Intesa Sanpaolo (WBAG:ISP) - Stock Price, News & Analysis

ISP Stock Overview

Provides various financial products and services primarily in Italy. More details

ISP fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	1/6
Past Performance	5/6
Financial Health	2/6
Dividends	5/6

Rewards

Trading at 39% below our estimate of its fair value

Revenue is forecast to grow 1.99% per year

Earnings grew by 21.8% over the past year

Analysts in good agreement that stock price will rise by 26.6%

Risk Analysis

Unstable dividend track record

Intesa Sanpaolo S.p.A. Competitors

Erste Group Bank

WBAG:EBS

€20.7b

BAWAG Group

WBAG:BG

€5.8b

Raiffeisen Bank International

WBAG:RBI

€5.9b

Oberbank

WBAG:OBS

€5.0b

Price History & Performance

Summary of all time highs, changes and price drops for Intesa Sanpaolo
Historical stock prices
Current Share Price	€3.60
52 Week High	€4.10
52 Week Low	€2.60
Beta	1.26
11 Month Change	-7.14%
3 Month Change	-2.34%
1 Year Change	38.53%
33 Year Change	67.89%
5 Year Change	58.96%
Change since IPO	23.19%

Recent updates

Shareholder Returns

	ISP	AT Banks	AT Market
7D	-3.2%	-1.8%	-0.6%
1Y	38.5%	34.0%	2.5%

Return vs Industry: ISP exceeded the Austrian Banks industry which returned 34% over the past year.

Return vs Market: ISP exceeded the Austrian Market which returned 2.5% over the past year.

Price Volatility

Is ISP's price volatile compared to industry and market?
ISP volatility
ISP Average Weekly Movement	2.9%
Banks Industry Average Movement	3.0%
Market Average Movement	3.6%
10% most volatile stocks in AT Market	6.6%
10% least volatile stocks in AT Market	1.8%

Stable Share Price: ISP has not had significant price volatility in the past 3 months compared to the Austrian market.

Volatility Over Time: ISP's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1998	94,440	Carlo Messina	www.intesasanpaolo.com

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; private and commercial banking, corporate and transaction banking, structured finance, investment banking, public finance, and capital markets; industrial credit, leasing, and factoring; asset management; life and non-life insurance and pension products; asset and wealth management; private investments; and bancassurance products.

Intesa Sanpaolo S.p.A. Fundamentals Summary

How do Intesa Sanpaolo's earnings and revenue compare to its market cap?
ISP fundamental statistics
Market cap	€64.61b
Earnings (TTM)	€8.77b
Revenue (TTM)	€24.56b

7.4x

P/E Ratio

1.0x

P/B Ratio

Is ISP overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ISP income statement (TTM)
Revenue	€24.56b
Cost of Revenue	€0
Gross Profit	€24.56b
Other Expenses	€15.79b
Earnings	€8.77b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.49
Gross Margin	100.00%
Net Profit Margin	35.70%
Debt/Equity Ratio	500.5%

How did ISP perform over the long term?

See historical performance and comparison

Dividends

9.4%

Current Dividend Yield

66%

Payout Ratio

ISP Stock Overview

Rewards

Risk Analysis

Intesa Sanpaolo S.p.A. Competitors

WBAG:EBS

€20.7b

WBAG:BG

€5.8b

WBAG:RBI

€5.9b

WBAG:OBS

€5.0b

Price History & Performance

Recent News & Updates

Dividend of €0.17 announced

Intesa Sanpaolo S.P.A. Provides Earnings Guidance for the Years 2024 and 2025

Third quarter 2024 earnings released: EPS: €0.13 (vs €0.10 in 3Q 2023)

Second quarter 2024 earnings released: EPS: €0.14 (vs €0.13 in 2Q 2023)

A group of Buyer completed the acquisition of Performing loan asset of CTBC from CTBC Bank Co., Ltd. for $49.12 million.

Upcoming dividend of €0.15 per share

Recent updates

Dividend of €0.17 announced

Intesa Sanpaolo S.P.A. Provides Earnings Guidance for the Years 2024 and 2025

Third quarter 2024 earnings released: EPS: €0.13 (vs €0.10 in 3Q 2023)

Second quarter 2024 earnings released: EPS: €0.14 (vs €0.13 in 2Q 2023)

A group of Buyer completed the acquisition of Performing loan asset of CTBC from CTBC Bank Co., Ltd. for $49.12 million.

