Stock · ISP.MI · Financial Services
Italy · Large Cap · Revenue 12 mo. €33.4B
Price as of 11/06/2026
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.
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. It also provides industrial loans, leases, and factoring services, as well as digital banking services. The company serves individuals, small and medium-sized businesses, non-profit customers, corporates and financial institutions, public administration, private clients and high net worth individuals, and other customers. Intesa Sanpaolo S.p.A. is headquartered in Turin, Italy.
Original text from the data provider
Summary
54.0 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €61.5B, market value €103.5B (P/B 1.7). At a 9% discount rate, the premium over book value only pays off with a lasting 15.2% return on equity.
Required return on equity per year
15.2%
no perpetual growth
Price to book 1.68×, above its usual range.
Middle half of 20 quarters: 0.69× to 1.25×, median 0.86×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q1 → Q2 2026
1 more unchanged: Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 15.12% | 12.46% | Rank 66 |
| Return on capital (Greenblatt) | 72.19% | 59.04% | Rank 54 |
| EBIT margin | 49.66% | 23.06% | Rank 89 |
| FCF margin | 24.29% | 19.82% | Rank 59 |
| Gross margin | 93.56% | 65.53% | Rank 80 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | −39.49% | 7.39% | Rank 4 |
| Earnings growth, 3 years per year | 34.76% | 15.20% | Rank 80 |
| Earnings growth, 5 years per year | 25.30% | 15.17% | Rank 75 |
| Sustainable growth (ROE × retained earnings) | 6.09% | 1.25% | Rank 92 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 8.98% | 6.47% | Rank 83 |
| FCF yield | 6.36% | 7.16% | Rank 47 |
| EV/saleslower is better | 5.99 | 2.82 | Rank 29 |
| EV/EBITlower is better | 12.06 | 14.24 | Rank 61 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 1.17% | 7.80% | Rank 40 |
| Share price, 6 months | 6.75% | 8.71% | Rank 43 |
| Share price, 3 months | −4.35% | 0.45% | Rank 26 |
| Distance from 52-week high | −10.70% | −10.68% | Rank 50 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 0.30% | 1.23% | Rank 63 |
| Change in share countlower is better | −1.33% | −0.60% | Rank 60 |
| Dividend streak in years | 3 | 5 | Rank 35 |
| Price reaction to results, market-adjusted | 0.90% | 0.00% | Rank 64 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 6.80% | 9.21% | Rank 37 |
| Net debt/EBITDAlower is better | 4.37 | 0.12 | Rank 21 |
| Debt to equitylower is better | 0.90 | 0.90 | Rank 50 |
| Volatility, 1 yearlower is better | 24.53% | 25.95% | Rank 60 |
Ten years in figures
| Year | Revenue, €B | Net income, €B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 21.0 | 3.1 | 6.4% | 15.8B |
| 2017 | 25.9 | 7.3 | 13.0% | 15.8B |
| 2018 | 21.5 | 4.1 | 7.5% | 16.8B |
| 2019 | 22.0 | 4.2 | 7.5% | 17.5B |
| 2020 | 24.4 | 3.3 | 5.0% | 18.2B |
| 2021 | 24.4 | 4.2 | 6.6% | 19.4B |
| 2022 | 25.4 | 4.4 | 7.2% | 19.3B |
| 2023 | 23.2 | 7.7 | 12.1% | 18.4B |
| 2024 | 44.8 | 8.7 | 13.3% | 18.0B |
| 2025 | 27.1 | 9.9 | 15.1% | 17.8B |
4 of 7 StockScorer Score rules met · How the score is built
Intesa Sanpaolo SpA mainly meets criteria in the Profitability category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Intesa Sanpaolo SpA. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
4 of 7 rules met
6 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Intesa Sanpaolo SpA.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 11.1 | 15.2 |
| P/B ratio | 1.7 | 1.8 |
| Return on equity (ROE) | 15.1% | 12.5% |
| Equity ratio | 6.8% | 9.2% |
| Debt-to-equity (D/E) | 0.90 | 0.90 |
| Dividend yield | 6.1% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| ISP.MI | Intesa Sanpaolo SpAthis page | |
| UCG.MI | UniCredit S.p.A. | Low7.3 |
| BMPS.MI | Banca Monte dei Paschi di Siena SpA | locked |
| BPE.MI | BPER Banca SpA | locked |
| MFG | Mizuho Financial Group Inc. | locked |
| ICICIBANK.NS | ICICI Bank Limited | locked |
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