Intesa Sanpaolo SpA (ISP) AI Stock Analysis

• Market Cap: €87.64B
• Dividend Yield: 7.09%
• Average Volume (3M): 62.32M
• Price to Earnings (P/E): 9.9
• Beta (1Y): 1.21
• Revenue Growth: 6.32%
• EPS Growth: 17.08%
• Country: IT
• Employees: 91,825
• Sector: Financial
• Sector Strength: 74
• Industry: Banks - Regional
• EPS (TTM): 0.14
• Shares Outstanding: 17,803,670,000
• 10 Day Avg. Volume: 62,679,625
• 30 Day Avg. Volume: 62,324,845
• PEG Ratio: 2.02
• Price to Book (P/B): 0.65
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.40
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €5.57
• Price Target Upside: 12.98% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 10

• Rating: 61 Neutral
• Price Target: ―

Intesa Sanpaolo SpA shows strong financial performance with robust revenue growth and effective cost management. However, significant negative operating cash flows and challenging technical indicators suggest caution. The stock's attractive valuation, with a low P/E ratio and high dividend yield, provides a positive offset. Absence of earnings call and corporate events data limits further analysis.

Intesa Sanpaolo SpA Business Overview & Revenue Model

Company Description

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. It also provides consumer credit and E-money; wealth management and private banking services. The company serves individuals, small and medium-sized businesses, non-profit organizations, corporates and financial institutions, public administration, private clients and high net worth individuals, institutional clientele, and other customers. Intesa Sanpaolo S.p.A. is headquartered in Turin, Italy.

How the Company Makes Money

Intesa Sanpaolo generates revenue primarily through its core banking activities. The company earns money from interest income on loans and advances to customers, which is a key revenue stream. Additionally, it earns fee and commission income from services such as asset management, insurance products, and transaction banking. The bank also benefits from trading activities and investment income, which contribute to its earnings. Strategic partnerships and collaborations with international financial institutions further enhance its revenue potential by expanding its service offerings and customer base. Cost management and operational efficiency strategies also play a significant role in maximizing profitability.

Intesa Sanpaolo SpA Financial Statement Overview

Summary

Intesa Sanpaolo SpA demonstrates strong revenue and profit growth, supported by efficient cost management and a robust equity position. While the company has eliminated its total debt, enhancing financial stability, significant negative operating cash flows pose a challenge. The banking sector's unique revenue structure and absence of EBITDA data limit some aspects of the analysis.

Income Statement

The company showed strong revenue growth with a 11.55% increase from 2023 to 2024. Gross profit margin is stable at 100% due to banking revenue structure. EBIT margin is robust, increasing from 47.98% in 2023 to 55.19% in 2024, indicating efficient cost management and operational strength. However, the absence of EBITDA data limits the analysis.

Balance Sheet

The company maintains a strong equity base with an equity ratio of 7.20% in 2024, reflecting a healthy balance sheet. The debt-to-equity ratio decreased significantly as total debt was reduced to zero, which enhances financial stability. Return on equity improved to 12.89% in 2024, showcasing effective utilization of equity to generate profits.

Cash Flow

The free cash flow declined sharply by 120.45% from 2023 to 2024, indicating challenges in cash generation. The operating cash flow to net income ratio is negative, primarily due to significant negative operating cash flows, which could signal liquidity issues. However, the previous years showed better cash flow positions, suggesting potential for recovery.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
25.83B	23.16B	22.47B	22.40B	19.85B
	Gross Profit
25.83B	23.16B	22.47B	22.40B	19.85B
	EBIT
14.26B	11.11B	6.02B	5.32B	3.34B
	EBITDA
0.00	0.00	7.76B	6.76B	5.92B
	Net Income Common Stockholders
8.67B	7.72B	4.38B	4.18B	2.15B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
99.87B	136.97B	144.20B	147.09B	86.77B
	Total Assets
933.28B	963.57B	975.68B	1.07T	1.00T
	Total Debt
146.57B	93.71B	96.14B	101.21B	107.15B
	Net Debt
-51.38B	43.30B	-27.71B	-45.88B	20.39B
	Total Liabilities
867.96B	899.44B	913.86B	1.00T	936.29B
	Stockholders Equity
67.23B	63.96B	61.66B	63.77B	65.87B
Cash Flow		Free Cash Flow
-41.86B	-18.99B	100.43B	6.91B	-3.61B
	Operating Cash Flow
-40.19B	-17.34B	102.28B	8.80B	-2.17B
	Investing Cash Flow
-1.25B	-588.00M	-538.00M	-2.23B	-357.00M
	Financing Cash Flow
-7.19B	-5.59B	-3.52B	-5.59B	2.68B

Intesa Sanpaolo SpA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.93
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:ISP, the sentiment is Positive. The current price of 4.93 is above the 20-day moving average (MA) of 4.89, above the 50-day MA of 4.60, and above the 200-day MA of 4.07, indicating a bullish trend. The MACD of 0.06 indicates Positive momentum. The RSI at 58.06 is Neutral, neither overbought nor oversold. The STOCH value of 32.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:ISP.

Intesa Sanpaolo SpA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	64 Neutral	$12.87B	9.76	7.85%	78.04%	12.07%	-7.94%
ISP	61 Neutral	€87.64B	9.91	13.56%	7.09%	6.32%	17.08%
UNCFF		$101.56B	10.24	14.91%	5.17%	―	―
0RLA		€15.21B	7.89	13.41%	9.94%	―	―
0MU6		€10.73B	7.70	13.24%	7.78%	―	―
0QVF		€11.81B	18.09	28.46%	3.83%	―	―
0HBF		€15.83B	12.10	11.91%	5.77%	―	―