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Intesa Sanpaolo S.p.A. (ISP.MI)

EUR6.32 0.00 (-0.05%)
IT MIL Financial Services Banks
Address Piazza San Carlo, 156 10121
Turin, TO, IT
CEO Carlo Messina
Website intesasanpaolo.com
IPO 1995-03-24
ISIN IT0000072618

Explore sections of this company profile

Also trades on Deutsche Börse · IES.DE (EUR) Italian Stock Exchange · ISP.MI (EUR) Other OTC · IITSF (USD) Other OTC · ISNPY (USD)
Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR6.32 0.00 (-0.05%)
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Volume Profile
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Liquidity & share structure
Average Volume
58M
Beta
0.84
Float Shares
13.71B
Free Float %
78.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.96% -1.25% +0.97% +2.21% +0.45% -2.25% +17.70% +140.74% +143.77% +164.82% +476.83%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
6.32
DCF (Unlevered) 7.68 +21.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 81% Bullish
Rating 2026-05 Change
Strong Buy 7 0
Buy 10 0
Hold 3 -1
Sell 0 0
Strong Sell 1 0
Quality scores
Altman Z-Score
0.12
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
  • ✗
    Revenue growth Banks: +13.8%
    -39.5% Q1'26: -101.3% (vs Q1'25)
  • ✓
    EPS growth Banks: +25.1%
    +12.5% Q1'26: +6.7% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Banks: +75.8%
    +36.5% Q1'26: +0.0% (vs Q1'25)
  • ✓
    EBIT margin Banks: +27.6%
    +49.7% ★ Q1'26: +0.0% (vs Q1'25)
  • ✗
    ROIC Banks: +1.1%
    +8.0% ★
  • ✓
    Share dilution Banks: +0.1%
    -1.3% ★ Q1'26: -0.3% (vs Q1'25)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Banks: 1.37×
    4.37×
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.85) × ERP
WACC = 64% × Ke + 36% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 7.56 Current price: 6.32
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual 		Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
16 Rev. Ana.
17 EPS Ana. 		Dec 2027
18 Rev. Ana.
17 EPS Ana. 		Dec 2028
17 Rev. Ana.
16 EPS Ana. 		Dec 2029
14 Rev. Ana.
14 EPS Ana.
Revenue
22.38B
est: 17.59B (+27.2%)
20.99B
est: 16.78B (+25.1%)
25.89B
est: 17.08B (+51.5%)
21.47B
est: 17.97B (+19.5%)
22.01B
est: 17.97B (+22.4%)
24.44B
est: 18.41B (+32.7%)
24.38B
est: 20.79B (+17.3%)
25.44B
est: 21.20B (+20.0%)
41.01B
est: 24.30B (+68.8%)
44.81B
est: 27.02B (+65.8%)
27.11B
est: 27.25B (-0.5%)
28.27B
27.94B – 28.60B
+3.8% YoY
29.13B
26.21B – 29.93B
+3.0% YoY
30.06B
29.98B – 30.15B
+3.2% YoY
30.32B
28.61B – 30.92B
+0.9% YoY
EBITDA
4.99B
est: 4.86B (+2.7%)
4.15B
est: 4.63B (-10.5%)
8.70B
est: 4.72B (+84.4%)
6.37B
est: 4.96B (+28.4%)
6.89B
est: 4.96B (+38.8%)
4.59B
est: 5.08B (-9.8%)
6.77B
est: 5.74B (+18.0%)
7.76B
est: 5.85B (+32.6%)
12.40B
est: 8.21B (+51.1%)
13.77B
est: 9.13B (+50.8%)
13.46B
est: 9.20B (+46.3%)
9.55B
9.44B – 9.66B
+3.8% YoY
9.84B
8.86B – 10.11B
+3.0% YoY
10.16B
10.13B – 10.18B
+3.2% YoY
10.24B
9.67B – 10.44B
+0.9% YoY
EBIT
4.08B
est: 3.77B (+8.0%)
3.22B
est: 3.60B (-10.7%)
7.82B
est: 3.67B (+113.3%)
5.39B
est: 3.86B (+39.7%)
5.67B
est: 3.86B (+47.1%)
2.21B
est: 3.95B (-44.1%)
5.18B
est: 4.46B (+16.1%)
6.08B
est: 4.55B (+33.6%)
10.75B
est: 7.19B (+49.5%)
12.06B
est: 7.99B (+50.8%)
13.46B
est: 8.06B (+67.0%)
8.36B
8.27B – 8.46B
+3.8% YoY
8.62B
7.75B – 8.85B
+3.0% YoY
8.89B
8.87B – 8.92B
+3.2% YoY
8.97B
8.46B – 9.15B
+0.9% YoY
Net Income
2.74B
est: 3.50B (-21.8%)
3.11B
est: 2.84B (+9.5%)
7.32B
est: 3.25B (+124.8%)
4.05B
est: 3.82B (+6.1%)
4.18B
est: 4.22B (-0.9%)
3.28B
est: 2.58B (+26.9%)
4.19B
est: 3.80B (+10.1%)
4.38B
est: 3.95B (+10.7%)
7.72B
est: 8.27B (-6.6%)
8.67B
est: 8.35B (+3.7%)
9.86B
est: 9.47B (+4.2%)
9.92B
8.70B – 11.07B
+4.8% YoY