Upcoming dividend of €0.15 per share

New minor risk - Shareholder dilution

First quarter 2024 earnings released: EPS: €0.13 (vs €0.10 in 1Q 2023)

Full year 2023 earnings released: EPS: €0.42 (vs €0.23 in FY 2022)

New major risk - Revenue and earnings growth

New minor risk - Shareholder dilution

Final dividend of €0.15 announced

Full year 2023 earnings released

New major risk - Revenue and earnings growth

Intesa Sanpaolo S.p.A. to Report Q2, 2024 Results on Jul 30, 2024

Upcoming dividend of €0.14 per share at 6.4% yield

Third quarter 2023 earnings released: EPS: €0.10 (vs €0.049 in 3Q 2022)

Intesa Sanpaolo S.p.A. (BIT:ISP) signed a share purchase agreement to acquire 99.98% stake in First Bank S.A. from JCF IV Tiger Holdings S.à r.l..

Intesa Sanpaolo Reportedly Negotiating with Egyptian Government to Buy Remaining 20% Equity Stake in Alexbank

Second quarter 2023 earnings released

Intesa Sanpaolo S.P.A. Launches New Digital Bank Isybank

Upcoming dividend of €0.087 per share at 6.6% yield

Intesa Sanpaolo S.p.A. Provides Earnings Guidance for the Full Year 2023

First quarter 2023 earnings released: EPS: €0.10 (vs €0.05 in 1Q 2022)

Full year 2022 earnings released

Intesa Sanpaolo S.p.A. to Report Fiscal Year 2022 Results on Feb 03, 2023

Intesa Sanpaolo S.p.A. (BIT:ISP) acquired an unknown minority stake in CreditAccess India N.V.

An unknown buyer completed the acquisition of Nexi S.p.A. (BIT : NEXI) from Intesa Sanpaolo S.p.A. (BIT:ISP) for approximately €580 million.

An unknown buyer agreed to acquire a 5.1% stake in Nexi S.p.A. (BIT:NEXI) from Intesa Sanpaolo S.p.A. (BIT:ISP).

An unknown buyer agreed to acquire a 5.1% stake in Nexi S.p.A. (BIT:NEXI) from Intesa Sanpaolo S.p.A. (BIT:ISP).

Intesa Sanpaolo S.p.A. Provides Earnings Guidance for the Year 2022

Now 22% undervalued after recent price drop

Fondazione Banca del Monte di Lombardia agreed to acquire an unknown stake in Acantus S.p.A from Intesa Sanpaolo S.p.A. (BIT:ISP).

Second quarter 2022 earnings released

Now 20% undervalued after recent price drop

Now 21% undervalued after recent price drop

Upcoming dividend of €0.079 per share

First quarter 2022 earnings released: EPS: €0.053 (vs €0.08 in 1Q 2021)

Full year 2021 earnings released: EPS: €0.22 (vs €0.12 in FY 2020)

Investor sentiment deteriorated over the past week

Full year 2021 earnings: Revenues exceed analyst expectations

Intesa Sanpaolo S.p.A. (BIT:ISP) agreed to acquire UBI Leasing S.p.A.

Upcoming dividend of €0.072 per share

Third quarter 2021 earnings released

Upcoming dividend of €0.10 per share

Second quarter 2021 earnings released

Upcoming dividend of €0.036 per share

First quarter 2021 earnings released: EPS €0.076 (vs €0.069 in 1Q 2020)

Full year 2020 earnings released: EPS €0.12 (vs €0.24 in FY 2019)

New 90-day high: €2.15

Full year 2020 earnings released

New 90-day high: €2.06

Intesa Sanpaolo S.p.A. to Report Fiscal Year 2020 Final Results on Mar 23, 2021

New 90-day high: €1.99

Intesa Sanpaolo Signs a Memorandum of Understanding with Kyriba

New 90-day high: €1.88

Banca IFIS S.p.A. (BIT:IF) acquired EUR 553 million Non Performing Loans Portfolio of Intesa Sanpaolo S.p.A.

Market bids up stock over the past week

OHL Concesiones, S.A. completed the acquisition of 55.8% stake in Autostrade Lombarde S.p.A. from Intesa Sanpaolo S.p.A. (BIT:ISP)