Intesa Sanpaolo Past Earnings Performance

Past criteria checks 5/6

Intesa Sanpaolo has been growing earnings at an average annual rate of 20.2%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 10.6% per year. Intesa Sanpaolo's return on equity is 13.1%, and it has net margins of 35.7%.

Key information

20.2%

Earnings growth rate

19.4%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	10.6%
Return on equity	13.1%
Net Margin	35.7%
Next Earnings Update	04 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Intesa Sanpaolo makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:IITS.F Revenue, expenses and earnings (EUR Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	24,561	8,769	11,793
30 Jun 24	24,297	8,268	12,122
31 Mar 24	23,748	8,069	12,123
31 Dec 23	23,157	7,724	12,045
30 Sep 23	22,295	7,198	11,847
30 Jun 23	20,566	6,255	11,583
31 Mar 23	19,213	5,292	11,689
31 Dec 22	18,004	4,379	11,680
30 Sep 22	17,303	3,482	11,665
30 Jun 22	17,417	3,508	11,793
31 Mar 22	17,342	3,712	11,968
31 Dec 21	18,117	4,185	12,146
30 Sep 21	17,826	907	12,160
30 Jun 21	17,071	3,734	12,060
31 Mar 21	15,654	2,527	11,594
31 Dec 20	14,314	2,141	11,037
30 Sep 20	14,890	6,094	10,437
30 Jun 20	14,976	3,312	10,035
31 Mar 20	16,030	4,212	10,094
31 Dec 19	15,827	4,118	10,099
30 Sep 19	15,504	4,254	10,116
30 Jun 19	15,210	4,059	10,094
31 Mar 19	14,956	3,787	10,144
31 Dec 18	15,440	4,002	10,199
30 Sep 18	15,244	4,440	10,314
30 Jun 18	14,763	4,257	10,340
31 Mar 18	14,680	7,666	10,136
31 Dec 17	13,655	7,316	9,879
30 Sep 17	13,345	5,798	9,875
30 Jun 17	13,321	5,761	9,644
31 Mar 17	13,136	2,232	9,640
31 Dec 16	13,304	2,124	9,639
30 Sep 16	13,426	2,212	9,908
30 Jun 16	13,385	2,306	9,742
31 Mar 16	13,663	2,408	9,704
31 Dec 15	14,241	2,679	9,690
30 Sep 15	14,165	2,729	9,217
30 Jun 15	13,886	2,505	9,262
31 Mar 15	13,467	1,799	9,512
31 Dec 14	12,577	1,251	9,093
30 Sep 14	10,034	-3,983	8,986
30 Jun 14	9,777	-4,245	8,816
31 Mar 14	9,068	-4,319	7,843
31 Dec 13	8,917	-4,519	7,871

Quality Earnings: IITS.F has high quality earnings.

Growing Profit Margin: IITS.F's current net profit margins (35.7%) are higher than last year (32.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: IITS.F's earnings have grown significantly by 20.2% per year over the past 5 years.

Accelerating Growth: IITS.F's earnings growth over the past year (21.8%) exceeds its 5-year average (20.2% per year).

Earnings vs Industry: IITS.F earnings growth over the past year (21.8%) exceeded the Banks industry -11.8%.

Return on Equity

High ROE: IITS.F's Return on Equity (13.1%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/26 00:25
End of Day Share Price	2024/12/24 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 here.

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 .

Analyst Sources

Intesa Sanpaolo S.p.A. is covered by 52 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
Marta Sánchez Romero	Ahorro Corporación
Luigi Tramontana	Banca Akros S.p.A. (ESN)
Esther Castro Garcia	Banco de Sabadell. S.A.

Intesa Sanpaolo Past Earnings Performance

Past criteria checks 5/6

Key information

Recent past performance updates

Intesa Sanpaolo S.p.A. to Report Q1, 2025 Results on May 06, 2025

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

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

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

Intesa Sanpaolo S.p.A. to Report Nine Months, 2020 Results on Nov 04, 2020

Recent updates

Intesa Sanpaolo S.p.A. to Report Q1, 2025 Results on May 06, 2025

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

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

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

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

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

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

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

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).

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

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

Intesa Sanpaolo Signs a Memorandum of Understanding with Kyriba

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

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)

Intesa Sanpaolo S.p.A. (BIT:ISP) signed binding framework agreement to acquire 60% stake in Euroconsult Rental Division SPA from 2001 Euroconsult Srl and Locatec Sas Di Miscioscia Francesco & C.