10.51B
8.94B – 12.14B
+5.9% YoY
11.08B
8.99B – 13.31B
+5.5% YoY
12.75B
11.82B – 13.08B
+15.1% YoY
SGA
2.52B
est: 1.91B (+32.0%)
2.65B
est: 1.82B (+45.4%)
2.42B
est: 1.86B (+30.5%)
2.62B
est: 1.95B (+34.3%)
2.72B
est: 1.95B (+39.0%)
3.34B
est: 2.00B (+67.0%)
3.41B
est: 2.26B (+50.7%)
3.17B
est: 2.30B (+37.5%)
3.17B
est: 4.04B (-21.5%)
2.92B
est: 4.49B (-34.9%)
11.50B
est: 4.53B (+154.0%)
4.70B
4.64B – 4.75B
+3.8% YoY
4.84B
4.36B – 4.97B
+3.0% YoY
5.00B
4.98B – 5.01B
+3.2% YoY
5.04B
4.76B – 5.14B
+0.9% YoY
EPS
0.16
est: 0.19 (-17.7%)
0.18
est: 0.16 (+14.1%)
0.44
est: 0.18 (+143.6%)
0.24
est: 0.21 (+13.2%)
0.24
est: 0.23 (+2.5%)
0.18
est: 0.14 (+25.6%)
0.22
est: 0.21 (+4.3%)
0.23
est: 0.22 (+4.8%)
0.42
est: 0.45 (-7.5%)
0.48
est: 0.48 (-0.3%)
0.54
est: 0.53 (+2.8%)
0.57
0.49 – 0.62
+9.3% YoY
0.63
0.50 – 0.68
+9.1% YoY
0.68
0.51 – 0.75
+8.4% YoY
0.72
0.66 – 0.74
+5.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 B- 3/5 1/5 4/5 3/5 2/5 3/5 2/5
2026-05-08 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-05-07 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-05-06 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-05-05 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-05-04 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-04-30 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-04-29 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-04-28 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-04-27 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-04-24 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-04-23 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-04-22 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-04-21 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-04-20 B 3/5 1/5 4/5 4/5 2/5 3/5 2/5
2026-04-17 B- 3/5 1/5 4/5 4/5 1/5 3/5 2/5
2026-04-16 B- 3/5 1/5 4/5 4/5 1/5 3/5 2/5
2026-04-15 B 3/5 1/5 4/5 5/5 1/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-1.49B
OE per share TTM
-0.08
Owner's Yield
-1.43%
Maintenance CapEx ratio
23.03%
Maint CapEx / Avg PPE
33.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 389 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 iShares FTSE MIB UCITS ETF EUR (Acc) CMB1.L 12.73% 60.63M 0.33%
2 iShares FTSE MIB UCITS ETF EUR (Dist) IMIB.L 12.72% 25.10M 0.35%
3 iShares MSCI Italy ETF EWI 12.70% 114.77M 0.50%
4 Amundi FTSE MIB UCITS ETF Dist MIBX.L 12.53% 112.80M 0.35%
5 Xtrackers FTSE MIB UCITS ETF 1D DBXI.DE 12.33% 13.42M 0.30%
6 Amundi Italy MIB ESG UCITS ETF Acc FMI.PA 10.22% 22.01M 0.18%
7 Invesco EURO STOXX Optimised Banks UCITS ETF S7XP.L 8.69% 17.16M 0.30%
8 iShares EURO STOXX Banks 30-15 UCITS ETF (DE) EXX1.DE 7.74% 213.37M 0.51%
9 iShares EURO STOXX Banks 30-15 UCITS ETF (DE) EXA1.AS 7.74% 18.67M 0.51%
10 Amundi Euro Stoxx Banks UCITS ETF Acc BNKE.L 7.70% 524.88M 0.30%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
142.6K
Shares Outstanding
17.39B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Carlo Messina MD, Chief Executive Officer, GM & Executive Director 6M male
Fabrizio Dabbene Head of Administration & Tax Department and Manager — —
Flavio Gianetti Chief Equity, Legal and M&A Officer — male
Francesca Nieddu Chief Compliance Officer — female
Luca Bocca Chief Financial Officer — male
Massimo Proverbio Chief Data, A.I & Technology Officer — male
Nicola Maria Fioravanti Chief Governance, Operating & Transformation Officer — —
Roberto Cascella Chief People & Culture Officer — —
Andrea Tamagnini Head of Investor Relations — male
Stefano Lucchini Chief Institutional Affairs & External Communication Officer — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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