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Intesa Sanpaolo (ISNPY)
OTHER OTC:ISNPY
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Intesa Sanpaolo
(OTC:ISNPY)
76Outperform
Intesa Sanpaolo (ISNPY) vs. S&P 500 (SPY)
Market Cap
$95.96B
Dividend Yield4.54%
Average Volume (3M)9.82K
Price to Earnings (P/E)10.5
Beta (1Y)0.68
Revenue Growth6.58%
EPS Growth17.25%
CountryUS
Employees94,736
SectorFinancial
Sector Strength89
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.95
Shares Outstanding2,967,278,300
10 Day Avg. Volume0
30 Day Avg. Volume9,819
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)0.00
Price to Cash Flow (P/CF)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering1
Intesa Sanpaolo Business Overview & Revenue Model
Company DescriptionIntesa Sanpaolo (ISNPY) is a leading Italian banking group, headquartered in Turin and Milan, with a significant presence in the European financial sector. The bank offers a wide range of financial products and services, including retail banking, corporate banking, wealth management, and investment banking. It serves a diverse clientele, ranging from individuals and small businesses to large corporations and institutional clients. Intesa Sanpaolo's operations are organized into several business units, each focused on delivering specialized financial solutions to meet the varying needs of their customers.
How the Company Makes MoneyIntesa Sanpaolo generates revenue primarily through interest income, which it earns from lending activities to individuals, businesses, and government entities. The bank also earns substantial fees and commissions from services such as asset management, investment banking, insurance products, and payment processing. Wealth management and private banking services contribute to its earnings by managing client assets and providing tailored financial advice. Additionally, Intesa Sanpaolo benefits from its strategic partnerships and investments, which offer synergies and expand its market reach. The bank's extensive network of branches and digital platforms enhances its ability to attract deposits, which in turn supports its lending capabilities and revenue generation.
Intesa Sanpaolo Financial Statement Overview
Summary
Intesa Sanpaolo demonstrates strong financial performance with solid income statement metrics, including an improved gross profit margin and net profit margin. The balance sheet shows financial stability but is highly leveraged, requiring careful management. Cash flow challenges, with declining free cash flow and operational cash flow issues, present potential risks. However, historical resilience in cash flow performance mitigates some concerns.Income Statement
Intesa Sanpaolo has shown robust growth in its income statement metrics. The gross profit margin has improved significantly, with a notable gross profit margin of 108.7% in the latest year. The net profit margin also saw an increase, reflecting strong profitability. Revenue growth rate was 3.07% from 2022 to 2023, indicating steady growth. However, the absence of EBITDA margin due to missing data limits a comprehensive assessment.78
Positive
Balance Sheet
The balance sheet reflects solid financial stability with a manageable debt-to-equity ratio of 1.47. The return on equity improved to 12.08% in 2023, demonstrating efficient capital use. However, the equity ratio is relatively low at 6.64%, indicating high leverage, which could pose potential risks if not managed carefully.70
Positive
Cash Flow
Cash flow metrics present a mixed picture. The free cash flow growth rate is negative, indicating a decline in available cash, which raises concerns. The operating cash flow to net income ratio is also negative, suggesting operational cash flow issues. However, the company has managed substantial operating cash flows in previous years, which might provide some cushion.60
Neutral
| Breakdown | ||||
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 23.16B | 22.47B | 22.40B | 19.85B | 18.93B | Gross Profit |
| 25.17B | 22.47B | 22.40B | 19.85B | 18.93B | EBIT |
| 11.11B | 9.53B | 5.32B | 3.34B | 5.75B | EBITDA |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | Net Income Common Stockholders |
| 7.72B | 4.38B | 4.18B | 2.15B | 4.18B |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 89.27B | 123.84B | 147.09B | 86.77B | 27.79B | Total Assets |
| 963.57B | 975.68B | 1.07T | 1.00T | 816.10B | Total Debt |
| 93.71B | 96.14B | 101.21B | 107.15B | 95.35B | Net Debt |
| -100.69B | -27.71B | -45.88B | 20.39B | 67.56B | Total Liabilities |
| 899.44B | 913.86B | 1.00T | 936.29B | 759.89B | Stockholders Equity |
| 63.96B | 61.66B | 63.77B | 65.87B | 55.97B |
| Cash Flow | Free Cash Flow | |||
| -18.99B | 100.43B | 6.91B | -3.61B | 2.97B | Operating Cash Flow |
| -17.34B | 102.28B | 8.80B | -2.17B | 4.43B | Investing Cash Flow |
| -588.00M | -538.00M | -2.23B | -357.00M | -1.29B | Financing Cash Flow |
| -5.59B | -3.52B | -5.59B | 2.68B | -3.76B |
Intesa Sanpaolo Technical Analysis
Positive
32.82
Price Trends
30.70
Positive
28.32
Positive
26.03
Positive
Market Momentum
0.78
Negative
62.61
Neutral
68.08
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ISNPY, the sentiment is Positive. The current price of 32.82 is above the 20-day moving average (MA) of 31.17, above the 50-day MA of 30.70, and above the 200-day MA of 26.03, indicating a bullish trend. The MACD of 0.78 indicates Negative momentum. The RSI at 62.61 is Neutral, neither overbought nor oversold. The STOCH value of 68.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ISNPY.
