ISP Stock Overview
Intesa Sanpaolo S.p.A. provides various financial products and services primarily in Italy.
Intesa Sanpaolo Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€1.90|
|52 Week High||€2.92|
|52 Week Low||€1.68|
|1 Month Change||-7.25%|
|3 Month Change||-11.03%|
|1 Year Change||-19.43%|
|3 Year Change||0.72%|
|5 Year Change||-33.38%|
|Change since IPO||11.16%|
Recent News & Updates
|ISP||IT Banks||IT Market|
Return vs Industry: ISP underperformed the Italian Banks industry which returned -13.6% over the past year.
Return vs Market: ISP underperformed the Italian Market which returned -15.1% over the past year.
|ISP Average Weekly Movement||4.5%|
|Banks Industry Average Movement||4.8%|
|Market Average Movement||5.1%|
|10% most volatile stocks in IT Market||7.2%|
|10% least volatile stocks in IT Market||3.3%|
Stable Share Price: ISP is not significantly more volatile than the rest of Italian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: ISP's weekly volatility (5%) has been stable over the past year.
About the Company
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.
Intesa Sanpaolo Fundamentals Summary
|ISP fundamental statistics|
Is ISP overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ISP income statement (TTM)|
|Cost of Revenue||€0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Jul 29, 2022
|Earnings per share (EPS)||0.19|
|Net Profit Margin||21.16%|
How did ISP perform over the long term?See historical performance and comparison
9.0%Current Dividend Yield
Is ISP undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for ISP?
Other financial metrics that can be useful for relative valuation.
|What is ISP's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does ISP's PE Ratio compare to its peers?
|ISP PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
MB Mediobanca Banca di Credito Finanziario
FBK FinecoBank Banca Fineco
BAMI Banco BPM
ISP Intesa Sanpaolo
Price-To-Earnings vs Peers: ISP is good value based on its Price-To-Earnings Ratio (10x) compared to the peer average (14x).
Price to Earnings Ratio vs Industry
How does ISP's PE Ratio compare vs other companies in the European Banks Industry?
Price-To-Earnings vs Industry: ISP is expensive based on its Price-To-Earnings Ratio (10x) compared to the Italian Banks industry average (6.5x)
Price to Earnings Ratio vs Fair Ratio
What is ISP's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||10x|
|Fair PE Ratio||13x|
Price-To-Earnings vs Fair Ratio: ISP is good value based on its Price-To-Earnings Ratio (10x) compared to the estimated Fair Price-To-Earnings Ratio (13x).
Share Price vs Fair Value
What is the Fair Price of ISP when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: ISP (€1.9) is trading above our estimate of fair value (€1.77)
Significantly Below Fair Value: ISP is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: ISP is good value based on its PEG Ratio (0.6x)
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How is Intesa Sanpaolo forecast to perform in the next 1 to 3 years based on estimates from 18 analysts?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ISP's forecast earnings growth (15.9% per year) is above the savings rate (1.7%).
Earnings vs Market: ISP's earnings (15.9% per year) are forecast to grow faster than the Italian market (10.1% per year).
High Growth Earnings: ISP's earnings are forecast to grow, but not significantly.
Revenue vs Market: ISP's revenue (3.8% per year) is forecast to grow faster than the Italian market (0.3% per year).
High Growth Revenue: ISP's revenue (3.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ISP's Return on Equity is forecast to be low in 3 years time (10.1%).
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How has Intesa Sanpaolo performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ISP has high quality earnings.
Growing Profit Margin: ISP's current net profit margins (21.2%) are higher than last year (16.1%).
Past Earnings Growth Analysis
Earnings Trend: ISP's earnings have declined by 12.3% per year over the past 5 years.
Accelerating Growth: ISP's earnings growth over the past year (46.1%) exceeds its 5-year average (-12.3% per year).
Earnings vs Industry: ISP earnings growth over the past year (46.1%) exceeded the Banks industry 35.8%.
Return on Equity
High ROE: ISP's Return on Equity (5.4%) is considered low.
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How is Intesa Sanpaolo's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: ISP's Assets to Equity ratio (16.5x) is moderate.
Allowance for Bad Loans: ISP has a low allowance for bad loans (70%).
Low Risk Liabilities: 53% of ISP's liabilities are made up of primarily low risk sources of funding.
Loan Level: ISP has an appropriate level of Loans to Assets ratio (46%).
Low Risk Deposits: ISP's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: ISP has a high level of bad loans (2.9%).
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What is Intesa Sanpaolo current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: ISP's dividend (9.04%) is higher than the bottom 25% of dividend payers in the Italian market (1.73%).
High Dividend: ISP's dividend (9.04%) is in the top 25% of dividend payers in the Italian market (5.18%)
Stability and Growth of Payments
Stable Dividend: ISP's dividend payments have been volatile in the past 10 years.
Growing Dividend: ISP's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its high payout ratio (111%), ISP's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: ISP's dividends in 3 years are forecast to be covered by earnings (72.1% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Carlo Messina (59 yo)
Mr. Carlo Messina is Managing Director and Chief Executive Officer of Intesa Sanpaolo SpA since September 2013 and serves as its General Manager. A graduate of Economics and Business from the Luiss Univers...
CEO Compensation Analysis
Compensation vs Market: Carlo's total compensation ($USD3.50M) is about average for companies of similar size in the Italian market ($USD3.53M).
Compensation vs Earnings: Carlo's compensation has been consistent with company performance over the past year.
Experienced Management: ISP's management team is seasoned and experienced (6.9 years average tenure).
Experienced Board: ISP's board of directors are considered experienced (6.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Intesa Sanpaolo S.p.A.'s employee growth, exchange listings and data sources
- Name: Intesa Sanpaolo S.p.A.
- Ticker: ISP
- Exchange: BIT
- Founded: NaN
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: €36.732b
- Shares outstanding: 19.40b
- Website: https://www.intesasanpaolo.com
Number of Employees
- Intesa Sanpaolo S.p.A.
- Piazza San Carlo, 156
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/28 00:00|
|End of Day Share Price||2022/06/28 00:00|
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 here.