Intesa Sanpaolo SpA (IT:ISP)
:ISP
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Intesa Sanpaolo SpA
(ISP)
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Rating:76Outperform
Price Target:
€7.00
▲(31.58% Upside)
Action:UpgradedDate:11/18/25
Intesa Sanpaolo SpA's overall stock score is driven by strong financial performance, particularly in revenue and profit growth, and a robust equity position. The technical analysis indicates a positive market trend, supported by bullish momentum. The valuation is attractive with a reasonable P/E ratio and high dividend yield, making it appealing for income-focused investors. The absence of earnings call and corporate events data did not impact the score.
Positive Factors
Balance sheet strength
Elimination of total debt and a 7.20% equity ratio materially improve capital resilience and regulatory headroom. Strong ROE (12.89%) shows effective equity deployment, supporting lending capacity, dividend policy and shock absorption over the medium term.
Negative Factors
Weak cash generation
Sharply declining free cash flow and negative operating cash flow versus reported income signal weak cash conversion. Persistent cash generation issues constrain capital returns, increase reliance on balance sheet management, and can pressure liquidity through economic cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance sheet strength
Elimination of total debt and a 7.20% equity ratio materially improve capital resilience and regulatory headroom. Strong ROE (12.89%) shows effective equity deployment, supporting lending capacity, dividend policy and shock absorption over the medium term.
Read all positive factors
Intesa Sanpaolo SpA (ISP) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€92.43B
Dividend Yield6.08%
Average Volume (3M)47.52M
Price to Earnings (P/E)10.7
Beta (1Y)1.26
Revenue Growth-10.70%
EPS Growth7.46%
CountryIT
Employees91,825
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.10
Shares Outstanding17,413,389,000
10 Day Avg. Volume46,484,743
30 Day Avg. Volume47,522,660
Financial Highlights & Ratios
PEG Ratio0.85
Price to Book (P/B)1.61
Price to Sales (P/S)3.88
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€6.86Price Target Upside28.95% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering10
EPS Forecast (FY)0.57
Revenue Forecast (FY)€28.17B
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...
How the Company Makes Money
Intesa Sanpaolo generates revenue primarily through interest income from loans and mortgages provided to consumers and businesses. Additionally, the bank earns fees and commissions from various services, including asset management, investment serv...
Intesa Sanpaolo SpA Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
75
Positive
Cash Flow
68
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 27.11B | 44.81B | 41.01B | 25.44B | 24.38B |
| Gross Profit | 25.37B | 28.29B | 25.42B | 21.57B | 21.90B |
| EBITDA | 13.46B | 13.77B | 12.40B | 7.76B | 6.77B |
| Net Income | 9.86B | 8.67B | 7.72B | 4.38B | 4.18B |
Balance Sheet | |||||
| Total Assets | 959.89B | 933.28B | 963.57B | 974.59B | 1.07T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 51.38B | 98.83B | 122.09B | 145.84B |
| Total Debt | 58.82B | 146.57B | 142.13B | 98.45B | 101.22B |
| Total Liabilities | 894.51B | 867.96B | 899.44B | 913.32B | 1.00T |
| Stockholders Equity | 65.23B | 65.18B | 63.96B | 61.10B | 63.77B |
Cash Flow | |||||
| Free Cash Flow | 0.00 | -41.86B | -18.99B | 100.43B | 6.91B |
| Operating Cash Flow | 0.00 | -40.19B | -17.34B | 102.28B | 8.80B |
| Investing Cash Flow | 0.00 | -1.25B | -588.00M | -538.00M | -2.23B |
| Financing Cash Flow | 0.00 | -7.19B | -5.59B | -3.52B | -5.59B |
Intesa Sanpaolo SpA Technical Analysis
Neutral
5.32
Price Trends
5.56
Negative
5.65
Negative
5.39
Negative
Market Momentum
-0.09
Negative
50.75
Neutral
83.99
Negative
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 5.32 is above the 20-day moving average (MA) of 5.18, below the 50-day MA of 5.56, and below the 200-day MA of 5.39, indicating a neutral trend. The MACD of -0.09 indicates Negative momentum. The RSI at 50.75 is Neutral, neither overbought nor oversold. The STOCH value of 83.99 is Negative, 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | €22.29B | 12.53 | 13.48% | 6.09% | 5.23% | 3.54% | |
76 Outperform | €92.43B | 10.67 | 14.41% | 6.08% | -10.70% | 7.46% | |
68 Neutral | €22.47B | 2.42 | 19.13% | 9.69% | -5.31% | -35.03% | |
66 Neutral | €18.21B | 5.75 | 18.92% | 8.25% | 2.23% | 72.08% | |
65 Neutral | €94.49B | 10.29 | 16.32% | 4.15% | 26.99% | 10.44% | |
62 Neutral | €13.34B | 12.07 | 11.91% | 6.61% | -0.72% | 6.52% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:ISP
Intesa Sanpaolo SpA
5.32
1.68
46.14%
IT:UCG
UniCredit SpA
62.66
22.21
54.92%
IT:BMPS
Banca Monte dei Paschi di Siena SPA
7.40
2.09
39.34%
IT:BAMI
Banco BPM S.p.A.
12.05
4.78
65.82%
IT:BPE
BPER Banca S.p.A.
11.35
5.99
111.87%
IT:MB
Mediobanca Banca di Credito Finanziario S.p.A.
16.54
3.27
24.66%
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.