Intesa Sanpaolo Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $120.56B | 19.93 | 17.89% | 0.62% | 22.15% | 12.13% | |
76 Outperform | $95.96B | 10.46 | 13.59% | 4.54% | 6.58% | 17.25% | |
76 Outperform | $61.53B | 8.69 | 20.84% | 5.58% | -7.01% | 15.18% | |
76 Outperform | $57.31B | 11.83 | 8.73% | 4.07% | -2.65% | -14.84% | |
73 Outperform | $174.50B | 22.35 | 14.51% | 0.85% | 13.13% | 0.54% | |
65 Neutral | $60.29B | 10.60 | 8.56% | 2.33% | 13.63% | 27.77% | |
64 Neutral | $12.57B | 9.74 | 7.88% | 16985.68% | 12.42% | -5.45% |
* Financial Sector Average
Performance Comparison
ISNPY
Intesa Sanpaolo
32.82
10.78
48.91%
HDB
Hdfc Bank
70.48
15.13
27.34%
IBN
Icici Bank
32.31
5.61
21.01%
ITUB
Itau Unibanco
6.61
1.19
21.96%
LYG
Lloyds Banking
3.89
1.33
51.95%
MFG
Mizuho Financial
5.10
1.15
29.11%
Intesa Sanpaolo Earnings Call Summary
Earnings Call Date:May 06, 2025
(Q1-2025)
| % Change Since: 0.49%|
Next Earnings Date:Jul 30, 2025
Earnings Call Sentiment Positive
The earnings call presented a strong performance with record-breaking net income and robust asset quality, supported by strategic tech investments and capital distributions. However, challenges in net interest income and loan growth due to market volatility and economic conditions were noted. The sentiment leans positive with a cautious outlook on certain financial metrics.Q1-2025 Updates
Positive Updates
Record-Breaking Net Income
Intesa Sanpaolo delivered its best-ever net income exceeding €2.6 billion for Q1 2025, resulting in a 20% annualized return on equity.
Dividend and Capital Distribution
The bank plans to return at least €8.2 billion to shareholders through dividends and buybacks in 2025, with potential additional distributions at year-end.
Strong Asset Quality
NPL ratios are at historical lows, with gross NPL stock decreasing by €200 million year-on-year and Stage 2 loans decreasing by 8%.
Tech Investments and Digital Growth
Tech investments have facilitated efficiency gains and workforce changes, with Isybank reaching 1 million clients.
Commissions and Insurance Income Growth
Commissions grew by 7% year-on-year, with Wealth Management & Protection up 11% and insurance income driven by a strong P&C performance.
Negative Updates
Net Interest Income Decline
Quarter-on-quarter decline in net interest income was noted due to a reduction in Euribor, fewer days in the quarter, and seasonality in NPL.
Loan Growth Challenges
Lack of growth in Italy remains a drag on banks' operating performance, and Intesa Sanpaolo is cautious about mispricing in the market.
Economic and Market Volatility
The Italian economy, while resilient, faces challenges from market volatility, affecting short-term lending and asset management strategies.
Company Guidance
In the first quarter of 2025, Intesa Sanpaolo delivered a record net income of over €2.6 billion, resulting in an annualized return on equity of 20%. The bank confirmed its full-year net income guidance for 2025 to be well above €9 billion. Dividend distributions are expected to be at least €8.2 billion. The bank's common equity Tier 1 ratio improved by 45 basis points to 13.3%, reflecting robust capital generation capabilities. Intesa Sanpaolo's digital bank, Isybank, now serves 1 million clients. Operating costs decreased by 2.7%, excluding impacts from the national labor contract renewal and tech investment depreciation. Asset quality remained strong, with the gross NPL stock decreasing by €200 million year-on-year, and net NPL inflows at historical lows. The cost-income ratio was the best ever at 38%, and the bank achieved nearly 3,000 headcount reductions in Q1. Overall, the bank's profitability and capital position are robust, even amid market volatility.Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.