Intesa Sanpaolo S.p.A.

Informe acción BIT:ISP

Capitalización de mercado: €121.2b

Intesa Sanpaolo Crecimiento futuro

Future controles de criterios 1/6

Se prevé un crecimiento anual de los beneficios y los ingresos de Intesa Sanpaolo de 6.3% y 4.8% por año respectivamente. Se prevé que el BPA crezca en un 7.9% al año. Se espera que la rentabilidad financiera sea de 17.9% en 3 años.

Información clave

6.3%

Tasa de crecimiento de los beneficios

7.90%

Tasa de crecimiento del BPA

Crecimiento de los beneficios de Banks7.7%
Tasa de crecimiento de los ingresos4.8%
Rentabilidad financiera futura17.91%
Cobertura de analistas

Good

Última actualización12 Aug 2026

Actualizaciones recientes sobre el crecimiento futuro

Recent updates

Actualización de narrativa • Aug 01

ISP: Record Earnings And 2026 Guidance Will Test New P/E Framework

Intesa Sanpaolo’s analyst price target is updated from €6.89 to €7.05, supported by recent Street research in which analysts highlight adjusted discount rate assumptions, a slightly different revenue growth outlook, firmer profit margin expectations, and a revised future P/E of 12.89x as key drivers of their valuation work. Analyst Commentary Recent Street research on Intesa Sanpaolo points to a mix of optimism and caution around the updated valuation work, with different firms adjusting price targets and ratings in light of their views on execution and earnings resilience.
Actualización de narrativa • Jul 16

ISP: Cloud Overhaul And 2026 Earnings Framework Will Shape Future Upside

Analysts have nudged their price target for Intesa Sanpaolo higher, with a move from about €6.75 to roughly €6.89, supported by updated assumptions on fair value, discount rate, revenue growth, profit margins and future P/E, alongside recent Street research including a price target increase to €7.10. Analyst Commentary Recent Street research on Intesa Sanpaolo points to a mix of optimism around valuation and execution, alongside some caution on how the bank will deliver against expectations embedded in updated price targets.
Actualización de narrativa • Jun 10

ISP: 2026 Earnings Power Will Depend On Monte Dei Paschi Bid Execution

Analysts have nudged their average price target for Intesa Sanpaolo slightly higher, with recent Street research pointing to a move from about €6.73 to roughly €6.75 as firms fine tune assumptions on fair value, discount rates, growth and future price-to-earnings ratios. Analyst Commentary Recent research on Intesa Sanpaolo shows a mix of optimism and caution, with several firms adjusting price targets and ratings in different directions.
Actualización de narrativa • May 26

ISP: 2026 Earnings Power Will Rely On Fees Insurance And Cost Discipline

Analysts have nudged the fair value estimate for Intesa Sanpaolo higher to €6.73 from €6.61, reflecting updated assumptions on discount rates, profitability and future P/E in the wake of recent price target changes. These include JPMorgan lifting its target to €7.10, while Morgan Stanley trims its own to €6.80.
Actualización de narrativa • May 03

ISP: 2026 Earnings Power Will Rely On Fees Insurance And Cost Discipline

The analyst fair value estimate for Intesa Sanpaolo has inched higher to about €6.61 per share, a marginal move that reflects modest tweaks to assumptions on discount rate, revenue growth, profit margin, and future P/E after recent price target changes and rating upgrades across the Street. Analyst Commentary Bullish Takeaways Bullish analysts are comfortable lifting price targets into the €6.80 range or higher, which supports the view that recent earnings assumptions and capital return expectations can justify a P/E closer to peers.
Actualización de narrativa • Apr 19

ISP: 2026 Fee And Insurance Income Will Support Earnings Power

Analysts have trimmed their fair value estimate for Intesa Sanpaolo slightly, with the implied price target easing by about €0.05 as updated assumptions for discount rate, revenue growth, profit margin and future P/E are incorporated into their models, while recent Street research shows a mix of target cuts and upgrades across major banks. Analyst Commentary Recent Street research on Intesa Sanpaolo shows both upward and downward adjustments to price targets, reflecting different views on how the current valuation lines up with execution and growth expectations.
Actualización de narrativa • Apr 04

ISP: Fee And Insurance Strength Will Support Medium Term Earnings Upside

Analysts have nudged the fair value estimate for Intesa Sanpaolo from €6.43 to €6.65, reflecting updated views on revenue growth, profit margins and future P/E expectations after a series of recent price target raises and upgrades from major firms. Analyst Commentary Recent Street research on Intesa Sanpaolo has centered on higher price targets and upgrades, which feed directly into the updated fair value estimate.
Actualización de narrativa • Feb 02

ISP: Higher Earnings Multiple And Fair Value View Will Shape Medium Term Upside

Analysts have lifted their fair value estimate for Intesa Sanpaolo to €6.43 from €6.33, citing updated price targets in the €6.80 to €6.90 range, slightly adjusted discount rates, refined revenue growth assumptions, and a modestly higher future P/E multiple. Analyst Commentary Recent Street research has focused on higher price targets for Intesa Sanpaolo, with JPMorgan and other bullish analysts revisiting their assumptions on earnings power and valuation multiples.
Actualización de narrativa • Jan 19

