Intesa Sanpaolo S.p.A. Logo

Intesa Sanpaolo S.p.A.

ISP.MI

(2.8)
Stock Price

3,80 EUR

0.89% ROA

12.74% ROE

8.28x PER

Market Cap.

69.120.448.703,00 EUR

154.88% DER

7.82% Yield

31.24% NPM

Intesa Sanpaolo S.p.A. Stock Analysis

Intesa Sanpaolo S.p.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Intesa Sanpaolo S.p.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.75x), the stock offers substantial upside potential at a bargain price.

2 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

4 ROE

ROE in an average range (10.03%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.66%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

7 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (14), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 DER

The company has a high debt to equity ratio (197%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

10 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Intesa Sanpaolo S.p.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Intesa Sanpaolo S.p.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Intesa Sanpaolo S.p.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Intesa Sanpaolo S.p.A. Revenue
Year Revenue Growth
2003 9.843.000.000
2004 9.716.000.000 -1.31%
2005 9.563.000.000 -1.6%
2006 10.762.000.000 11.14%
2007 17.461.000.000 38.37%
2008 17.432.000.000 -0.17%
2009 17.796.000.000 2.05%
2010 16.981.000.000 -4.8%
2011 16.736.000.000 -1.46%
2012 18.332.000.000 8.71%
2013 16.736.000.000 -9.54%
2014 17.484.000.000 4.28%
2015 17.937.000.000 2.53%
2016 17.273.000.000 -3.84%
2017 17.660.000.000 2.19%
2018 18.691.000.000 5.52%
2019 18.930.000.000 1.26%
2020 19.848.000.000 4.63%
2021 22.401.000.000 11.4%
2022 22.467.000.000 0.29%
2023 25.856.000.000 13.11%
2023 25.168.000.000 -2.73%
2024 27.440.000.000 8.28%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Intesa Sanpaolo S.p.A. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Intesa Sanpaolo S.p.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 5.434.000.000
2004 2.100.000.000 -158.76%
2005 2.580.000.000 18.6%
2006 1.246.000.000 -107.06%
2007 2.031.000.000 38.65%
2008 2.265.000.000 10.33%
2009 2.105.000.000 -7.6%
2010 2.043.000.000 -3.03%
2011 1.350.000.000 -51.33%
2012 1.802.000.000 25.08%
2013 1.797.000.000 -0.28%
2014 1.761.000.000 -2.04%
2015 2.412.000.000 26.99%
2016 2.323.000.000 -3.83%
2017 2.290.000.000 -1.44%
2018 2.484.000.000 7.81%
2019 2.591.000.000 4.13%
2020 3.200.000.000 19.03%
2021 3.252.000.000 1.6%
2022 3.162.000.000 -2.85%
2023 5.384.000.000 41.27%
2023 2.979.000.000 -80.73%
2024 3.888.000.000 23.38%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Intesa Sanpaolo S.p.A. EBITDA
Year EBITDA Growth
2003 8.052.000.000
2004 7.450.000.000 -8.08%
2005 9.412.000.000 20.85%
2006 10.327.000.000 8.86%
2007 24.418.000.000 57.71%
2008 18.960.000.000 -28.79%
2009 13.022.000.000 -45.6%
2010 11.909.000.000 -9.35%
2011 -693.000.000 1818.47%
2012 12.455.000.000 105.56%
2013 3.869.000.000 -221.92%
2014 10.018.000.000 61.38%
2015 9.948.000.000 -0.7%
2016 9.321.000.000 -6.73%
2017 12.569.000.000 25.84%
2018 9.563.000.000 -31.43%
2019 6.987.000.000 -36.87%
2020 4.754.000.000 -46.97%
2021 6.903.000.000 31.13%
2022 7.693.000.000 10.27%
2023 12.796.000.000 39.88%
2023 1.318.000.000 -870.86%
2024 -196.000.000 772.45%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Intesa Sanpaolo S.p.A. Gross Profit
Year Gross Profit Growth
2003 9.843.000.000
2004 9.716.000.000 -1.31%
2005 9.563.000.000 -1.6%
2006 10.762.000.000 11.14%
2007 17.461.000.000 38.37%
2008 17.432.000.000 -0.17%
2009 17.796.000.000 2.05%
2010 16.981.000.000 -4.8%
2011 16.736.000.000 -1.46%
2012 18.332.000.000 8.71%
2013 16.736.000.000 -9.54%
2014 17.484.000.000 4.28%
2015 17.937.000.000 2.53%
2016 17.273.000.000 -3.84%
2017 17.660.000.000 2.19%
2018 18.717.000.000 5.65%
2019 18.930.000.000 1.13%
2020 19.848.000.000 4.63%
2021 22.401.000.000 11.4%
2022 22.467.000.000 0.29%
2023 25.856.000.000 13.11%
2023 25.168.000.000 -2.73%
2024 27.440.000.000 8.28%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Intesa Sanpaolo S.p.A. Net Profit
Year Net Profit Growth
2003 1.214.000.000
2004 1.990.000.000 38.99%
2005 3.132.000.000 36.46%
2006 2.559.000.000 -22.39%
2007 7.250.000.000 64.7%
2008 2.553.000.000 -183.98%
2009 2.805.000.000 8.98%
2010 2.705.000.000 -3.7%
2011 -8.190.000.000 133.03%
2012 1.605.000.000 610.28%
2013 -4.550.000.000 135.27%
2014 1.251.000.000 463.71%
2015 2.739.000.000 54.33%
2016 3.111.000.000 11.96%
2017 7.316.000.000 57.48%
2018 4.050.000.000 -80.64%
