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Intesa Sanpaolo (ISNPY) Stock Price & Analysis
ISNPY Stock Chart & Stats
- Day’s Range
- $39.44 - $39.44
- 52-Week Range
- $34.40 - $48.06
- Previous Close
- $39.94
- Volume
- 149.56K
- Average Volume (3M)
- 5,965
- Market Cap
- $114.21B
- Enterprise Value
- $271.08B
- Total Cash (Recent Filing)
- $37.16B
- Total Debt (Recent Filing)
- $62.03B
- Price to Earnings (P/E)
- 10.5
- Beta
- 0.82
- Next Earnings
- Jan 29, 2027 (Est.)
- EPS Estimate
- 0.82
- Last Dividend Ex-Date
- May 19, 2026
- Dividend Yield
- 6.62%
Bulls Say, Bears Say
Bulls Say
Stronger Profitability
Improved net income, revenue growth and margins indicate stronger earnings power entering the next several quarters. Higher profitability can support capital generation, shareholder distributions and continued investment while giving the bank more capacity to absorb operating or credit-cycle pressure.
Upgraded Earnings Outlook
The upgraded outlook signals that management sees continued support from net interest income, positive loan growth and improving commercial momentum. A higher earnings base would strengthen internal capital generation and provide a durable foundation for performance over the coming quarters.
Asset Quality And Capital Strength
Very low credit losses, strong loan-loss coverage and robust capital reduce the likelihood that asset-quality deterioration will materially disrupt earnings. This balance-sheet resilience supports lending capacity and gives Intesa greater flexibility through changing economic conditions.
Bears Say
Volatile Cash Generation
Large swings in operating and free cash flow make internally funded growth and capital planning less predictable than the income statement alone suggests. Although 2025 improved, the recent pattern leaves earnings conversion and recurring funding quality exposed to future balance-sheet movements.
MPS Execution And Regulatory Risk
The proposed transaction could expand customers and synergies, but its benefits depend on approvals, shareholder support and successful execution. Delays, changed assumptions or integration challenges could weaken the expected strategic contribution and complicate capital and management priorities.
Revenue And Charge Volatility
Dependence on variable trading income and changing provisions makes near-term revenue and earnings mix less stable. If trading normalizes while charges remain elevated, reported growth could slow and obscure the underlying performance of recurring banking and fee-based activities.
Intesa Sanpaolo News
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Intesa Sanpaolo Stock Smart Score
Company Description
Intesa Sanpaolo
Intesa Sanpaolo SpA engages in the provision of financial products and banking services. It operates through the following segments: Banca dei Territori, IMI Corporate and Investment Banking, International Subsidiary Banks, Private Banking, Asset Management, and Insurance. The Banca dei Territori segment oversees the traditional lending and deposit collection activities in Italy. The IMI Corporate and Investment Banking segment deals with corporate and investment banking; and acts as a partner for corporates, public administration, and financial institutions. The International Subsidiary Banks segment operates on international markets through subsidiary and associated banks. The Private Banking segment specializes in the asset management of private and high net worth individuals. The Asset Management segment develops solutions targeted at the firm's customers, commercial networks, and institutional clientele. The Insurance segment includes Intesa Sanpaolo Vita, Fideuram Vita, Intesa Sanpaolo Assicura, and Intesa Sanpaolo Assicura. The company was founded in 1931 and is headquartered in Turin, Italy.
- Sector
- Financial
- Industry
- Banks
- CEO
- Carlo Messina
- Employees
- 100,356
- Website
- www.intesasanpaolo.com
- Address
- Piazza San Carlo, 156, Turin, TO, 10121, IT
Intesa Sanpaolo (ISNPY) Earnings & Revenues
ISNPY Company Deck
ISNPY Earnings Call
Earnings Call SentimentPositive
The call conveyed broadly positive operating and financial momentum: record H1 and Q2 profitability, strong commercial trends (loans, deposits, customer assets), improved margins and an upgraded 2026 net income target. Cost efficiency, top-tier asset quality and robust capital/liquidity metrics support a constructive outlook. Key risks are concentrated on H2 revenue mix volatility (seasonal fees and variable trading income), higher provisions/other charges, and execution/regulatory uncertainty tied to the Monte dei Paschi transaction (including governance frictions and capital assumptions). Overall, the positives — clear revenue and profitability improvement, upgraded guidance, and strong asset quality — outweigh the noted headwinds.
View all ISNPY earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 2 | 5 | 15 |
| Technical Analysis | 2 | 5 | 3 |
| Moving Averages | 0 | 0 | 12 |








