Intesa Sanpaolo (ISP) Stock Overview
Engages in the provision of various financial products and services in Italy, Central/Eastern Europe, the Middle East, and North Africa. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 1/6 |
| Past Performance | 4/6 |
| Financial Health | 5/6 |
| Dividends | 5/6 |
ISP Community Fair Values
Create NarrativeSee what 118 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Intesa Sanpaolo S.p.A. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €5.72 |
| 52 Week High | €6.16 |
| 52 Week Low | €4.59 |
| Beta | 0.82 |
| 1 Month Change | 12.11% |
| 3 Month Change | -2.02% |
| 1 Year Change | 22.21% |
| 3 Year Change | 141.54% |
| 5 Year Change | 144.43% |
| Change since IPO | 235.01% |
Recent News & Updates
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.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.Recent updates
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.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.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.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.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.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.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.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.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.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.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.
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.Shareholder Returns
| ISP | IT Banks | IT Market | |
|---|---|---|---|
| 7D | -0.09% | 0.1% | -0.7% |
| 1Y | 22.2% | 27.0% | 22.5% |
Return vs Industry: ISP underperformed the Italian Banks industry which returned 27% over the past year.
Return vs Market: ISP matched the Italian Market which returned 22.5% over the past year.
Price Volatility
| ISP volatility | |
|---|---|
| ISP Average Weekly Movement | 4.4% |
| Banks Industry Average Movement | 5.0% |
| Market Average Movement | 5.1% |
| 10% most volatile stocks in IT Market | 8.2% |
| 10% least volatile stocks in IT Market | 3.0% |
Stable Share Price: ISP has not had significant price volatility in the past 3 months compared to the Italian market.
Volatility Over Time: ISP's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| n/a | 88,072 | Carlo Messina | www.intesasanpaolo.com |
Intesa Sanpaolo S.p.A. engages in the provision of various financial products and services in Italy, Central/Eastern Europe, the Middle East, and North Africa. It operates through six segments: Banca dei Territori, IMI Corporate & Investment Banking, International 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 market services; life and non-life insurance and pension products; asset and wealth management services; private investments; and bancassurance products.
Intesa Sanpaolo S.p.A. Fundamentals Summary
| ISP fundamental statistics | |
|---|---|
| Market cap | €99.49b |
| Earnings (TTM) | €9.32b |
| Revenue (TTM) | €25.32b |
Is ISP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ISP income statement (TTM) | |
|---|---|
| Revenue | €25.32b |
| Cost of Revenue | €0 |
| Gross Profit | €25.32b |
| Other Expenses | €16.00b |
| Earnings | €9.32b |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
May 08, 2026
| Earnings per share (EPS) | 0.54 |
| Gross Margin | 100.00% |
| Net Profit Margin | 36.82% |
| Debt/Equity Ratio | 380.9% |
How did ISP perform over the long term?
See historical performance and comparisonDividends
Does ISP pay a reliable dividends?
See ISP dividend history and benchmarks| Intesa Sanpaolo dividend dates | |
|---|---|
| Ex Dividend Date | May 18 2026 |
| Dividend Pay Date | May 20 2026 |
| Days until Ex dividend | 17 days |
| Days until Dividend pay date | 19 days |
Does ISP pay a reliable dividends?
See ISP dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/04/29 10:57 |
| End of Day Share Price | 2026/04/29 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Intesa Sanpaolo S.p.A. is covered by 39 analysts. 17 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Irene Rossetto | Banca Akros S.p.A. (ESN) |
| Javier Esteban Lario | Banco de Sabadell. S.A. |
| null null | Banco de Sabadell. S.A. |