2019 4.182.000.000 3.16%
2020 2.149.000.000 -94.6%
2021 4.185.000.000 48.65%
2022 4.379.000.000 4.43%
2023 7.600.000.000 42.38%
2023 7.724.000.000 1.61%
2024 9.860.000.000 21.66%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Intesa Sanpaolo S.p.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 -1 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Intesa Sanpaolo S.p.A. Free Cashflow
Year Free Cashflow Growth
2003 2.548.000.000
2004 2.150.000.000 -18.51%
2005 -1.173.000.000 283.29%
2006 1.752.000.000 166.95%
2007 4.607.000.000 61.97%
2008 9.438.000.000 51.19%
2009 -4.259.000.000 321.6%
2010 -3.522.000.000 -20.93%
2011 -5.664.000.000 37.82%
2011 -6.188.000.000 8.47%
2012 2.128.000.000 390.79%
2013 2.321.000.000 8.32%
2014 -275.000.000 944%
2015 3.582.000.000 107.68%
2016 -1.031.000.000 447.43%
2017 743.000.000 238.76%
2018 3.713.000.000 79.99%
2019 2.968.000.000 -25.1%
2020 -3.608.000.000 182.26%
2021 6.913.000.000 152.19%
2022 100.428.000.000 93.12%
2023 -18.993.000.000 628.76%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Intesa Sanpaolo S.p.A. Operating Cashflow
Year Operating Cashflow Growth
2003 3.020.000.000
2004 2.307.000.000 -30.91%
2005 -533.000.000 532.83%
2006 2.338.000.000 122.8%
2007 6.222.000.000 62.42%
2008 10.819.000.000 42.49%
2009 -3.550.000.000 404.76%
2010 -2.646.000.000 -34.16%
2011 -5.736.000.000 53.87%
2011 -5.344.000.000 -7.34%
2012 2.963.000.000 280.36%
2013 3.026.000.000 2.08%
2014 228.000.000 -1227.19%
2015 4.574.000.000 95.02%
2016 -384.000.000 1291.15%
2017 2.018.000.000 119.03%
2018 5.623.000.000 64.11%
2019 4.433.000.000 -26.84%
2020 -2.172.000.000 304.1%
2021 8.805.000.000 124.67%
2022 102.276.000.000 91.39%
2023 -17.338.000.000 689.9%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Intesa Sanpaolo S.p.A. Capital Expenditure
Year Capital Expenditure Growth
2003 472.000.000
2004 157.000.000 -200.64%
2005 640.000.000 75.47%
2006 586.000.000 -9.22%
2007 1.615.000.000 63.72%
2008 1.381.000.000 -16.94%
2009 709.000.000 -94.78%
2010 876.000.000 19.06%
2011 -72.000.000 1316.67%
2011 844.000.000 108.53%
2012 835.000.000 -1.08%
2013 705.000.000 -18.44%
2014 503.000.000 -40.16%
2015 992.000.000 49.29%
2016 647.000.000 -53.32%
2017 1.275.000.000 49.25%
2018 1.910.000.000 33.25%
2019 1.465.000.000 -30.38%
2020 1.436.000.000 -2.02%
2021 1.892.000.000 24.1%
2022 1.848.000.000 -2.38%
2023 1.655.000.000 -11.66%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Intesa Sanpaolo S.p.A. Equity
Year Equity Growth
2003 15.799.000.000
2004 16.276.000.000 2.93%
2005 16.705.000.000 2.57%
2006 19.018.000.000 12.16%
2007 52.349.000.000 63.67%
2008 50.054.000.000 -4.59%
2009 53.771.000.000 6.91%
2010 54.600.000.000 1.52%
2011 47.758.000.000 -14.33%
2012 50.199.000.000 4.86%
2013 45.058.000.000 -11.41%
2014 45.062.000.000 0.01%
2015 48.593.000.000 7.27%
2016 49.319.000.000 1.47%
2017 56.604.000.000 12.87%
2018 54.431.000.000 -3.99%
2019 56.215.000.000 3.17%
2020 66.321.000.000 15.24%
2021 64.066.000.000 -3.52%
2022 61.821.000.000 -3.63%
2023 64.675.000.000 4.41%
2023 64.127.000.000 -0.85%
2024 65.400.000.000 1.95%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Intesa Sanpaolo S.p.A. Assets
Year Assets Growth
2003 260.215.000.000
2004 274.598.000.000 5.24%
2005 273.535.000.000 -0.39%
2006 291.781.000.000 6.25%
2007 572.902.000.000 49.07%
2008 636.133.000.000 9.94%
2009 624.844.000.000 -1.81%
2010 658.757.000.000 5.15%
2011 639.221.000.000 -3.06%
2012 673.472.000.000 5.09%
2013 626.283.000.000 -7.53%
2014 646.427.000.000 3.12%
2015 676.496.000.000 4.44%
2016 725.100.000.000 6.7%
2017 796.861.000.000 9.01%
2018 787.721.000.000 -1.16%
2019 816.102.000.000 3.48%
2020 1.002.614.000.000 18.6%
2021 1.069.003.000.000 6.21%
2022 975.683.000.000 -9.56%
2023 947.134.000.000 -3.01%
2023 963.570.000.000 1.71%
2024 934.422.000.000 -3.12%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Intesa Sanpaolo S.p.A. Liabilities
Year Liabilities Growth
2003 244.416.000.000
2004 258.322.000.000 5.38%
2005 256.830.000.000 -0.58%
2006 272.763.000.000 5.84%
2007 520.553.000.000 47.6%
2008 586.079.000.000 11.18%
2009 571.073.000.000 -2.63%
2010 604.157.000.000 5.48%
2011 591.463.000.000 -2.15%
2012 623.273.000.000 5.1%
2013 581.225.000.000 -7.23%
2014 601.365.000.000 3.35%
2015 627.903.000.000 4.23%
2016 675.781.000.000 7.08%
2017 740.257.000.000 8.71%
2018 733.290.000.000 -0.95%
2019 759.887.000.000 3.5%
2020 936.293.000.000 18.84%
2021 1.004.937.000.000 6.83%
2022 913.862.000.000 -9.97%
2023 98.968.000.000 -823.39%
2023 899.443.000.000 89%
2024 869.022.000.000 -3.5%