ISP: Higher Earnings Multiple Assumptions Will Support Earnings Visibility And Balanced Risk Profile

Analysts have nudged their fair value estimate for Intesa Sanpaolo higher to €6.33 from €6.20, reflecting recent upward price target revisions to €6.80 and €6.90, as well as updated assumptions around discount rate, revenue growth, profit margin and future P/E. Analyst Commentary Recent Street research has leaned more positive on Intesa Sanpaolo, with higher price targets feeding into the updated fair value estimate of €6.33.
Actualización de narrativa • Jan 04

ISP: Incremental Actions Will Sustain Earnings Visibility And Balanced Risk Reward Profile

Analysts have nudged their average price target on Intesa Sanpaolo slightly higher to approximately EUR 6.20, reflecting broadly unchanged assumptions on revenue growth, profit margins, and discount rates, and a view that incremental, controllable actions can sustain the bank's leading profitability without the need for revolutionary change. Analyst Commentary Analyst sentiment on Intesa Sanpaolo remains broadly constructive, with most commentators highlighting the bank's solid earnings profile and scope for steady value creation, even as some trim valuation assumptions at the margin.
Actualización de narrativa • Dec 14

ISP: Incremental Actions And Earnings Visibility Will Sustain Balanced Risk And Reward

Analysts have nudged their price target on Intesa Sanpaolo slightly higher, to about EUR 6.18 from EUR 6.17. This reflects a modestly lower discount rate and stable growth and profitability expectations, supported by recent research that highlights room for incremental improvements without requiring major strategic shifts.
Actualización de narrativa • Nov 28

ISP: Incremental Improvements And Efficiency Will Sustain Balanced Risk And Opportunity Ahead

Intesa Sanpaolo's analyst price target has increased slightly from €6.16 to €6.17, as analysts cite steady profitability drivers and manageable growth expectations which underpin their outlook. Analyst Commentary Recent research coverage of Intesa Sanpaolo highlights a blend of optimism and caution among analysts covering the stock.
Actualización de narrativa • Nov 14

ISP: Incremental Improvements And Efficiency Will Help Maintain Stable Earnings Outlook

Analysts have raised their fair value estimate for Intesa Sanpaolo from €6.08 to €6.16, citing improved revenue growth forecasts and sustained profit margins as key factors supporting a higher price target. Analyst Commentary Recent street research reflects a dynamic range of perspectives on Intesa Sanpaolo's prospects, with price targets and ratings moving in both directions based on evolving views of profitability, growth, and execution capability.
Actualización de narrativa • Oct 30

ISP: Measured Upside Expected As Shareholder Returns And Momentum Weigh Against Limited Surprises

Intesa Sanpaolo's analyst fair value target has risen modestly from €5.95 to €6.08. This reflects analysts’ confidence in improved revenue growth expectations and sustained profitability drivers.
Actualización de narrativa • Oct 16

Digital Transformation, ESG, And European Integration Will Drive Future Opportunity

Intesa Sanpaolo's analyst price target has been modestly increased from €5.88 to €5.95. This reflects analysts' expectations for improved profitability and stronger revenue growth in the near term.
Actualización de narrativa • Sep 04

Digital Transformation, ESG, And European Integration Will Drive Future Opportunity

Analysts maintain a positive outlook on Intesa Sanpaolo driven by resilient profitability, strong capital management, and sustained operating performance, resulting in no change to the consensus price target, which remains at €5.88. Analyst Commentary Bullish analysts attribute the price target increases to improved earnings visibility and resilient profitability.
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Nueva narrativa • Nov 07

Technological Investment To Boost Bank Efficiency But Macro Uncertainties Loom Large

Intesa Sanpaolo's investment in technology and workforce restructuring aims to enhance efficiency, net margins, and overall earnings.

