overbought nor oversold. The STOCH value of 79.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:ISP.

Intesa Sanpaolo SpA Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
64
Neutral
$12.80B9.717.59%16985.66%12.07%-7.53%
ITISP
61
Neutral
€86.88B9.8213.56%6.97%6.32%17.08%
$97.66B10.0514.91%3.95%
€15.37B7.9713.41%9.83%
€10.97B7.8713.24%7.77%
€11.61B17.7728.46%3.90%
€16.38B12.5311.91%5.57%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IT:ISP
Intesa Sanpaolo SpA
4.87
1.60
48.78%
UNCFF
UniCredit SpA
66.03
29.10
78.80%
GB:0RLA
Banco BPM S.p.A.
10.14
4.49
79.47%
GB:0MU6
BPER Banca S.p.A.
7.67
3.27
74.32%
GB:0QVF
FinecoBank SpA
18.99
5.13
37.01%
GB:0HBF
Mediobanca Banca di Credito Finanziario S.p.A.
19.56
6.14
45.75%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.