Intesa Sanpaolo S.p.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1.46
Net Income per Share
0.46
Price to Earning Ratio
8.28x
Price To Sales Ratio
2.61x
POCF Ratio
44.52
PFCF Ratio
44.94
Price to Book Ratio
1.05
EV to Sales
2.04
EV Over EBITDA
15.63
EV to Operating CashFlow
35.1
EV to FreeCashFlow
35.1
Earnings Yield
0.12
FreeCashFlow Yield
0.02
Market Cap
69,12 Bil.
Enterprise Value
53,98 Bil.
Graham Number
6.09
Graham NetNet
-51.12

Income Statement Metrics

Net Income per Share
0.46
Income Quality
0.19
ROE
0.13
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.66
EBT Per Ebit
1.23
Ebit per Revenue
0.38
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.09
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.99
Operating Profit Margin
0.38
Pretax Profit Margin
0.47
Net Profit Margin
0.31

Dividends

Dividend Yield
0.08
Dividend Yield %
7.82
Payout Ratio
0
Dividend Per Share
0.3

Operating Metrics

Operating Cashflow per Share
0.09
Free CashFlow per Share
0.09
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-3,07
Book Value per Share
3,62
Tangible Book Value per Share
3.09
Shareholders Equity per Share
3.61
Interest Debt per Share
6.58
Debt to Equity
1.55
Debt to Assets
0.11
Net Debt to EBITDA
-4.38
Current Ratio
1.19
Tangible Asset Value
55,94 Bil.
Net Current Asset Value
-812,38 Bil.
Invested Capital
36906000000
Working Capital
8,85 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.46

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Intesa Sanpaolo S.p.A. Dividends
Year Dividends Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Intesa Sanpaolo S.p.A. Profile

About Intesa Sanpaolo S.p.A.

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.

CEO
Mr. Carlo Messina
Employee
93.832
Address
Piazza San Carlo, 156
Turin, 10121

Intesa Sanpaolo S.p.A. Executives & BODs

Intesa Sanpaolo S.p.A. Executives & BODs
# Name Age
1 Mr. Luca Bocca
Chief Financial Officer
70
2 Dr. Nicola Maria Fioravanti
Chief Governance, Operating & Transformation Officer
70
3 Mr. Massimo Proverbio
Chief Data, A.I & Technology Officer
70
4 Fabrizio Dabbene
Head of Administration & Tax Department and Manager
70
5 Mr. Andrea Tamagnini
Head of Investor Relations
70
6 Mr. Piero Franco Maria Boccassino
Chief Compliance Officer
70
7 Mr. Flavio Gianetti
Chief Equity, Legal and M&A Officer
70
8 Mr. Stefano Lucchini
Chief Institutional Affairs & External Communication Officer
70
9 Dr. Roberto Cascella
Chief People & Culture Officer
70
10 Mr. Carlo Messina
MD, Chief Executive Officer, GM & Executive Director
70

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