Previsiones de crecimiento de beneficios e ingresos

BIT:ISP - Estimaciones futuras de los analistas y datos financieros pasados (EUR Millions)
FechaIngresosBeneficiosFlujo de caja libreFlujo de caja operativoNúm. de analistas medio
12/31/202830,83511,614N/AN/A15
12/31/202729,87910,992N/AN/A15
12/31/202628,88010,244N/AN/A15
6/30/202626,1319,6592,2263,779N/A
3/31/202625,7069,467N/AN/AN/A
12/31/202525,3189,3216,5858,235N/A
9/30/202525,1009,087N/AN/AN/A
6/30/202525,2999,116-5,523-3,809N/A
3/31/202525,4318,980N/AN/AN/A
12/31/202425,3768,666-41,852-40,187N/A
9/30/202424,9738,769N/AN/AN/A
6/30/202424,7048,268-19,600-18,112N/A
3/31/202423,7718,069N/AN/AN/A
12/31/202323,1577,724-18,920-17,338N/A
9/30/202322,2957,198N/AN/AN/A
6/30/202320,5666,25567,46069,443N/A
3/31/202319,2135,292N/AN/AN/A
12/31/202218,0044,379100,431102,276N/A
9/30/202217,3033,482N/AN/AN/A
6/30/202217,4173,5086,2488,501N/A
3/31/202217,3423,712N/AN/AN/A
12/31/202118,1174,1856,9318,805N/A
9/30/202117,826907N/AN/AN/A
6/30/202117,0713,7343,9915,426N/A
3/31/202115,6542,527N/AN/AN/A
12/31/202014,3142,141-3,160-1,729N/A
9/30/202014,8906,094N/AN/AN/A
6/30/202014,9763,312-810355N/A
3/31/202016,0304,212N/AN/AN/A
12/31/201915,8274,118N/A4,433N/A
9/30/201915,4844,254N/AN/AN/A
6/30/201915,2104,059N/A4,185N/A
3/31/201914,9563,787N/AN/AN/A
12/31/201815,4404,002N/A5,623N/A
9/30/201815,2644,440N/AN/AN/A
6/30/201814,7634,257N/A3,900N/A
3/31/201814,6807,666N/AN/AN/A
12/31/201713,6557,316N/A2,086N/A
9/30/201713,3455,798N/AN/AN/A
6/30/201713,3215,761N/A-20,445N/A
3/31/201713,1362,232N/AN/AN/A
12/31/201613,3042,124N/A-36,985N/A
9/30/201613,4262,212N/AN/AN/A
6/30/201613,3852,306N/A-26,278N/A
3/31/201613,6632,408N/AN/AN/A
12/31/201514,2412,679N/A-20,009N/A
9/30/201514,1652,729N/AN/AN/A

Previsiones de crecimiento futuro de los analistas

Ingresos vs. Tasa de ahorro: El pronóstico de crecimiento de los beneficios (6.3% al año) de ISP es superior a la tasa de ahorro (3.4%).

Beneficios vs. Mercado: Se prevé que los beneficios (6.3% al año) de ISP crezcan menos que el mercado Italian (10.3% al año).

Beneficios de alto crecimiento: Se prevé que los beneficios de ISP crezcan, pero no significativamente.

Ingresos vs. Mercado: Se prevé que los ingresos (4.8% al año) de ISP crezcan más despacio que el mercado de Italian (6% al año).

Ingresos de alto crecimiento: Se prevé que los ingresos 4.8% al año) de ISP crezcan más despacio que 20% al año.

Previsiones de crecimiento de los beneficios por acción

Rentabilidad financiera futura

ROE futura: Se prevé que la rentabilidad financiera de ISP sea baja dentro de 3 años (17.9%).

Descubre empresas en crecimiento

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Análisis de la empresa y estado de los datos financieros

DatosÚltima actualización (huso horario UTC)
Análisis de la empresa2026/08/16 14:47
Precio de las acciones al final del día2026/08/14 00:00
Beneficios2026/06/30
Ingresos anuales2025/12/31

Fuentes de datos

Los datos utilizados en nuestro análisis de empresas proceden de S&P Global Market Intelligence LLC. Los siguientes datos se utilizan en nuestro modelo de análisis para generar este informe. Los datos están normalizados, lo que puede introducir un retraso desde que la fuente está disponible.

PaqueteDatosMarco temporalEjemplo Fuente EE.UU. *
Finanzas de la empresa10 años
  • Cuenta de resultados
  • Estado de tesorería
  • Balance
Estimaciones del consenso de analistas+3 años
  • Previsiones financieras
  • Objetivos de precios de los analistas
Precios de mercado30 años
  • Precios de las acciones
  • Dividendos, escisiones y acciones
Propiedad10 años
  • Accionistas principales
  • Información privilegiada
Gestión10 años
  • Equipo directivo
  • Consejo de Administración
Principales avances10 años
  • Anuncios de empresas

* Ejemplo para valores de EE.UU., para no EE.UU. se utilizan formularios y fuentes normativas equivalentes.

A menos que se especifique lo contrario, todos los datos financieros se basan en un periodo anual, pero se actualizan trimestralmente. Esto se conoce como datos de los últimos doce meses (TTM) o de los últimos doce meses (LTM). Más información.

Modelo de análisis y copo de nieve

Los detalles del modelo de análisis utilizado para generar este informe están disponibles en nuestra página de Github, también tenemos guías sobre cómo utilizar nuestros informes y tutoriales en Youtube.

Conozca al equipo de talla mundial que diseñó y construyó el modelo de análisis Simply Wall St.

Métricas industriales y sectoriales

Simply Wall St calcula cada 6 horas nuestras métricas sectoriales y de sección. Los detalles de nuestro proceso están disponibles en Github.

Fuentes analistas

Intesa Sanpaolo S.p.A. está cubierta por 37 analistas. 15 de esos analistas presentaron las estimaciones de ingresos o ganancias utilizadas como datos para nuestro informe. Las estimaciones de los analistas se actualizan a lo largo del día.

AnalistaInstitución
Irene RossettoBanca Akros S.p.A. (ESN)
Javier Esteban LarioBanco de Sabadell. S.A.
Juan Lopez CoboBanco Santander